Barclays Holiday Home Finance

Holiday loans

How to pay for your holiday

A holiday loan is when you take out a personal loan to cover the cost of your next break, so you don't have to worry about paying for your trip all at once.

All loans are subject to your financial circumstances and borrowing history at the time you apply.

Check to see if you have a personalised price quote ¹

Apply in Online Banking or the Barclays app – most people have an answer in less than 10 minutes¹

Easily calculate your potential repayments

0 APR Representative
on loans of
0

over 2-5 years. (Your rate may differ²)

Benefits

• A holiday loan could help you spread the cost of your holiday. You can also choose your payment term, top up your loan, and repay your loan early, if you need to.

  Choose your payment term
  

  The maximum loan repayment term is ten years.

  The minimum APR is 3.4%, and the maximum APR is 26.9%. The rate for your loan will depend on the amount you want to borrow and the repayment term you choose.

  You can get an idea of the rates and charges before taking out a loan by using our loan calculator.Please see the representative example below.

  Top-up option

  Already have a loan and need more funds for your trip? You can apply to increase your borrowing with us.

  Repaying your holiday loan early
  

  You can repay your loan early, in part or in full, whenever you like – there's no minimum repayment period.

  If you repay it in full, we'll charge you a fee equal to 30 days' interest on the amount you're repaying, as well as any other interest that's due. You can see what your full early payment amount would be at any time in Online Banking or your Barclays app.

• To apply online, you'll need to

  Have a current account with us or a Barclaycard
  

  Be a UK resident
  

  Be aged 18 or above

  You can use your loan for almost anything, apart from

  • Business reasons
  • Investments, including buying stocks and shares
  • Timeshares
  • Purchasing property (home improvements are fine)
  • Gambling-related expenses
  • Repaying CCJs (county court judgments)
  • A purchase made by combining this loan with any others

• If you've started an application already, it's easy to pick up where you left off.

  Log in to Online Banking or the Barclays app and we'll take you to your saved application.

• As a lender, we have a responsibility to act fairly and as part of this we have committed to follow the Standards of Lending Practice. This note sets out some of our key responsibilities and what we ask of you, to ensure that the relationship works well for both of us.

  • We will lend responsibly and aim to provide a product that is affordable for you
  • We will provide you with information about our products and services and how they work, in a clear and understandable way, so that you can decide what's best for you and your needs
  • We will endeavour to make sure our products and services offer, wherever possible, the flexibility to meet your needs
  • We will treat you fairly and reasonably at all times and make sure that you are provided with a high level of service
  • If you tell us about any inaccuracies, for example around the personal information we hold about you, we will act quickly to put it right
  • We will always aim to help you if we see, or you tell us, that you are having trouble financially. We will seek to understand your overall circumstances, try and identify options that you can afford and where appropriate, provide a reference to free debt advice

  What we ask of you

  • We ask you to think carefully about whether you can afford to repay the money you want to borrow and to be open in your dealings with us
  • Take care of any cards, PINs, online log-in details and other security information to help prevent fraud and help us to protect your accounts
  • Tell us as soon as possible if your card has been lost or stolen, or if you know or suspect someone is misusing your confidential information e.g. your PIN or online log-in details
  • Carefully check your account statements to make sure they are accurate. If anything isn't right, please get in touch with us

  Please let us know if

  • Your contact details change, so we can keep our records up to date
  • Your circumstances change, particularly if what's happened is likely to cause you difficulties in managing your account or financial problems
  • You think that you won't be able to keep up with your repayments. The sooner you do this, the more likely it is we'll be able to find a way to help you

  We would also encourage you to refer to the terms and conditions associated with your current account, credit card or personal loan.

Holiday loan calculator

How much would you like to borrow for your holiday? The results we show you are based on the representative APR. Your actual holiday loan rates and repayments may differ and will be based on your personal circumstances, the loan amount and term.

Monthly repayment

The same every month

Total amount payable

Loan required

APR

Based on the details you entered

Representative example

APR Representative
based on a loan of
repayable over months
at an interest rate of
per annum (fixed) .
Monthly repayment of .
Total amount payable .

Representative APR applies to loans of

How to apply

If you have a current account with us or a Barclaycard, we could tell you your personal loan rate upfront – without affecting your credit score.

Looking for some holiday loan tips?

Here are a few things to think about, when you're considering taking out a holiday loan.

• A holiday often has different types of costs including travel, accommodation, spending money, insurance and vaccinations. Which is why a holiday loan could be handy, if you don't have the savings or if you don't want to pay for the full trip upfront.

  Just tell us how much you need and apply. If we approve your application, we'll send you your money straight away, so you can confirm your trip. Then you'll pay us back monthly, over a set amount of time.

Lending and guidance

We have additional information, options and tools to help you if you're taking out a holiday loan.

All loans are subject to your financial circumstances and borrowing history at the time you apply.

• Other ways to borrow Other ways to borrow
• Need some more help? Need help?
• Preparing for your holiday Preparing

• Other ways to borrow
• Need some more help?
• Preparing for your holiday

Talk to us about loans

Important information

1. You need to be registered for Online Banking or the Barclays app. Not everyone is pre-selected – if you aren't, you won't be able to apply online or in the app. Please get in touch to discuss your options.^{Return to reference}

2. The rate you're offered may differ from the Representative APR shown and will be based on your personal circumstances, the loan amount and the repayment term.
   All loans are subject to your financial circumstances and borrowing history at the time you apply. Eligibility and conditions apply. You must be a UK resident to apply.^{Return to reference}

3. Lines are open Monday to Saturday, from 8am to 9pm, and bank holidays from 8am to 6pm. To maintain a quality service, we may monitor or record phone calls. Call charges.^{Return to reference}
   

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Source: https://www.barclays.co.uk/loans/holiday-loans/

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