Top up an existing loan-you could ensure you get your top-up straightaway.

Require just a little additional?

For those who have a Barclayloan but wish more cash, you can top it or get another loan.

Susceptible to application, economic circumstances and borrowing history

Visit your brand brand new price

We’re dissimilar to most other loan providers – quite often we’ll provide you with a personalised cost estimate in advance. You’ll see the top-up price you’ll actually get, while the quote won’t impact your credit rating.

Cash straightaway

You can get your top-up straightaway, since long as your

  • Apply on line or perhaps in your application along with your application is authorized
  • Indication your agreement online or in your application between 7am and 10.30pm

Fixed month-to-month repayments

Your repayments should be fixed, and you will select your re payment date, that will help you budget and stay in addition to your top-up loan.

Top up overview Top up overview

Top up your Barclayloan

Topping your Barclayloan might be a great option if you wish to borrow additional money.

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

Just exactly How topping up works

Once you top up financing, we don’t really include money to it. Rather, we put up a loan that is new the rest of the stability in addition to the additional quantity you wish to borrow.

For instance, if your overall loan is ?5,000 and also you would you like to borrow a supplementary ?2,000, we’ll start a new loan for ?7,000 and repay the initial loan, causing you to be aided by the staying quantity. Early payment costs use regarding the very first loan.

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

You can sign up for a extra loan

There might be instances when you don’t wish to top up a current loan. This might be as you took your present loan for a particular reason and desire to keep consitently the repayments split. In this instance, you might start thinking about taking out fully A barclayloan that is second and 2 split repayments.

Why top your Barclayloan?

You might borrow as much as ?50,000, dependent on your position. This quantity includes your existing loan. Always check now to see for those who have a loan that is provisional in on line Banking or perhaps the Barclays application 1.

One fixed, monthly payment 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, if you like. You a fee of 30 days’ interest on the amount you’re repaying, as well as any other interest that’s due if you repay in full, we’ll charge. We’ll calculate accurately this utilizing the amount your debt.

You might be entitled to top your Barclayloan online if you:

? Have a current barclayloan (for a lot more than a few months)

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

? Have handled your bank account well while having a great credit rating – eg, you’ve perhaps perhaps not defaulted on a loan that is previous

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

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

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

As being a loan provider, we now have a obligation to behave fairly and also as element of this we’ve devoted to proceed with the guidelines of Lending Practice. This note sets down a number of our key responsibilities and that which we ask of you, to ensure the partnership is effective for both of us.

  • We shall provide responsibly and try to provide an item that is affordable for you personally.
  • We’ll give you information regarding our products and exactly how it works, in an obvious and understandable method, therefore for you and your needs that you can decide what’s best.
  • We shall endeavour to be sure our items and solutions offer, whenever we can, the flexibleness to meet up with your preferences.
  • We’ll treat you fairly and fairly all the time and then make certain you might be supplied with a level that is high of.
  • 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 shall constantly try to allow you to whenever we see, or perhaps you inform us, that you’re having difficulty economically. We are going to look for to comprehend your general circumstances, attempt to determine choices that you could pay for and where appropriate, give a mention of free financial obligation advice.

That which we ask of your

  • We request you to be cautious about whether it is possible to pay for to settle the cash you intend to borrow also to likely be operational in your transactions with us.
  • Manage any cards, PINs, online log-in details and other protection information to simply help avoid fraud which help us to safeguard your records.
  • Inform us at the earliest opportunity when your card happens to be lost or stolen, or you understand or suspect some body is misusing your information that is confidential e.g. Your PIN or online log-in details.
  • Very Carefully check always your account statements to be sure they’ve been accurate. If any such thing is not right, please speak to us.

Please tell us if

  • Your contact information modification, so we could well keep our records as much as date.
  • Your circumstances alter, specially if what’s happened will probably cause you problems in handling your account or monetary issues.
  • You would imagine you won’t have the ability to carry on with with your repayments. The earlier you are doing this, the much more likely it really is we’ll have the ability to locate a real means that will help you.

We might additionally encourage you to definitely relate to the conditions and terms connected with your overall account, bank card or unsecured loan.