When you`re considering a loan or credit card from Barclays, it`s important to understand who will be providing the credit agreement. As a leading global bank and financial services provider, Barclays works with a range of partners to offer credit to its customers.

Typically, credit agreements from Barclays are provided by their own lending division, Barclays Bank PLC. This is a fully-owned subsidiary of Barclays PLC and holds a banking license from the UK Financial Conduct Authority. Under the Barclays Bank PLC brand, the bank offers a range of credit products including personal loans, credit cards, overdrafts and mortgages.

In addition to providing credit agreements through its own lending division, Barclays also works with a number of third-party providers. This can include specialist lenders and credit card companies who offer products under the Barclays brand. These third-party providers are carefully selected by Barclays to ensure that they meet strict lending criteria and offer customers the same level of service and quality as Barclays itself.

When you apply for a Barclays loan or credit card, the credit agreement will specify who the lender is and who is responsible for providing the credit. If the loan or credit card is provided by a third-party lender, it will still be subject to Barclays` rigorous lending standards and will be backed by the bank`s reputation and financial strength.

Ultimately, the provider of your credit agreement will depend on a number of factors including the type of product you`re applying for and your individual financial circumstances. But whether your credit is provided by Barclays Bank PLC or a third-party lender, you can be confident that you`re working with a reputable and trusted financial institution. And if you have any questions or concerns about your credit agreement, you can always speak to a member of the Barclays team for guidance and support.