Our credits

What is a personal loan?
A personal loan could be a simple way to borrow, with a fixed interest rate that’s personal to you.
-How do personal loans work?
We’ll tell you what your loan rate is before you apply – this won’t affect your credit score. Then you can apply with our service to start your loan process.

If we approve your application, we’ll pay the money into your account straight away. You’ll pay your loan back over your agreed term (or earlier, if you want to pay extra or repay sooner), until it’s all cleared.
All loans are subject to your financial circumstances and borrowing history at the time you apply.

Unlock your dream home Applying for a mortgage loan
Whether you want to buy a first or new home, remortgage your current property, borrow more or buy to let – we’re here to help. You’ll find guides to the types of mortgages we offer and tips on applying for a mortgage. You can also find out if you’re eligible under the mortgage guarantee scheme to
• Use our calculators to help work out your monthly payments for the amount you need
• Start an Agreement in Principle (AiP) online to find out quickly if you could borrow the amount you need – without affecting your credit score.
• Subject to application, financial circumstances and borrowing history. Terms and conditions apply 
  Your home may be repossessed if you do not keep up repayments on your mortgage.

Secure a better deal with a loan.
Get the wheels in motion with a car loan from us and your next purchase could be just around the corner.
What is a car loan?
A car loan is a way to borrow some or all of the money you need to buy a car.
How do car loans work?
1 Apply online with us for more informations
2 We’ll let you know if we can lend you the money
3 If we approve your application, we’ll pay the money into your account straight aways
You can see what your monthly repayments would be using our calculator.

Spruce up your property
Whether you’d like a new kitchen or want to give your lounge a new lease of life, you could get more from your home.
What is a home improvement loan?
A home improvement loan could help you make improvements to your home, so you could increase the value of your property.
How do home improvement loans work?
1 Apply online with us for more informations
2 We’ll let you know if we can lend you the money 
3 If we approve your application, we usually pay the money into your account straight away.
You can see what your rough monthly repayments could be using our calculator

You know your business. We know how to help.
We could help you expand, invest in equipment or borrow working capital with secured and unsecured business loans.
  Our business loans can help you
* Grow your business 
* Improve your cashflow
* Fund equipment, tools and important purchases
* Take control in uncertain times
A business loan is a straightforward way to finance your business – you can use it for a variety of reasons. You might need extra money to take advantage of an exciting expansion opportunity, provide cashflow flexibility or invest in new equipment. We’re here to support your business at every crucial stage.
As you lent with us and we get to know your business better, we’ll give you a provisional lending limit and update it daily. We’ll tell you what your loan rate is before you apply – this won’t affect your credit score. Then you can apply with our service now and get approval very faster..

How to pay for your holiday
A holiday loan is when you take out a personal loan to cover the cost of your next break, so you don’t have to worry about paying for your trip all at once.
Wondering how to pay for your holiday? You could take out a personal loan to cover your next break

Benefits

Manage the cost of your trip
Worried about paying for your entire holiday upfront? You could spread the cost of your trip over a set period of time, to make paying it back more manageable.
Your payments and term won’t change We’ll give you a fixed payment and term, so you’ll always pay the same amount and know when your loan will end.

-Feel optimistic about your financial future
What is a debt consolidation loan?
A debt consolidation loan lets you to move your debts with other lenders to us, so you can have one, simple monthly repayment. It’s an easy way to keep on top of what you owe.
How do debt consolidation loans work?

1- Apply in Online with our service for more informations
2- We’ll let you know our decision
3- If we approve your application, we’ll pay the money into your account straight away.

- You can see what your monthly repayments would be using our calculator.

Take control of your debt with a our Loan Service
Having just one loan could be more straightforward and easier to manage than a number of payments to different lenders.
But it’s worth noting that consolidating debts might involve payment of a higher rate of interest or charges – or both. Consolidating debts might also increase the overall period required for repayment. Take control of your borrowing by getting all your debts in one place with a loan service. Subject to application, financial circumstances and borrowing history.

Why debt isn’t all bad – and how to manage it
Student loans – we bust some myths about borrowing, take a look at different types of debt and explain how you can avoid debt problems. Baffled by borrowing? Read our guide to debt – the good, the bad and the ugly – and get tips for staying on top of it
-General information about overdrafts
An overdraft limit is a borrowing facility which allows you to borrow money through your current account. There are two types of overdraft - arranged and unarranged.
An arranged overdraft is a pre-agreed limit, which lets you spend more money than you have in your current account. It can be a safety net to cover short-term outgoings, like an unexpected bill. It is not suitable for longer-term borrowing. We charge you for every day of the month that you use your arranged overdraft where you go beyond any interest free limit you may have.
An unarranged overdraft is when you spend more money than you have in your current account and you have not agreed an arranged overdraft limit with us in advance or you have exceeded an existing arranged borrowing facility. You can only make payments from your account if you have enough money in your account or through an arranged overdraft to cover them. Barclays will always attempt to return any transaction that could take your account into an unarranged overdraft position. Having enough money in your current account or having an arranged overdraft limit could help prevent payments such as priority bills from being returned unpaid.