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Get a decision on the spot
Are you an existing Halifax current account holder?
We’ve made it easier for you to apply for a loan.
- Get a quote today with no impact on your credit score.
- You’ll get an instant decision before you apply.
- Find out your personal interest rate upfront.
- The money will usually get transferred to your account the same day.
- One fixed monthly payment taken by Direct Debit on a day of your choice.
Get 6.7% APR representative on loans between £7,500 and £25,000 over one to five years. Other loan amounts and terms are available at different rates.
Don't have a Halifax current account? You can still apply for a loan.
Representative example
You could borrow £10000 over 48 months with 48 monthly repayments of £237.16. Total amount repayable will be £11383.68. Representative 6.7% APR, annual interest rate (fixed) 6.5%.
This representative APR applies to loans of £7,500 to £25,000 over 1 to 5 years. Other terms and loan amounts are available at different rates. If you qualify for a loan we’ll tell you the rate that applies when you get your personalised quote. The maximum APR you could be offered is 29.9% APR.
The representative APR is the rate that at least 51% of customers will get for a loan within the stated amount and term range.
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If you’d prefer to speak to someone, give us a call or pop into your nearest branch.
Let’s take a closer look
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Yes, all of our personal loans are unsecured. This means we don’t ask for anything, such as your home, as security. Rates for unsecured personal loans are worked out on the amount of the loan, the length of the loan, and credit scores.
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You can use a personal loan for most things. You could use it to buy a car, make home improvements or consolidate other debts. It can be for just about anything, but there are some restrictions.
We won’t offer a loan for:
- Speculative purchases, for example: gambling, investments and share purchases.
- Any illegal purposes.
- Business-related purposes.
- Purchase or lease of land or property, either full or part purchase (including deposit).
- Timeshares or holiday clubs.
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Taking out a personal loan is a commitment, so make sure it’s right for you. Depending on what you want to borrow money for, other borrowing options might be more suitable. It’s important to work out the full cost of each option. Check any interest and fees that will be charged.
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