Loan calculator | Loan repayments calculator | Barclays (2023)

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Loan calculator | Loan repayments calculator | Barclays (1)

Optimise your borrowing

Calculate my rate

Our loan calculator gives you a realistic idea of how much you could borrow and what your repayments and interest rates could be.

Subject to application, financial circumstances and borrowing history.

Try our loan repayment calculator

Work out how much you'd like to borrow with our loan repayment calculator. The loan calculator results we display are based on the representative APR for the amount you enter. Your actual rates and repayments might differ and will be based on your personal circumstances, the loan amount and term.




Term in Months



The same every month

Loan required

Based on the details you entered

Representative example

APR Representative
based on a loan of
repayable over months
at an interest rate of
per annum (fixed) pa (fixed).
Monthly repayment of .
Total amount payable .

Representative APR applies to loans of


See your rate

We’re different to most other lenders – in many cases we’ll give you a personalised price quote up front. You’ll see the rate you’ll actually get, and the quote won’t affect your credit score.

Money straightaway

You could get your money straightaway, as long as you

  • Apply online or in your app and your application is approved
  • Sign your agreement online or in your app between 7am and 10.30pm

Fixed monthly repayments

Your repayments will be fixed, and you can choose your payment date, to help you budget.

  • Top-up option

    Already have a Barclayloan and need more funds? You can apply to increase your borrowing with us.

    If you just want to take out a second loan instead of topping up, that could be an option too.

    Repaying your loan early

    You can repay your loan early, in part or in full, whenever you like. If you repay it in full, you’ll pay the outstanding balance, as well as any other interest that’s due.

  • You may be eligible to top up your Barclayloan online if you

    Have a Barclays current or savings account, or mortgage

    Are a UK resident

    Are aged 18 or above

    You can use your loan for almost anything, apart from

    • Business reasons
    • Investments, including buying stocks and shares
    • Timeshares
    • Purchasing property (home improvements are fine)
    • Gambling-related expenses
    • Repaying CCJs (County Court Judgments)
    • A purchase made by combining this loan with any others
  • If you’ve already started a loan application and have saved your progress, it’s easy to pick up where you left off.

    Log in to Online Banking here, and we’ll take you straight to your saved application.

    Log in to Online Banking

  • As a lender, we have a responsibility to act fairly and as part of this we have committed to follow the Standards of Lending Practice. This note sets out some of our key responsibilities and what we ask of you, to ensure that the relationship works well for both of us.

    • We will lend responsibly and aim to provide a product that is affordable for you
    • We will provide you with information about our products and services and how they work, in a clear and understandable way, so that you can decide what’s best for you and your needs
    • We will endeavour to make sure our products and services offer, wherever possible, the flexibility to meet your needs
    • We will treat you fairly and reasonably at all times and make sure that you are provided with a high level of service
    • If you tell us about any inaccuracies, for example around the personal information we hold about you, we will act quickly to put it right
    • We will always aim to help you if we see, or you tell us, that you are having trouble financially. We will seek to understand your overall circumstances, try and identify options that you can afford and where appropriate, provide a reference to free debt advice

    What we ask of you

    • We ask you to think carefully about whether you can afford to repay the money you want to borrow and to be open in your dealings with us
    • Take care of any cards, PINs, online log-in details and other security information to help prevent fraud and help us to protect your accounts
    • Tell us as soon as possible if your card has been lost or stolen, or if you know or suspect someone is misusing your confidential information e.g. your PIN or online log-in details
    • Carefully check your account statements to make sure they are accurate. If anything isn’t right, please get in touch with us

    Please let us know if

    • Your contact details change, so we can keep our records up to date
    • Your circumstances change, particularly if what’s happened is likely to cause you difficulties in managing your account or financial problems
    • You think that you won’t be able to keep up with your repayments. The sooner you do this, the more likely it is we’ll be able to find a way to help you

    We would also encourage you to refer to the terms and conditions associated with your current account, credit card or personal loan.

How to apply

If you have a current account with us, we could tell you your personal loan rate up front – and it won’t impact your credit score. Just make sure you read everything on this page before you apply.

You may be eligible

You can see if you’ve been pre-selected to apply for a loan – this means you can see how much you may be able to borrow, and your personal rate, in a few minutes*. All you need is

A current account with us

Online Banking or the Barclays app

Check now

* You need to be registered for Online Banking or the Barclays app. Not everyone is pre-selected – if you aren’t, you won’t be able to apply online or in the app. Please get in touch to discuss your options.

Borrowing and money management

We have a range of loans and guides to help you manage your money.

Subject to application, financial circumstances and borrowing history.

  • Borrowing to suit you Borrowing
  • Helpful guides Helpful guides
  • Borrowing to suit you
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    Consolidate your debt

    Feel optimistic about your financial future

    Take control of your borrowing by getting all your debts in one place with a Barclayloan.

    Subject to application, financial circumstances and borrowing history.

    Personal loan for debt

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    Home improvement loan

    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.

    Subject to application, financial circumstances and borrowing history.

    A loan for your home

    Loan calculator | Loan repayments calculator | Barclays (4)

    Personal loan

    Want to know your loan rate?

    If you have a current account or Barclaycard with us, you can check to see if you have a provisional loan limit before you apply – without affecting your credit rating1.

    Subject to application, financial circumstances and borrowing history.

    Personal loans

  • Helpful guides
    Loan calculator | Loan repayments calculator | Barclays (5)

    What is a credit rating?

    Discover how to improve yours

    Learn why your credit rating is important, and how to improve it so you’re more likely to be considered for credit in future.

    About credit ratings

    Loan calculator | Loan repayments calculator | Barclays (6)

    Managing money problems

    Worried about your finances? Our practical advice can help you tackle money troubles, improve your financial habits and find the support you need.

    Managing money problems

    Loan calculator | Loan repayments calculator | Barclays (7)

    Know your loans

    Learn about secured and unsecured loans

    This guide to borrowing covers some of the key factors you should consider when choosing the best loan for your needs.

    Learn about loans

Talk to us about loans

Loan calculator | Loan repayments calculator | Barclays (8)

Visit us in branch

We’re on hand if you’d like to discuss your options in person. You can find your nearest branch and opening times here.

Branch finder

Loan calculator | Loan repayments calculator | Barclays (9)

Over the phone

If you have any questions, you can speak to a lending specialist on 0345 734 53452

Loan calculator | Loan repayments calculator | Barclays (10)

Call us by video

Open this page on your mobile or tablet to video call us. Or you can video call us from your app.

Explore video banking

Important information

  1. You need to be registered for Online Banking or the Barclays app. It usually takes less than 10 minutes to apply, but if you’re not registered it will take longer.

    You might not be able to apply for a Barclayloan, or see your personalised price quote or provisional loan limit online or in your app, because certain restrictions apply. If this happens to you, please contact us to discuss your options.Return to reference

  2. Lines are open Monday to Saturday, from 8am to 9pm, and bank holidays from 8am to 6pm. To maintain a quality service, we may monitor or record phone calls.Call charges.Return to reference

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