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Barclays: Personal Loan reviews

Name: Personal Loan
Rating: 3.99 (106 reviews)

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3.99

Based on 106 reviews, last reviewed 17th Apr 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

68%

16%

Latest highest rating:

5

Good interest rate. Good interest rate. Repayment plan and process clearly stated. Good support from staff when needed. Reviewed on: 17th April 2026

Latest lowest rating:

2

Was offered loan, quickly and satisfied Was offered loan, quickly and satisfied Reviewed on: 15th March 2024

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About this product

The Barclays personal loan reviews on Smart Money people are left by people like you. Read through other people’s experiences to help you determine whether this is the right personal loan for you.

The type of loan you take out can impact everything from your ability to meet repayments, to your credit score, so it’s important to give it careful consideration. Barclays offers a number of personal loans, so you can read through the reviews on our site to see what other people have to say to help you make up your mind.

And remember, if you've taken out a Barclays personal loan in the past, you can also leave a review. Why not share your experiences on customer service, or the application process for example and include any other details you think would be useful for those doing their research on loan providers.

Smart Money People is the UK’s largest financial services review site. Together, we can increase trust and transparency in financial services. Leave a Barclays personal loan review below.

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Barclays Personal Loan reviews (106)

The rates are due to your credit and debt

If you have bad credit you will not get a interest rate that will fit your need as much me and my wife got a 8.9 percent rate with high 700s score ...so i wouldnt give a bad review if your rate is affected by the amount of debt and score you have . The best thing about this is you PAY 1 BILL INSTEATD OF MANY WITH VARIOUS RATES. Self educate in how it works and youll know of it fits you best or not . Its a great way to track one payment for all debt at a possible lower rate so you pay it off faster than you would splitting to various points of debt . Reviewed on: 8th November 2017

High interest

Had to emergency borrow for vets bill, interest was really high but was instant which was good Reviewed on: 30th June 2017

Easy system, rates could be better

As a Barclays customer with on line banking I have used their loan services. Easy process to apply & keep track of payments & balance, only criticism is that the rates could be better Reviewed on: 22nd June 2017

Barclays phone customer service

In branch help in the branches that I use is great, congrats on that. Phone customer service is horrendous. Was served by an agent possibly from a call centre in India. The person could barely speak English and could not understand a word I was saying. Had to hang up and walk to the bank. Reviewed on: 31st May 2017

Easy loan

Easy to apply and get the money. Barclays always offers good service. Reviewed on: 30th May 2017

Very high interest rates.

Excellent credit record and have been with the bank for nearly 2 decades. Very bad interest rate given. Not happy. Reviewed on: 30th May 2017

Great APR% rates for good credit customers.

Had two loans with amazing APR% no hassle. Very simple. A few questions answered and the money was in my account in seconds!! Reviewed on: 20th May 2017

Great Business Incentives

Barclays helped me with some business equipment, very fast in sorting it out. Reviewed on: 17th May 2017

Poor

I tried to apply for a loan at Barclays and they declined me straight away and said my credit wasn't good as they said I had none but got told I would be accepted from a advisor I spoke to but the advisor that called me was lovely I can give them that as they do have one of the best customer services going and that's always they key!!! Reviewed on: 10th May 2017

Superb rate loan

Taking out a loan as an existing barclays customer is simple, fair and gets you really good interest rates. The application can be done online, and you can even find out if you're likely to be accepted for one before you proceed through online banking. Excellent product and service! Reviewed on: 24th December 2016

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