The Barclaycard personal loan can be used for a variety of ends, although anyone who denies needing some extra cash during the festive season is either lying, or has the surname Hilton.
Any amount from £1,000 to £15,000 can be borrowed and once the application is accepted, funds can be made available within four working days.
Secured loans are also available from Barclaycard, with an overall cost for comparison of 8.4 per cent APR.
Applicants need to have held a mortgage for just over nine months and an annual household income of £20,000 or above. Amounts starting from £15,000 to £100,000 can be borrowed.
Barclaycard also offers a payment protection plan, which offers a refund on premiums after five years if no successful claims have been made.