Techniques to borrow with us

Our guide about what to take into account

There are several reasons you might need certainly to borrow – and lots of techniques to take action. Take a good look at the choices available to discover if they are able to allow you to.

There are many techniques to borrow funds and that you choose fundamentally depends upon what you would like to reach. This guide will allow you to result in the right choice. To get started, think

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

Here’s a summary associated with options that are main could give consideration to.

All financing is at the mercy of application, economic circumstances and borrowing history. Conditions and terms apply to any or all. The quantity we’ll provide you could possibly 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

Big, one-off acquisitions, like purchasing a motor vehicle, consolidating debts, or house improvements.

You could utilize a charge card for pretty much such a thing, including

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

Some cards also provide certain features, like

  • Cashback
  • Receiving rewards
  • Big costs, like house improvements, or debt consolidation reduction
  • You are in a position to borrow over a longer time than having a unsecured loan
  • Assistance with short-term borrowing requirements for things such as unanticipated bills or expenses that are everyday.
  • See information that is general overdrafts


You won’t manage to make use of that loan for company purposes, opportunities (including buying stocks and stocks), timeshares, buying home, gambling-related costs, repaying county court judgments, or perhaps a purchase created by combining this loan with other people.

You won’t have the ability to put it to use for company purposes, gaming-related deals, like gambling, gambling and lottery that is buying, any unlawful purposes, or particular forms of deals which we’ll inform you of every once in awhile.

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

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

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 as well as the terms we possibly may offer rely on your economic circumstances and history that is borrowing. The attention prices we provide you may vary from those shown on examples
  • In the event that you make repayments on time, don’t miss any payments and don’t get your credit limit over, we possibly may boost your limitation later on
  • ВЈ5,000 to ВЈ2 million
  • Get right up to 85per cent of the home’s value, or 80% if you’re debts that are consolidating

ВЈ100 to ВЈ5,000, with regards to the kind of account you’ve 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 could be in a position to borrow along with your individual interest price

Utilize 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 make an application for the borrowing and we’ll assess the application predicated on your economic circumstances and history that is borrowing
  • For a minimum of six months before you can apply (there’s no minimum wait for residential mortgages if you have a buy-to-let mortgage, you’ll need to have it)
  • You truly must be 21 or higher to apply for just about any lending that is buy-to-let-related
  • You’ll need a present account with us
  • Utilize our eligibility checker to see if you’re probably be accepted before you use

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