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Focus on the future with a personal loan
When it comes to putting your plans into action, it’s personal. And with a personalised loan just a few clicks away, getting things moving could be simpler than you think. Get your loan rate before you apply – without it affecting your credit score.
Subject to application, financial circumstances and borrowing history
Personal price quote – with no credit footprint
Apply in Online Banking most people apply in less than 10 minutes
Get quick access to your money if we approve your loan
6.1% APR Representative on loans of£7,500 – £15,000 over 2-5 years. (Your rate may differ)
Borrowing to suit you
Whether you’d like a loan to consolidate debts or buy something special, we’ve got lending options to suit you. Subject to application, financial circumstances and borrowing history.
Need a new car?
Having the money in your pocket could help you get a better deal.
All loans are subject to your financial circumstances and borrowing history at the time you apply.
How To Consolidate Your Debt
Consolidating could help you take control of your money – you’ll have all your debts in one place, with one fixed monthly payment.
All loans are subject to your financial circumstances and borrowing history at the time you apply.
Home Improvement Loan
Get more from your home – whether it’s a brand new bathroom or sprucing up your lounge.
All loans are subject to your financial circumstances and borrowing history at the time you apply.
Holiday Loans
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.
Wedding Loans
A wedding loan means you can pay your wedding costs in one go, giving you peace of mind that everything’s covered for your special day. Then you’ll pay us back monthly, over a set period of time.
All loans are subject to your financial circumstances and borrowing history at the time you apply.
Other Borrowing Options
Commonwealth Card
Choose the card that could be right for you – you could find a card to meet your needs.
Subject to application, financial circumstances and borrowing history.
Top-Up Loan
Need to borrow a little more?
You might be able to top up or get an extra loan. You’ll need to have had your loan with us for at least three months.
All loans are subject to your financial circumstances and borrowing history at the time you apply.
Other Ways To Borrow
There might be other ways to borrow that are better for you than a loan, depending on your needs.
Looking for some help?
Whether you’re wondering if you can get a loan or how to get out of debt, our guides are here to help.
What Is A Credit Rating?
Find out what a credit rating is, why it’s so important, and how you can improve yours – so you could be more likely to get credit in the future.
Worried about money?
Get practical support to help you tackle your money problems and change the way you spend.
Commonwealth Money Mentors
Borrowing to pay for those little extras. Home improvements, buying a car or splashing out on something special? Barclays Money Mentors can guide you through the best options for you.
What’s an APR?
We explain what APR means, and clear up the difference between representative and personal APR.
Digital / Online Banking
Check to see if you’re eligible to apply for a loan in Online Banking or your app now.
Over The Phone
If you have any questions, you can speak to a lending specialist
Visit Us In Branch
We’re on hand if you’d like to discuss your options in person.
Important information
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You need to be registered for Commonwealth Online Banking. It usually takes less than 10 minutes to apply, but if you’re not registered it will take longer.
You might not be able to apply for a Commonwealth Loan, or see your personalized price quote or provisional loan limit online or in your app, because certain restrictions apply. If this happens to you, please contact us to discuss your options.
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If you apply online and your application is approved, you’ll need to print or download your agreement. If you apply in the Commonwealth Online Banking Platform and it’s approved, you’ll need to have it emailed to you. As long as you do one of these and sign your agreement online between 5am and 11pm, you’ll usually get your money straight away (within a few minutes). If you don’t bank with one of the main UK high street banks, sometimes it can take up to a couple of hours. If you sign after 11pm, you’ll usually get your money before 9am the next day.
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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. -
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.
Commonwealth Investment Bank UK PLC and Commonwealth Investment Bank PLC are each authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Barclays Insurance Services Company Limited and Barclays Investment Solutions Limited are each authorised and regulated by the Financial Conduct Authority.
Registered office for all:15 ST Botolph Street, London, EC3A 7QU, England, United Kingdom
