personal customers

Barclays Partner Finance

Personal finance for those larger purchases

Time to upgrade that old sofa? Or perhaps you’re taking the plunge on your dream kitchen? Whatever that big purchase is, help make paying for it easier by spreading the cost with finance. Subject to application, financial circumstances and borrowing history

What is Barclays Partner Finance?

Available through a variety of retailers, we provide finance options for larger purchases, such as home improvements, electrical items, home furnishings, jewellery and more.

How it works

Spread the cost of larger purchase over 6 months to 7 years, when you buy from our selected partner retailers. With different plans at point of sale, including interest-free options (retailer dependant). We can help you with purchases of up to £50,000 depending on what you buy and which retailer you buy from.

Subject to application, financial circumstances and borrowing history.

At the checkout

When you make a purchase with one of our partner retailers, you’ll have the option to take out finance with Barclays Partner Finance. Depending on the retailer, you could have either a ‘buy now, pay later’ deal where payments are deferred for a period of time, or finance over one to ten years, with or without interest.

Managing your borrowing

Our automated service lets you manage your finance 24/7 – just call us to make a payment, or get a balance, statement or settlement figure.

Paying back your finance

We’ll send you a reminder five days before your first payment’s due, then simply set up a Direct Debit for your monthly payments. You’re free to make extra payments whenever you like, too. 

Available payment options

There are three types of finance available and all of our partner retailers offer at least one type. You can choose a payment term of between one and ten years.

Interest-free credit

The purchase price is spread evenly into monthly payments over the term you choose. Your repayments will usually start a month after you’ve made your purchase.

Credit with interest

You’ll make fixed monthly payments for the term of your choice, which will include interest – the rate we offer you will be based on your application, financial circumstances and borrowing history.

Buy now, pay later

Buy today and we’ll defer your payments to a set date, so there’s nothing to pay straight away. With the option to pay back some or all of the finance before your monthly payments start, so you’ll pay less or no interest and settle the finance sooner. 

Instalments for Amazon

Barclays Partner Finance offers Instalments – a convenient, reusable way to spread the cost of your purchases.

Instalments  

Need some help?

If you’d like to talk to us about how partner finance works, or you have an existing loan, get in touch or read our answers to some common questions.