Barclays Partner Finance Reviews 

Did the Barclays pay monthly on Amazon and ohhhhh my god! How do you check your instalments and pay it off early if you can't even get on the app! It's so bad like bad bad!

If I had the opportunity to give them zero I would. Totally useless people. Their customer service reps have no idea what they are doing. I’ve asked for a redemption statement twice and twice they’ve sent me an ordinary statement. Plus they originally told me they didn’t have access or ability to email, I questioned which century we were living in. After stating I would make a complaint they sent me an email. Still waiting for a redemption statement which I need for a loan to consolidate my finances.

Still defaulting on the mortgage because I’m waiting for these idiots to send me the right document.

Thanks guys. I’ll send you the bill for the late payment fines shall I??????

How can customers in this day and age not be able to log into an online account to keep track of debt/payments/balances etc with a simple portal to view the total owed or pay the remaining balance. Much similar and convenient finance companies out there, I’ve used Barclays finance before but I won’t be buying an Apple product and use them again.

No option to email or chat online just a phone number not great for people who can't talk on the phone or have hearing issues etc no support whatsoever from them

Absolutely abysmal service.
7 minutes typing in 16 digit codes, to then have to go through to India and someone who can barely speak English on a muffled phone to got through the whole thing again, JUST TO GET A BALANCE!!!!
IT'S THE 21ST CENTURY!!! SOMEONE NEEDS THE SACK!! how can you have a customer portal that is this bad in 2026!

I had a chat with Arvinder from barclays partner finance customer service. He was very good at assisting with all my problems i had very good time chatting with him. Really a good man.

Shambles of a company to deal with. Changes bank accounts a couple of times using the uswitch guaranteed switch service. All my other direct debits get swapped across with no issues. Barclays Partner Finance systems don't be able to understand the switch service that has been around for decades. I keep getting letters saying I have missed a payment. I make payment immediately as there appears to be an issue at their end. This has happened twice now. I have sent them evidence of the direct debit being setup with my new bank, no reply. But I am still getting threatening letters about credit agencies, either staff are incompetent or their systems are not fit for purpose. I would not recommend them and certainly would not consider using Barclays as my current account if they cant get a simple direct debit instruction setup. Avoid, not worth the hassle. Next stop is the financial ombudsman with a complaint about Barclays Partner Finance. Avoid

Unable to pay off finance because cannot even access my account!
Never seen a website like it where it is incapable of having a standard login (username/email & password).
Then go to phone to telephone number and unable to do anything over the phone “please use online service”
How in this day and age is this company this incompetent.
I simply will not be buying an iPhone again for this reason. If I do I will be paying it off in one go!

Opened an Amazon instalment account with Barclays with a £500 limit bought a headlamp for just over £200 with 3 payment of £75 a month payed that off no late or missed payments went on my account with it saying £500 available credit so I went on amazon chose some products for just over £100
Because that is the minimum spend to be able to use the instalment account went to pay only to be declined so spoke to someone online saying they couldn’t do anything I have a very good credit score I literally don’t understand why they offer this to people use it once do everything right no missed or late payments all payed in full go to use it again only to be denied what an absolute joke it’s like they want you to default on payments because that’s probably where they make there money I will be putting a massive complaint somebody will be getting a headache when I’ve finished do your self a favour don’t bother with them look at there rating says it all it’s not fit for purpose update so I rand up to make a complaint after being put on hold for ten minutes the came back and said they would not except a complaint what a joke I because I told them that I gave them one star on trustpilot 0 if I could they have now suspended my account how childish can you get really poor customer service I wasna good customer all for 3 months paid on time please stay away from them I can 💯 say that they are after customer that default what a bunch of crooks

Awful.
Do not use

Shocking System !!!!
I have no idea how their system works but it seems to be all over the place and no one can make up their mind. Despite an excellent Credit rating and a sizeable limit, i make a small purchase and its declined. Call to make complaint and then told to make the purchase again, its accepted ?????
Look elsewhere for a reliable source of credit !!

It is impossible to get through to someone that can help you pay the finance off early

Same as all the previous reviews. Applied for finance for an iPhone as I have done previously with no issues; this time around it has been weirdly declined. Credit rating is excellent and I just received a generic email from Barclays without any specifics. It’s pretty obvious they are only going to lend to people who are likely to default as that’s the only way they’ll make money on 0%. Pretty disgusting to be honest.

After applying to get an iPhone on 0% credit, I got an email requesting to verify my identity. Sadly this has not been possible due to their broken website. I tried different browsers and devices, I either get some questionable "LoginDocSign" file trying to download, or outright error 400.
Given that any issues with their online system means that in the future I might struggle to fulfill my credit obligation I deem this too high risk to proceed. Equally, I would worry my personal information will be leaked soon, given apparent ridiculously bad IT system. Stay away! This is a car-crash waiting to happen with your credit data and money.

Ordered an iPhone 17 Pro Max for pickup at 24 months 0%. Before my application could progress I needed to provide a drivers license. The website to do this showed an error and every time I phoned up they had no idea what to do! Told me my phone was the problem and to try on a friend’s which had the same issue.

They opened a complaint but could not acknowledge a problem or give an eta of a fix.

After 5 phone calls and being told there’s no timeframe of a fix I bought the phone outright and they conveniently lost my complaint.

Stay away from Barclays and this department!

Like many other I have been let down by BPF. I think apple should stop using their service if they have erratic criteria on who gets finance and who does not. I have a fantastic credit history and can afford the phone but they decided to not grant it to me, without giving any proper explanations. I will take this further and report to apple and FCA. Horrible service!
I have heard from Experian credit experts that apparently if they have too many applications close to a new iPhone release they decide to reject applications for no reasons.

My application was declined prior to the launch of new iPhones. Bought my previous one five years ago on 0% through BPF with no issues. Contacted BPF this time to find out reason why seeing I have a good credit score but they would not comment. They advised me to contact Experian who suggested linking my bank account which would increase my credit rating, which I did. So although I can not get a £799 iPhone loan I am now bombarded by Experian saying I can have approval for car loans if I need them, how back to front is this? Having spoken to BPF again that my credit score was good and had received my Experian report two more attempts to get the 0% finance have failed. I have the funds to buy it cash but am like other reviewers on here shocked that my applications have been declined.

I never seem to be successful when buying iphone through Barclays finance. Always gets rejected and my credit scores are excellent. I never understand why they reject me.

Shocking. Declined for no reason.

I’ve been a long term customer of the Barclays Group including BPF loan with Apple. Also a credit card with high limit as well as other credit cards with higher limits. My credit utilisation is around 1-5% a month. All cards paid off in full. Never missed a payment. Two mortgages. Good disposable income each month. I’ve never missed a credit payment.

Yesterday they declined my finance for new iPhone. When I contacted them they said that there was a discrepancy between the income I inputted and what they have on file. Today they emailed me asking to call in to provide further details for my application. I called within the hour but couldn’t get passed customer services who were just saying it had been declined. They’ve put a call back request in which will take up to 5 days, no doubt calling me whilst at work.

Checked my credit files with various credit agencies. All providing me with excellent credit rating. There is no reason for the decline. I don’t actually need the line of credit but at 0% and with additional protections that are provided buying such items on credit it made sense.

Wife was also declined when she applied.

Will update with outcome. Last time this happened with another finance company following months of conversation I discovered that they were a) holding incorrect information about me and b) recorded inaccurate information about me due to my persistence. They got fined for DPA violations and I got compensated.

As I’ve done in many years past, I have purchased my iPhones through Apple and Barclays Partner Finance with no problems except this time as my application was declined, even with a excellent credit score as I’ve never been in debt.
A letter is on the way, asking for reasons why my application was rejected.
(Update) received was that a computer glitch, with their system was to blame.