Barclays

An overdraft is a good short term solution for small unexpected bills such as a vehicle repair bill. Overdrafts allow you to draw additional money from your account from up to £100 to £5000 limits.

If you go over your stipulated amount you could incur higher fees and interest rates. It is important to find out exactly how an overdraft works before applying for one. If you have a bad credit history it is better to speak with a financial advisor at your bank than continue to rely on overdrafts.

Credit cards can be the solution

Credit cards are perfect for everyday spending, improving credit rating and balance transfers. There are a variety of credit cards each with their own limit and interest rates; the type of card that you can gain access to will depend on your current financial circumstances. Credit cards are good for short term purchases but not for long term needs. It is best to pay off your balance quickly and in full every month in order to avoid interest from accumulating.

Our service is free

We treat each customer as an individual meaning that we will work out a unique quote for each of our clients. You can also make use of our online loan calculator to get an idea of what your repayments could look like prior to completing an application. This is completely free and will not affect your credit rating at all.

Loan guidance and assistance

If you are uncertain about your eligibility or how our various loans options work then you can contact us telephonically, via video call or visit us at your nearest Barclay’s branch. Our customer service teams are well trained and have excellent expertise in the field to offer you the best advice available.

In order to apply for a loan with us, you need to be at least eighteen and a resident of the UK with Barclay’s current account. If you meet these criteria then you can apply and we will get the ball on the roll.