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Car Finance
If you're a Halifax current account holder and looking at new finance or to switch your current finance to us, it's simple.
Get started here Car finance
How we can help you finance a car
Buying a car outright can be expensive. We offer a range of options that could get you behind the wheels.
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Get a hire purchase quote
Hire Purchase (HP)
A hire purchase agreement could be right for you, if you
- want to own the car at the end of the agreement
- want fixed monthly payments
- prefer no mileage restrictions
- want no early repayment charges or final lump sum
- like to select a repayment term from 1 - 5 years.
- Once your application is agreed and you’ve signed the legal documents online, we transfer the finance amount direct to the dealership the same day. The money could be in your account in a few hours (usually 2 hours). Payments made after 2.30pm will be received before 12pm the following day.
5.9% APR representative when you borrow between £7,000 and £25,000.
Getting an online quote won't affect your credit score
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Get a car leasing quote today
We now offer car leasing
Get your hands on a brand new car with fixed monthly payments and hand it back at the end of the rental agreement.
- Choose from thousands of brand-new cars from more than 30 manufacturers
- 2-5 year terms available
- No option to own the vehicle
- You set the mileage limit
- Checking your eligibility wont impact your credit score.
Leasing is exclusively provided by Lex Autolease Limited trading as Halifax. Bank of Scotland plc act as a credit broker and not the lender. Halifax is a division of Bank of Scotland plc.
Lex Autolease are one of the UKs biggest leasing companies. They have a fleet of over 270,000 vehicles, including more than 67,000 electric and alternatively-fuelled vehicles.
Personal Contract Purchase (PCP)
A personal contract purchase agreement could be right for you, if you:
- want lower monthly payments when compared to hire purchase
- plan to own the car by making a lump sum final payment or return it in good condition
- want to select your yearly mileage limit, excess mileage charges may apply
- like to select a repayment term from 1 - 4 years.
- Once your application is agreed and you’ve signed the legal documents online, we transfer the finance amount direct to the dealership the same day. The money could be in your account in a few hours (usually 2 hours). Payments made after 2.30pm will be received before 12pm the following day.
7.9% APR representative when you borrow between £7,000 and £25,000.
Getting an online quote won't affect your credit score.
Important information: to apply, you must be age 18 or over, a UK resident, hold a current account with us (min 3 months) and registered for Online Banking. We can't refinance cars from existing Bank of Scotland, Halifax or Lloyds Bank car finance customers.
Lending is subject to status and additional affordability checks.
Get help choosing the best finance option for you
If you're not sure which type of car finance is right for you, why not use our handy comparison tool? Sign in to get started.
See how much HP and PCP could cost
Use our calculator to get an idea of what your monthly payments could be for HP and PCP agreements.
This calculator just shows illustrative amounts. For personalised costs, sign in to get a quote.
How does Halifax Car Finance work?
Whether you're just browsing, or you've found the car you want. Here's what you can expect.
Take a closer look
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If you’d like to speak to someone about your recent car finance application, we’re here to help.Call: 0333 202 7967
Lines are open:
- Monday to Friday, 8.30am – 6pm
- Saturday, 9am – 1pm
- Sunday and Bank Holidays, closed.
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We work with most car dealerships in the United Kingdom. During your car finance application, you’ll be able to search by location or post code for your car dealership.If your preferred car dealership is not available to select, we can usually update it within 24 hours. We will check to make sure the car dealership meets our criteria. You’ll need to complete our quick online form with the details.
Please note: We can't offer car finance for the following traders: Cazoo, Cinch, Motorpoint or private sellers. It may be possible to offer you a personal loan instead to cover the cost of buying the car or your choice.
We work with most car dealerships in the United Kingdom. View our approved dealer list to find out who we work with.
If your preferred car dealership is not available to select, we can usually update it within 24 hours. We will check to make sure the car dealership meets our criteria. You’ll need to complete our quick online form with the details.
Please note: We can't offer car finance for the following traders: Cazoo, Cinch, Motorpoint or private sellers. It may be possible to offer you a personal loan instead to cover the cost of buying the car or your choice.
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If you’re not sure an electric car is right for you, we’ve got more information that could help. -
If car finance is not suitable for your needs, there are other ways to borrow with Halifax.
Have car finance elsewhere? See if you can save with us
You don't need to feel stuck in an expensive contract. See whether refinancing to Halifax could give you a better deal.
Refinance your car
If you already have car finance with another provider, you could switch your car finance and save money.
We offer two different car finance options - Personal Contract purchase (PCP) or Hire Purchase (HP).
Here are some of the benefits of refinancing:
- you could lower your monthly repayments
- spread the cost of a final lump sum payment
- the money is sent directly to the finance provider.
- Once your application is agreed and you’ve signed the legal documents online, we transfer the finance amount direct to your current finance provider the same day. The money could be in your account in a few hours (usually 2 hours). Payments made after 2.30pm will be received before 12pm the following day.
5.9% APR representative when you borrow between £7,000 and £25,000. This is based on our Hire Purchase product.
Getting an online quote won't affect your credit score.
Manage your car finance
Online
Here are some of services you can access online:
- Check your account details, including earlier and upcoming payments
- Change your address, contact details or personal bank account information
- Change your payment date or make payments
- Get a statement or a final settlement figure.
Sign into the car finance portal
Not registered? To register for the service, we’ll need your date of birth, post code and a valid e-mail address. You’ll then be asked to create a secure password.
Over the phone
If you’d prefer to speak to us about your account, we’re happy to help.
Call: 0333 202 7940
Lines are open:
- Monday to Friday, 8:30am – 6pm
- Saturday, 9am – 1pm
- Sunday and Bank Holidays, closed.
Other support
Halifax Car Insurance
Get cover you can rely on with one of our insurance policies. And for added peace of mind you can choose from a range of optional extras.
Get clued up on credit
Confused by credit? Understand more about how credit works, how to improve your score, and how it affects applying for car finance.