How to borrow with us

How to borrow with us

Our guide about what to take into account

There are numerous reasons you may have to borrow – and lots of techniques to do so. Have a look at your options available to discover if they might assist you to.

There are lots of methods to borrow cash and that you choose fundamentally is determined by what you would like to quickly attain. This guide shall help you result in the right choice. To get started, think

  • Just just What do the money is needed by me for?
  • Exactly how much do i want to borrow?
  • Whenever do i would like it?
  • exactly just How will we spend it straight straight straight back?

Here’s a synopsis associated with the options that are main could start thinking about.

All financing is at the mercy of application, monetary circumstances and history that is borrowing. Stipulations apply to all. You we’ll be lent by the amount might be dissimilar to the quantities we’ve shown below. You truly must be 18 or higher and resident in the united kingdom to utilize for lending with us.

Borrowing options

Ideal for

Big, one-off acquisitions, like purchasing a car or truck, consolidating debts, or house improvements.

Make use of a bank card for pretty anything that is much including

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

Some cards also provide specific features, like

  • Cashback
  • Receiving benefits
  • Big expenses, like house improvements, or debt consolidating
  • You are in a position to borrow over a longer time than having a personal bank loan
  • Assistance with short-term borrowing requirements for things such as unforeseen bills or everyday costs.
  • See basic information regarding overdrafts


You won’t have the ability to make use of financing for company purposes, opportunities (including buying shares and stocks), timeshares, buying home, gambling-related costs, repaying 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, wagering and lottery that is buying, any unlawful purposes, or specific forms of deals which we’ll inform you of every so often.

You won’t manage to make use of 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 make your month-to-month mortgage repayments.

There are many more limitations on buy-to-let and commercial mortgages – speak with a home loan adviser for those who have such a thing apart from a domestic home loan.

You can’t use an overdraft that is arranged opportunities, 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 one’s application and also the terms we might give you be determined by your monetary circumstances and history that is borrowing. The attention rates we provide you might vary 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 restriction, we possibly may boost your limitation later on
  • ВЈ5,000 to ВЈ2 million
  • Wake up to 85% of the home’s value, or 80% if you’re consolidating debts

ВЈ100 to ВЈ5,000, according to the form of account you’ve got.


  • When you yourself have a present account with us, always check if you’re pre-selected to apply within the application or Online Banking
  • Observe how much you are in a position to borrow as well as your interest that is personal price

Utilize our eligibility checker to see before you apply if you’re likely to be accepted.

  • You’ll need to have mortgage with us
  • You’ll need certainly to make an application for the borrowing and we’ll assess your application according to your monetary circumstances and history that is borrowing
  • For those who have a buy-to-let home loan, you’ll need certainly to contain it for at the least half a year if your wanting to can apply (there’s no minimal delay for domestic mortgages)
  • You really must be 21 or higher to apply for just about any buy-to-let-related financing
  • You’ll need a current account with us
  • Utilize our eligibility checker to see before you apply if you’re likely to be accepted

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