Techniques to borrow with us

Our guide about what to think about

There are numerous reasons you might have to borrow – and lots of approaches to do so. Have a look at the choices available and view if you could be helped by them.

There are numerous methods to borrow funds and that you choose eventually relies on what you would like to attain. This guide will allow you to result in the choice that is right. To get started, think

  • Just exactly What do i want the amount of money for?
  • Simply how much do i want to borrow?
  • Whenever do it is needed by me?
  • exactly How will it is paid by me straight back?

Here’s a synopsis associated with primary options you could think about.

All financing is at the mercy of application, economic circumstances and history that is borrowing. Conditions and terms apply to any or all. The quantity we’ll provide you might be dissimilar to the quantities we’ve shown below. You need to be 18 or higher and resident in the united kingdom to utilize for lending with us.

Borrowing options

Ideal for

Large, one-off acquisitions, like purchasing a car or truck, consolidating debts, or home improvements.

You could utilize a bank card for pretty anything that is much including

  • Transfers of balance
  • Cash transfers
  • Everyday investing
  • Big acquisitions like vacations and house improvements

Some cards also have certain features, like

  • Cashback
  • Receiving rewards
  • Big costs, like house improvements, or debt consolidation reduction
  • You could be in a position to borrow over a longer time than by having a personal bank loan
  • Assistance with short-term borrowing requirements for such things as unexpected bills or expenses that are everyday.
  • See basic details about overdrafts


You won’t have the ability to utilize financing for company purposes, opportunities (including buying shares and stocks), timeshares, buying home, gambling-related costs, repaying best payday loan Raymondville county court judgments, or perhaps a purchase produced by combining this loan with other people.

You won’t manage to utilize it for company purposes, gaming-related deals, like gambling, gambling and purchasing lottery seats, any unlawful purposes, or specific forms of deals which we’ll inform you of every so often.

You won’t manage to utilize it for company purposes, opportunities (including buying shares and stocks), timeshares, gambling or repaying gambling financial obligation, repaying county court judgements, self-build properties, or even to make your month-to-month home loan repayments.

There are many more restrictions on buy-to-let and commercial mortgages – speak with home financing adviser when you yourself have such a thing except that a mortgage that is residential.

You can’t use an overdraft that is arranged assets, like shares and stocks.

Amount you might borrow

  • ВЈ50 to ВЈ15,000 (we’ll give you a limit that is affordable to you personally)
  • You more information about how to get the most from your offer if you apply for a Barclaycard, we’ll show. The approval of the application additionally the terms we possibly may offer be determined by your economic circumstances and borrowing history. The attention prices we provide you might change from those shown on examples
  • In the event that you make repayments on time, don’t miss any payments and don’t get over your credit limitation, we might enhance your limitation later on
  • ВЈ5,000 to ВЈ2 million
  • Wake up to 85per cent of one’s home’s value, or 80% if you’re consolidating debts

ВЈ100 to ВЈ5,000, with respect to the form of account you have got.


  • With us, check if you’re pre-selected to apply in the app or Online Banking if you have a current account
  • Observe how much you are in a position to borrow as well as your individual interest price

Make use of our eligibility checker to see before you apply if you’re likely to be accepted.

  • You’ll need certainly to have mortgage with us
  • You’ll need certainly to submit an application for the borrowing and we’ll assess the application according to your monetary circumstances and borrowing history
  • When you yourself have a buy-to-let home loan, you’ll need certainly to get it for no less than half a year just before can use (there’s no minimum delay for domestic mortgages)
  • You need to be 21 or higher to apply for just about any lending that is buy-to-let-related
  • You’ll need an account that is current us
  • Make use of our eligibility checker to see if you’re probably be accepted before you apply