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Barclaycard Loan

Compare Barclays Loans

Barclays offers a range of personal loans to suit various borrowing needs. If you are looking for an unsecured personal loan and have a Barclays current account, then a Barclays Bank Barclayloan could be the solution. Use the table below to compare personal loans in an instant:

ProviderLoan AmountCredit HistoryRates FromTerm 
£1,000 to £20,000Good Credit Only2.8%

APR
Representative

(£7,500-£20,000)

1 to 5 YearsGet Quotes >
  • PERSONAL LOAN DEAL (unsecured)
  • One fixed monthly repayment: Know what you’re paying and when you’re paying it
  • Instant Online Decision
  • Must be aged 21
  • No CCJs or IVA in the last 6 years
  • Must have an annual income of over £6,000
  • Permanently resident in England, Wales, Scotland or Northern Ireland
  • Provided by Santander UK Plc

Representative Example: The Representative APR is 2.8%. Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 2.8% p.a. (fixed). Monthly repayment £178.64 & total repayable £10,718.40.

£1,000 to £20,000Good Credit Only3.00%

APR
Representative

(£7,500-£15,000)

1 to 5 yearsGet Quotes >
  • Fixed Interest Loan Rate
  • Instant Online Decision
  • Maximum loan amount of £25,000 for existing Santander customers
  • Must be aged 21
  • No CCJs or IVA in the last 6 years
  • Permanently resident in England, Wales, Scotland or Northern Ireland

Representative Example: The Representative APR is 3.0%. Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 3.0% p.a. (fixed). Monthly repayment £179.51 & total repayable £10,770.60.

£1,000 to £25,000Good Credit Only3.1%

APR
Representative

(£15,001 - £25,000)

1 year to 7 yearsGet Quotes >
  • No arrangement fees or hidden charges
  • Instant online decision
  • Funds transferred within 2 working days
  • No penalty for overpayments
  • You must be aged between 21 and 70 
  • You must have been a permanent UK resident for 3 years 
  • You must have an annual income of at least £12,000 and have a UK bank or building society account
  • You need to make payments on time or you will be charged a late payment fee. Missing payments could have severe consequences on obtaining future credit
  • Post Office Personal Loans are provided by Bank of Ireland (UK). Post Office Limited is a credit broker and not a lender

Representative Example:  The Representative APR is 3.1%. Based on a loan amount of £17,500 over 60 months at an interest rate of 3.1% p.a. (fixed). Monthly repayment of £314.89. Total amount repayable £18,893.40.

£2,500 to £25,000Good Credit Only3.3%

APR
Representative

(£5,000-£25,000)

2 to 5 yearsGet Quotes >
  • 10 minute online quote, instant decision
  • Money can be with you within 48 hours
  • No arrangement, over payment or early repayment fees
  • Must be aged 21 or over
  • UK Resident with a UK bank account

Representative Example:  The Representative APR is 3.3%, so if you borrow £7,500 over 5 years at a rate of 3.3% p.a. (fixed), you will repay £135.61 for 36 months and £8,136.60 in total.

£1,000 to £50,000Excellent Credit3.40%

APR
Representative

(£7,500-£19,950)

1 to 5 YearsGet Quotes >
  • Get a quick quote - no impact on your credit rating
  • Available to existing NatWest current account holders only
  • Must be aged 18

Representative Example: Borrow £7,500 over 5 years at a Representative APR of 3.40% APR (fixed) paying £135.93 per month will result in a total sum of £8,155.80 over the loan term.

£1,000 to £50,000Excellent Credit3.40%

APR
Representative

(£7,500-£19,950)

1 to 5 YearsGet Quotes >
  • Get a quick quote - no impact on your credit rating
  • Available to existing Royal Bank of Scotland current account holders only
  • Must be aged 18

Representative Example: Borrow £7,500 over 5 years at a Representative APR of 3.40% APR (fixed) paying £135.93 per month will result in a total sum of £8,155.80 over the loan term.

£7,500 - £14,999Good Credit Only4.2%

APR
Representative

(£7,500-£14,999).

1 to 5 YearsGet Quotes >
  • Fixed Interest Loan Rate
  • No set up charges or hidden fees
  • Instant Online Decision
  • Loan rate of 3% available for existing current account customers
  • Must earn at least £700 pm (can be combined income)
  • Must be aged between 18 and 79
  • If self employed must be homeowner and supply 1 years audited accounts

Representative Example: The Representative APR is 4.2%. Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 4.2% p.a. (fixed). Monthly repayment £184.71. Total amount payable £11,082.60.

£1,000 to £35,000All Credit Histories Considered12.9%

APR
Representative

1 year to 7 yearsGet Quotes >
  • No waiting, no surprises, and a guaranteed, personal rate
  • Soft credit search so there will be no impact on you credit score
  • Some banks advertise very attractive low rates, but when you apply you find you could end up paying much more. With a guaranteed rate, there’ll be no nasty surprises.
  • You must be aged between 21 and 75
  • You must have been a permanent UK resident for 3 years 
  • You must have an annual income of at least £15,000 and have a UK bank or building society account

Representative Example:  The Representative APR is 12.9%. Based on a loan amount of £10,000 over 60 months at an interest rate of 12.9% p.a. (fixed). Monthly repayment of £223.43. Total amount repayable £13,405.80.

£1,000 to £25,000All Credit Histories Considered14.9%

APR
Representative

1 to 5 YearsGet Quotes >

Representative example: The Representative APR is 14.9% (variable).The Representative APR is If you borrow £90,000 over 4 years at a representative 14.9% APR and an annual interest rate of 14.9% (fixed) you would pay £245.80 per month. Total charge for credit will be £2,798.51. Total amount repayable is £11,789.51.

£1,000 to £20,000All Credit Histories Considered42.5%

APR
Representative

1 to 6 YearsGet Quotes >
  • Rebuild Your Credit
  • Fast,online application - optimised for all desktop / mobile / tablet devices
  • Instant Online Decision using 'soft' credit searches (Won't affect your credit score)
  • Funds as soon as same day
  • No early repayment fees
  • Must be aged 18
  • Must be UK resident
  • Administration fee applies, not payable upfront but instead included in monthly repayments
  • Applicants must have a net monthly income of at least £1,000, be in full time or part time employment, and have no CCJ's

Representative Example:  The Representative APR is 42.5% (fixed). If you borrow £3,000 over 3 years at a rate of 31.9% p.a (fixed) plus an arrangement fee of £137.31, you will repay £157.89 per month & £4,943.25 in total.


With a Barclaycard loan, you could benefit from a price guarantee – if you find a loan on the same terms with lower monthly repayments, Barclays will match it and give you £50.*

With a Barclaycard loan you can:

  • Borrow between £1,000 and £35,000  
  • Borrow over a term of 24 to 60 months
  • Borrow at the same rates regardless of whether you’re planning on using the loan for a car, home improvements, or something else entirely
  • Manage your budget easily with fixed monthly loan repayments
  • Get an instant online indication of the loan limit you might be offered, without affecting your credit rating, using Barclays Online Banking

 

In order to be eligible to apply for a Barclayloan personal loan, you must:

  • Have held a Barclays current account for at least seven months
  • Have paid at least £1,000 into the account each month
  • Have a good credit history

 

 

The interest rate you are offered will be based on your personal circumstances, on the amount you wish to borrow, and on the period of time you wish to borrow for. Interest is calculated daily on the outstanding loan balance.

 

Repaying your Barclaycard loan early

You can repay your loan early in full or in part at any time, although you will be charges any interest that is due plus a fee equal to 30 days’ interest.

 

Loan Calculator

If you’re wondering what your repayments of a Barclays personal loan would be you can use the Barclays loan calculator to get an idea, you just need to enter the desired loan amount and repayment length and the calculator will give you an estimate of what your repayments might be. The Barclays loan calculator can only give you an idea however, this is because if you go ahead and apply for a Barclays loan and you are accepted the actual annual percentage rate offered will be tailored to your specific financial circumstances, once the bank have assed your credit score and other factors such as how much you earn and if you already have and credit commitments.

 

Before you take out a loan

If you are thinking of taking on a loan of any type you need to consider that loans are long term commitments usually taking years to fully pay off. You therefore want to ensure you are getting the best loan you can to suit your specific needs. The comparison tables above will allow you to compare loans from many different lenders to help you see if you can find the right choice for your needs.

 

*terms and conditions apply

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.