Rating based on 44 reviews

Barclays Loans


  • Bad credit loans up to £15,000
  • Low-interest starting from 5.5%
  • Repayment up to 5 years

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Barclays Loans homepage

Author Barclays Loans. Screenshot of Barclays Loans website. [Accessed September 7, 2021]

About Barclays Loans

Our vision is to assemble a thriving business that benefits future generations as much as it does present customers.

We work in an ever-changing environment where a wide scope of social, environmental and economic issues affect our business.

We respond to change and stay ahead

We deal with these issues by constantly evaluating and updating our business strategy and staying ahead of our competitors through consistent innovation and a true desire to make the lives of our customers better.

We make life that much better

Through moving and transformative initiative, we bring about a noticeable improvement in the lives of the people and communities we serve.

We motivate our people to unlock their potential through a lively culture of innovation and action, which powers our business and ensures we achieve the transformation that our shareholders expect. Our mission is to give personal financial services of better quality than the rest.

What we bring to the table

Barclays offers a range of credit products including home loans, personal loans, credit cards, short-term loans and secured personal loans for bad credit. We offer these products at the most competitive rates on the market and with a true desire to make the live of our customers better.

Barclays Loans Services

Our Bad Credit Loans are suitable for financing expensive purchases, for example, a new car to get around or home extensions or renovations.

The consumer demand for our products and services prompts quick natural development and prevalent returns for our shareholders - and we're always looking for ways to expand and grow further. Looking to the future, our objective is to be one of the best financial institutions in the UK, one that is respected for delivering excellence, innovation and quality.

High approval rates at Barclays

We are glad to report that our approval rates on bad credit loans are high and that we offer a less-complicated online loan application which allows you to apply for a loan from the comfort of your own home - with less paperwork and less hassle.

Loans for people with bad credit

You will discover an immeasurable number of companies who utilize this expression and, it can be truly overpowering to the consumer - a bad credit loan should only be considered if there are no alternative options and you can afford to make the repayments comfortably.

We make it easier for you

Attempting to get a personal loan when you have bad credit can be truly an overwhelming undertaking - contact us to find out how we can make the process much faster and less painful. We offer personal loans for bad credit that will need to be secured but will not approve anyone who is currently bankrupt, has any CCJ's or IVA's or does not meet our minimum requirements.

Barclays Loans – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate from 5.5%
  • Loan Amount up to £15,000
  • Repayment 2 years to 5 years

Benefits of Barclays Loans

  • Personalised loan quotes
  • Apply for a loan in 10 minutes
  • Loans are paid out quickly

Bad credit loan calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

You can get an affordable bad credit loan with Barclays

If you’ve taken out any credit or store card debts or other unsecured debts and have gotten to the point that you can no longer effectively manage these debts, Barclays may be able to help you by offering a bad credit loan in the form of a personal loan or a homeowner loan.

Our personal loans optimally place to stand in as bad credit loans and help you better manage your finances at a lower interest rate. A homeowner’s loan, should you require it, will not be provided by Barclays directly but through Freedom Finance who can help with a bad credit loan.

Benefits of taking out a loan with Barclays

  • Get a personal loan of between £1,000 and £50,000
  • Repair damaged credit by keeping up repayments
  • Lower your monthly payments
  • APR will vary based on your personal status
  • Get a personalized bad credit loan quotation
  • Apply online and get a fast decision

Get a personalized quote from Barclays

Barclays offer you a way to find out if you qualify for a bad credit loan and get a price quotation that will allow you to see what APR we will offer you before you formally apply for the bad credit loan and, without a credit check which may make your credit situation even worse. We also offer you the convenient option of repaying your loan early at any time either partially or completely with an additional charge of only 1 month’s interest on the repaid amount.

Minimum requirements for getting a loan at Barclays

In order to qualify for a quick loan with Barclays, you will have to undergo a credit check that will determine your ability to afford and manage the loan. We require that you be over the age of 18 but do not require you to put up security to secure the bad credit loan unless your credit is below our required minimum in which case we may arrange a homeowners loan through Freedom Finance. You cannot use the bad credit loan to settle CCJ’s or apply for one if you're currently bankrupt or have an IVA.

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Barclays Loans is a trusted & reliable provider of bad credit loans

In our review, Barclays Loans adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Barclays Loans is a registered credit provider in the UK; FCA number 759676

Customer Reviews & Testimonials

April 2019

Join the masses of UK residents that trust in Barclays for all their financial reasons – and with good reason too! Their bad credit loans are among my favourite borrowing options now with their a...

Jeremy S
— Liverpool —

March 2019

Not every financial institution is willing to take on the risk of a customer with a bad credit record. But Barclays sees their customers for more than just a credit score – complete their applica...

Gerald M
— Manchester —

Barclays Loans Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:30 – 16:30
  • Tuesday 09:30 – 16:30
  • Wednesday 10:00 – 16:30
  • Thursday 09:30 – 16:30
  • Friday 09:30 – 16:30
  • Saturday – Closed
  • Sunday – Closed