Ending your finance early

If you change your mind, you can withdraw from the finance within 14 days starting the day after you sign the agreement – or when we confirm to you in writing that you've entered into the agreement, if this is later.

To withdraw from your finance get in touch on 0800 15 22 888 * or write to us at: Barclays Partner Finance, PO Box 2501, Cardiff, CF23 0FP. Our opening hours are Monday to Saturday 09:00 – 18:00.

If you withdraw from the finance and we've already paid the retailer for the goods/services, you'll have to repay the value of the goods/services (plus any services or insurance) to us. You need to do this within 30 days of the date you asked to withdraw from the finance, and we won't charge you interest or other charges during that time. If you don't pay all amounts due in full, the finance will continue. However, if you do the goods will belong to you.

No. If you withdraw from the finance your purchase from the retailer is not also withdrawn/cancelled. You will need to pay for the goods/services or contact the retailer directly to cancel your purchase (if possible).

If you’re still not happy with how things turn out, get in touch with our team on 0800 15 22 888 * and we'll see how we can help. Our opening hours are Monday to Saturday 09:00 – 18:00 

You can pay off your finance in full at any time. Once your cooling off (right to withdraw) period has passed you can get in touch with us to request a settlement amount, so you know exactly how much you still need to pay. Your settlement amount will remain valid for up to 28 days.

Please ensure you do not cancel your Direct Debit or other monthly payment method until your account is fully paid as your account may fall into arrears. We’ll stop taking Direct Debit payments once your finance is fully paid and if you inadvertently make any over-payments, we will refund these automatically to the account they were made from.

You can also make one-off or regular additional payments on top of your scheduled Direct Debit if you like. To discuss any of these options in more detail please, get in touch with us on 0800 15 22 888 *. Our opening hours are Monday to Saturday 09:00 – 18:00.

When we calculate a settlement amount, we add on 1 month and 28 days' interest. This settlement amount is valid for 28 days and during this period the interest on your account is frozen.

Please ensure you do not cancel your Direct Debit or other monthly payment method until your account is fully paid as your account may fall into arrears. We’ll stop taking Direct Debit payments once your finance is fully paid and if you inadvertently make any over-payments, we will refund these automatically to the account they were made from.

If you don't pay the settlement amount within this timeframe, the full interest charge (as shown in the settlement breakdown notes) will be added to your balance.

The interest you pay as part of your settlement amount may differ depending on the type of finance you have. To discuss your individual account(s) give us a call on 0800 15 22 888 *. Our opening hours are Monday to Saturday 09:00 – 18:00.

If you've made an overpayment via Direct Debit, once the Direct Debit has cleared, we'll refund this back to the account that payments are made from.  Direct Debit payments can take up to 10 days to clear. The Direct Debit will need to remain active and in place for us to refund you in this way therefore, please do not cancel your Direct Debit until the refund is back into your account.

If you've overpaid through a manual payment, such as a standing order, card or cheque payment, please get in touch with us on 0800 15 22 888 *. Our opening hours are Monday to Saturday 09:00 – 18:00.

You're legally entitled to request voluntary termination at any point. If you decide to return your car to your finance provider, you can request this by filling out one of our voluntary termination documents or by writing to us with the relevant information, please see your credit agreement for what is required.

Looking to voluntary termination to upgrade or as part of a new car purchase?

Contact us on 0800 15 22 888 *. 

Exploring voluntary termination due to financial difficulties, or to reduce your monthly costs?

Contact our Barclays Financial Assistance team on 0800 16 15 260 * (landline) / 0333 202 7894 (mobile). Our opening hours are Monday to Friday 09:00 – 17:00 and Saturday 09:00 – 13:00.

If you've received notice from us that we have terminated your motor finance, you can surrender the car voluntarily and avoid legal costs. However, to do this you'll need to contact our Financial Assistance team on 0800 16 15 260 * (landline) / 0333 202 7894 (mobile) within three working days of receiving the termination letter. BFA opening hours Monday to Friday 08:00 – 20:00 Saturday 09:00 – 15:00, closed Sundays and Public Holiday’s.

If you return the car to us, it must be in a reasonable condition with the full set of keys and any documentation related to the car.

It's your responsibility to inform the DVLA, once the car has been repossessed, that you're no longer the registered keeper of the car.

We don't automatically send confirmation when your finance has been paid in full.

If you want either digital or written confirmation, please get in touch with us on 0800 15 22 888 *.

No. We'll stop taking Direct Debit payments once your finance is paid in full.

If you settle your account manually, via a Debit Card, Bank Transfer or Cheque, your next Direct Debit may already be pending. In this event, you'll have to contact your current account provider, they may be able to stop the payment. If they can’t, we'll refund any overpayments back to the account that payments are made from once the Direct Debit has cleared. Direct Debit payments can take up to 10 days to clear. The Direct Debit will need to remain active and in place for us to refund you in this way therefore, please do not cancel your Direct Debit until the refund is back into your account.