How to borrow with us

How to borrow with us

Our guide on which to think about

There are several reasons you might need certainly to borrow – and lots of approaches to do so. Have a look at your options available and find out if you could be helped by them.

There are lots of approaches to borrow funds and that you choose finally is dependent on what you would like to obtain. This guide shall help you result in the choice that is right. To get started, think

  • just What do i would like the income for?
  • Just how much do I need to borrow?
  • Whenever do i want it?
  • Exactly just How will it is paid by me straight right back?

Here’s a synopsis for the primary choices you could start thinking about.

All lending is at the mercy of application, monetary circumstances and borrowing history. Conditions and terms apply to all the. You we’ll be lent by the amount could possibly be dissimilar to the amounts we’ve shown below. You really 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 buying a car or truck, consolidating debts, or house improvements.

You could utilize credit cards for pretty much such a thing, including

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

Some cards also provide particular features, like

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


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

You won’t manage to put payday loan companies in Westborough Massachusetts it to use for company purposes, gaming-related deals, like gambling, gambling and purchasing lottery seats, any unlawful purposes, or particular kinds of deals which we’ll inform you of every once in awhile.

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

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

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

Amount you can 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 while the terms we possibly may give you rely on your economic circumstances and borrowing history. The attention prices we provide you may change from those shown on examples
  • In the event that you make repayments on time, don’t miss any payments and don’t go over your credit restriction, we might boost your limitation later on
  • ВЈ5,000 to ВЈ2 million
  • Get right up to 85% of one’s home’s value, or 80% if you’re consolidating debts

ВЈ100 to ВЈ5,000, with respect to the types of account you’ve got.


  • For those who have an ongoing account with us, check always if you’re pre-selected to apply within the software or Online Banking
  • Observe how much you could be able to borrow and 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 a mortgage with us
  • You’ll need certainly to make an application for the borrowing and we’ll assess the application centered on your economic circumstances and history that is borrowing
  • When you have a buy-to-let home loan, you’ll need certainly to get it for no less than 6 months if your wanting to can use (there’s no minimal delay for domestic mortgages)
  • You need to be 21 or higher to apply for any buy-to-let-related financing
  • 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 use