Barclays Personal Loan
Barclays offers fixed-rate personal loans from £1,000 to £50,000, with decisions typically made in minutes for existing customers. Rates range from 6.1% to 21.9% APR.
Last checked on June 9, 2026. We may earn a commission when you click through.
Barclays provides personal loans with swift online applications and especially for existing customers.
Barclays Personal Loan
Updated 9 hours 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 provides personal loans with swift online applications and especially for existing customers.
Best For
This loan is ideal for existing Barclays customers seeking quick access to funds with competitive interest rates.
Watch Out
The maximum APR of 21.9% can make this option expensive for those with lower credit scores.
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About this loan
One of the UK's largest high-street lenders offering competitive fixed-rate personal loans. Apply online or in-branch with decisions typically within minutes for existing customers.
What Customers Say
Customers generally appreciate the quick approval process and ease of application, though some express concerns over high interest rates.
Expert Analysis
Barclays personal loans feature a wide range of borrowing options, from £1,000 to £50,000, with terms spanning from 12 to 60 months. Existing customers benefit from quicker decisions, often within minutes, convenient choice.
However, note that the APR ranges from 6.1% to 21.9%. This means that those with lower credit scores may face higher rates, which could lead to significant interest costs over time. For example, a £10,000 loan at 21.9% APR would result in over £3,000 in interest paid over five years.
The application process is with options to apply online or in-branch, and a loans calculator available on their site for personalised quotes without affecting your credit score. Customer service quality is generally rated well, but it's worth checking current reviews for the latest feedback.
In practical terms, those who already hold a Barclays current account will find the best rates available, while others may want to explore alternatives for potentially lower rates. Overall, this option works best for those with a good credit history looking for quick access to funds.
Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.
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