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

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

Need only a little additional?

For those who have a Barclayloan but want more cash, you might top it up or get another loan.

At the mercy of application, economic circumstances and borrowing history

Visit your new price

We’re dissimilar to almost every other loan providers – quite often we’ll offer you a personalised cost estimate in advance. You’ll see the rate that is top-up actually get, while the quote won’t impact your credit rating.

Cash straightaway

You have access to your straightaway that is top-up long as your

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

Fixed repayments that are monthly

Your repayments will likely be fixed, and you may choose your re re payment date, that will help you budget and remain along 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 cash.

If you should be registered for on line Banking or the Barclays application and also you curently have that loan you could top it up online up to ?50,000 with us. The quantity depends on your present status and it is at the mercy of application. Topping up gives you the money you will need – whether it is for a car that is new renovations or consolidating existing debts.

Exactly How topping up works

Once you top a loan up, we don’t really include cash to it. Rather, we put up a new loan for the rest of the stability in addition to the additional amount you intend to borrow.

For instance, if your overall loan is ?5,000 and also you like to borrow an additional ?2,000, we’ll start a new loan for ?7,000 and pay back initial loan, leaving you because of the staying quantity. Early payment fees use from the very first loan.

The loan that is new have an alternate rate of interest from your own initial loan, additionally the term could be various, too. This might mean that you’d spend more interest than you did prior to.

You might sign up for a loan that is additional

There might be instances when you don’t like to top up a current loan. This might be as you took your overall loan for a reason that is specific desire to maintain the repayments split. In cases like this, you might think about taking right out A barclayloan that is second and 2 split repayments.

Why top your Barclayloan?

You might borrow as much as ?50,000, based on your position. This quantity includes your current loan. Check always now to see when you yourself have a provisional loan restriction in on line Banking or even the Barclays application 1.

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

Loans are offered for payment terms as high as 5 years, or as much as 10 years on particular quantities, for chosen, current customers.

Repaying your loan early

You are able to repay your loan early, in part or in complete, when you like. If you repay in complete, we’ll charge a fee a fee of thirty days’ interest from the quantity you’re repaying, in addition to every other interest that’s due. We’ll calculate accurately this utilizing the quantity you borrowed from.

You might be qualified to top your Barclayloan up online if you:

? Have a existing 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 and now have an excellent credit rating – eg, you’ve perhaps not defaulted for a previous loan

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

  • Business reasons
  • Opportunities, 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 financing commitments

Being a lender, a responsibility is had by us to do something fairly so that as element of this we now have dedicated to proceed with the guidelines of Lending Practice. This note sets down a few of our key responsibilities and everything we ask of you, to make sure that the partnership is useful both for of us.

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  • We will provide responsibly and seek to provide something that is affordable for you.
  • We are going to offer you information on our services and products and exactly how it works, in a definite and understandable method, therefore as you are able to decide what’s perfect for both you and your requirements.
  • We will endeavour to be sure our items and solutions offer, whenever we can, the flexibility to meet up your requirements.
  • We are going to treat you fairly and fairly all of the time and work out certain you will be supplied with a higher degree of service.
  • 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 allow you to when we see, or perhaps you inform us, that you will be having problems economically. We’re going to look for to know your general circumstances, attempt to determine choices that one may afford and where appropriate, offer a mention of the free debt advice.

Everything we ask of you

  • 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.
  • Look after any cards, PINs, online log-in details and other protection information to greatly help avoid fraud which help us to guard your reports.
  • Inform us as quickly as possible should your card is lost or taken, or you understand or suspect somebody is misusing your private information e.g. Your PIN or online log-in details.
  • Very Very Carefully always check your account statements to be sure they have been accurate. If any such thing is not right, please make contact with us.

Please write to us if

  • Your contact information change, therefore we will keep our documents as much as date.
  • Your circumstances alter, especially if what’s happened will probably cause you problems in handling your bank account or problems that are financial.
  • You would imagine you won’t have the ability to continue along with your repayments. The earlier you are doing this, the much more likely it really is we’ll have the ability to look for a real means that will help you.

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

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