Features

Where does Barclaycard do business?

Barclaycard is a bank based in New York, NY. It was founded in 1896 and offers access to personal loans in 50 states (and Washington, DC).

What range of rates does Barclaycard offer?

Barclaycard offers personal loans with APRs starting at 4.99% and up to 18.99%.

Does Barclaycard charge an origination fee?

No, Barclaycard does not charge a loan origination fee.

A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees. 

Does Barclaycard charge a late fee?

No, Barclaycard will not charge you a late fee.

Does Barclaycard charge prepayment fees?

No, Barclaycard does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

How much can you borrow from Barclaycard?

Loan amounts start at $5,000 and go up to $35,000.

What do you need to qualify for a loan with Barclaycard?

Applicants with a credit score of at least 600 can apply for a loan via Barclaycard.

Active duty servicemembers and their covered dependents are eligible to apply for a loan via Barclaycard. Their rates fall within the limits of The Military Lending Act.

To qualify, applicants may need to provide the following documentation:

  • Proof of identity
  • Proof of citizenship or residence permit
  • Proof of income
  • Does Barclaycard report loan payments to credit bureaus?

    Barclaycard reports credit data to the following credit reporting agencies:

    • Equifax
    • Experian
    • Transunion

    How does Barclaycard describe itself?

    You know how to handle your credit. That's why we're inviting you to apply for a Barclaycard Personal Loan. It could help you reduce your monthly payments, trim your debt and save you money. Best of all, there are no fees!

    • Credit Score Range
      600 - 850
    • Employment Statuses Considered
      Employed Full-Time
    • Military Status
      • Active Duty Military
      • Military Dependent
      • Non-Military
      • Veterans
    • Supported Income Types
      • 1099 Misc. Income
      • Cash / Other
      • Direct Deposit (W2, SSA, SSDI)
      • Payroll Check or Prepaid Card
    • Verification Documents Required?
      • Proof of Identity
      • Proof of Income
      • Proof of Residence
      • Proof of citizenship/residence
    • No Late Fees
    • No Origination Fee
    • No Prepayment Fee
    • Credit Bureau Reporting
      • Equifax
      • Experian
      • TransUnion
    • Customizable Payment Dates
    • Payment Options
      • Automatic Payments
      • Check by mail
      • Credit/Debit Card
    • Pre-Approved Soft Credit Inquiry
    • Loan Amount
      $5000 - $35000
    • APR
      4.99% - 18.99%
    • Max Loan Term (Months)
      60
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