How to borrow with us

Our guide about what to take into account

There are several reasons you might have to borrow – and lots of techniques to get it done. Take a good look at your options available to discover if they might assist you to.

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

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

Here’s an overview regarding the options that are main could start thinking about.

All financing is at the mercy of application, economic circumstances and history that is borrowing. Conditions and terms apply to any or all. You we’ll be lent by the amount could possibly be dissimilar to the quantities 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 purchasing a motor vehicle, consolidating debts, or house improvements.

Make use of a charge 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 provide certain features, like

  • Cashback
  • Receiving benefits
  • Large expenses, 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 everyday expenses.
  • See basic information on overdrafts


You won’t manage to use that 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 have the ability to make use of it for company purposes, gaming-related deals, like gambling, wagering and lottery that is buying, any unlawful purposes, or certain 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, 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 home loan repayments.

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

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

Amount you can borrow

  • ВЈ50 to ВЈ15,000 (we’ll give you a limit that’s affordable for you)
  • In the event that you submit an application for a Barclaycard, we’ll show you more details about how exactly to obtain the many from your own offer. The approval of one’s application additionally 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 get your credit limit over, we might boost 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 debts that are consolidating

ВЈ100 to ВЈ5,000, with regards to the kind 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 might be able to borrow along with your individual interest price

Utilize our eligibility checker to see if you’re apt to be accepted before you use.

  • 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 according to 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 buy-to-let-related financing
  • You’ll need an account that is current us
  • Make use of our eligibility checker to see before you apply if you’re likely to be accepted

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