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Barclays Personal Loan
Barclays offers a competitive personal loan with a range of borrowing options, making it a solid choice for many borrowers.
Barclays Personal Loan
Updated 6 minutes ago| APR | Amount | Term |
|---|---|---|
| 6.1–21.9% | £1,000–£50,000 | 12–60 mo |
Requirements
UK resident
18+
Regular income
Decision
MinutesOur Verdict
Barclays offers a competitive personal loan with a range of borrowing options, making it a solid choice for many borrowers.
✅ Best For
This loan is best for existing Barclays customers who can access lower rates and require a flexible borrowing amount between £1,000 and £50,000.
⚠️ Watch Out
Potential borrowers should be aware of high APRs reaching 21.9%, especially for those with lower credit ratings.
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About this loan
Expert Analysis
Barclays Personal Loan stands out as one of the UK's leading options for those seeking fixed-rate personal loans, with the ability to apply both online and in-branch. The loan amounts range from £1,000 to £50,000, with terms available from 12 to 60 months, catering to a wide range of financial needs. One of the key advantages of choosing Barclays is the fast approval process, typically completed within minutes for existing customers, which offers peace of mind when funds are needed urgently.
However, it is important to note that the APR varies significantly, starting at 6.1% and reaching as high as 21.9%. This means that borrowers with less favourable credit scores may face higher interest rates, so prospective applicants should assess their credit standing before applying. Additionally, having a Barclays current account can yield better rates, which may incentivise customers to consolidate their banking with the provider. While Barclays provides a reliable loan option, potential borrowers should compare with other lenders to ensure they secure the most favourable terms available, especially considering the competitive landscape of personal loans in the UK.
Similar options
APR
5.9–34.9%
Amount
£1k–£35k
Term
12–60mo
M&S Bank Personal Loan
personalUK resident
18+
M&S Rewards card for bonus points
APR
6.0–19.9%
Amount
£1k–£25k
Term
12–60mo
APR
9.9–69.9%
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APR
7.9–45.9%
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£1k–£25k
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APR
5.9–24.9%
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Starling Bank Personal Loan
personalStarling current account
18+
UK resident
APR
8.9–24.9%
Amount
£500–£5k
Term
3–36mo
Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.
Similar options
APR
5.9–34.9%
Amount
£1k–£35k
Term
12–60mo
M&S Bank Personal Loan
personalUK resident
18+
M&S Rewards card for bonus points
APR
6.0–19.9%
Amount
£1k–£25k
Term
12–60mo
APR
9.9–69.9%
Amount
£1k–£8k
Term
12–60mo
APR
7.9–45.9%
Amount
£1k–£25k
Term
12–60mo
APR
5.9–24.9%
Amount
£1k–£25k
Term
12–60mo
Starling Bank Personal Loan
personalStarling current account
18+
UK resident
APR
8.9–24.9%
Amount
£500–£5k
Term
3–36mo
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