Top up a loan-you that is existing get the top-up straightaway.

Require only a little extra?

You could top it up or get another loan if you have a Barclayloan but want more money.

Susceptible to application, monetary circumstances and borrowing history

Visit your brand brand new rate

We’re dissimilar to almost every other lenders – quite often we’ll provide a personalised price estimate at the start. You’ll see the top-up price you’ll actually get, while the quote won’t impact your credit rating.

Money straightaway

You can get your straightaway that is top-up long as your

  • Apply on line or in your software as well as your application is authorized
  • Indication your agreement online or in your software between 7am and 10.30pm

Fixed month-to-month repayments

Your repayments would be fixed, and you will select your re re re payment date, that will help you budget and remain together with your top-up loan.

Top up overview Top up overview

Top up your Barclayloan

Topping your Barclayloan might be an option that is good you need to borrow more income.

If you should be registered for on line Banking or perhaps the Barclays application and also you curently have a loan with us, you might top it online up to ?50,000. The amount depends on your present status and it is susceptible to application. Topping up gives you the money you’ll need – whether it is for the brand new automobile, renovations or consolidating existing debts.

Just How topping up works

Whenever you top a loan up, we don’t really include money to it. Rather, we put up a loan that is new the rest of the stability and the extra quantity you need to borrow.

For example, if your present loan is ?5,000 and also you desire to borrow an additional ?2,000, we’ll start a new loan for ?7,000 and pay back 1st loan, causing you to be aided by the amount that is remaining. Early repayment fees use in the very first loan.

The loan that is new have a new rate of interest from your initial loan, while the term could be various, too. This might mean than you did before that you’d pay more interest.

You might sign up for a extra loan

There might be instances when you don’t like to top up a existing loan. This can be since you took your present loan for the reason that is specific would you like to keep consitently the repayments separate. In this situation, you might start thinking about taking out fully A barclayloan that is second and 2 split repayments.

Why top your Barclayloan up?

You can borrow as much as ?50,000, dependent on your position. This quantity includes your current loan. Always check now to see when you have a provisional loan restriction in on line Banking or even the Barclays software 1 )

One fixed, month-to-month repayment that will help you budget

Loans are offered for payment terms all the way to 5 years, or as much as 10 years on particular quantities, for chosen, current clients.

Repaying your loan early

It is possible to repay your loan early, in component or in complete, when you like. If you repay in complete, we’ll charge a cost a fee of thirty days’ interest regarding the quantity you’re repaying, along with just about any interest that is due. We’ll calculate accurately this utilizing the quantity you borrowed from.

Maybe you are entitled to top up your Barclayloan online if you:

? Have A barclayloan that is existing significantly more than three months)

? Pay at least ?1,000 into your Barclays current account each thirty days

? Have managed your bank account well and possess a great credit rating – eg, you’ve maybe not defaulted on a past loan

You should use your loan for pretty much such a thing, aside from:

  • Company reasons
  • Opportunities, including buying shares and stocks
  • Timeshares
  • Buying property (home improvements are fine)
  • Gambling-related expenses
  • Repaying CCJs (county court judgments)
  • A purchase produced by combining this loan with any other people

Our financing commitments and that which we ask of you Our commitments that are lending

Being a loan provider, a responsibility is had by us to behave fairly so when section of this we have invested in stick to the guidelines of Lending Practice. This note sets down several of our key responsibilities and everything we ask of you, to ensure the partnership is very effective for both of us.

  • We shall provide responsibly and seek to provide an item that is affordable for you personally.
  • We shall give you information regarding our products and just how it works, in an obvious and understandable method, so for you and your needs that you can decide what’s best.
  • We will endeavour to be sure our services and products and solutions offer, whenever we can, the flexibleness to fulfill your requirements.
  • We’ll treat you fairly and fairly all the time and work out certain that you will be supplied with a top standard of solution.
  • About any inaccuracies, for example around the personal information we hold about you, we will act quickly to put it right if you tell us.
  • We are going to constantly make an effort to assist you to that you are having trouble financially if we see, or you tell us. We’ll look for to comprehend your general circumstances, try to determine choices you could pay for and where appropriate, offer a mention of free debt advice.

Everything we ask of your

  • We request you to be cautious about you want to borrow and to be open in your dealings with us whether you can afford to repay the money.
  • Care for any cards, PINs, online log-in details and other protection information to greatly help avoid fraud which help us to safeguard your reports.
  • Inform us at the earliest opportunity in the event your card happens to be lost or taken, or you know or suspect somebody is misusing your private information e.g. Your PIN or online details that are log-in.
  • Very Very Carefully look at your account statements to be sure they truly are accurate. If any such thing is not right, please make contact with us.

Please let us know if

  • Your contact information modification, therefore we could well keep our documents as much as date.
  • Your circumstances alter, especially if what’s happened probably will cause you problems in handling your bank account or economic issues.
  • You imagine you won’t manage to keep pace along with your repayments. The earlier you are doing this, the much more likely it’s we’ll have the ability to look for a real method to assist you.

We might additionally encourage one to make reference to the conditions and terms related to your account, charge card or loan that is personal.