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Managing your loan
If you already have a loan with us, we have various ways to help you manage it. If your needs have changed, we’re here to help.
How can we support you?
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If your circumstances have changed and you would like to change the date of your Direct Debit, you can. Repayment dates can't be the 29th, 30th or the 31st of each month. You can also change the account that your Direct Debit is taken from.You can make these changes by;If you have cancelled your Direct Debit, you can reinstate your Direct Debit here.
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If you want to settle early, we'll give you a quote. We may also apply an early settlement adjustment to your loan. This means that we may charge up to 58 days interest on your loan.
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Take a one-month repayment holiday
- A repayment holiday gives you a one-month break from your loan repayments.
- You'll have the option to apply for up to two non-consecutive repayment holidays in a rolling 12-month period (subject to approval).
- You won't need to make your usual repayment during your repayment holiday, but we'll still charge daily interest on your loan balance. This means that you'll pay more overall, and your loan end date will be extended by one month each time.
- We'll tell you what the additional interest will be before we confirm and start your repayment holiday. You can also use the calculator to get an idea of how much extra interest charges are likely to be before you apply.
If you would like to take a repayment holiday, you'll need to let us know at least five working days before your next loan repayment is due.
You can ask for a one-month payment holiday at any time, providing you are up-to-date with your loan repayments and have 30 days or more remaining on your loan term.
You can ask for a repayment holiday by:
- logging onto Online Banking and selecting your loan from the account overview page
- calling us on 0345 604 7292 (8am - 8pm Monday to Friday and 9am - 6pm Saturday and Sunday). Closed Bank Holidays
- visiting your local branch.
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Pay from a current account, in the same way you pay a bill or a person. Please use these payment details:
Account number: 90000468
Sort code: 77-77-90
Reference number: this is your 12-digit loan account number. You can find this on your Online Banking or any letters about your loan you've received from us.
Please note, manual payments won't take the place of your monthly payment. We'll still take your Direct Debit as planned on your usual payment date.
A maximum of £25,000 on payments on your Halifax Online Banking. If you want to make a payment over £25,000 then please contact us over the phone.
