Go the route that works for you.

Halifax Car Plan Extra gives you 2 deals to choose from. Both can be fully managed online, and there are no extra charges to pay off the finance early.

You borrow against the car you’re buying, so you can get a great rate of 3.4% APR representative when you borrow £7,500–£60,000.

Fixed Car Plan (hire purchase)

“I want to own the car after the last repayment.”


Features and benefits:

  • Fixed monthly repayments
  • You own the car after the last repayment
  • No mileage limit

Bear in mind:

  • You can’t sell the car until the finance is paid off

To help you learn more about Halifax Hire Purchase (HP) please watch the video below.

Watch our video about Hire Purchase (HP)

Flex Car Plan (personal contract purchase)

“I want low repayments and the choice to own the car or return it afterwards.”


Features and benefits:

  • Low fixed monthly repayments
  • Choose to pay a lump sum at the end of the term and own the car, or just return it

Bear in mind:

  • You can’t sell the car until the finance is paid off
  • You’ll agree on an annual mileage limit – extra fees will apply if you exceed it
  • There might be extra fees if you return the car and it’s not in a good condition.

To help you learn more about Halifax Personal Contract Purchase (PCP) please watch the video below.

Watch your video to learn more about Personal Contract Purchase (PCP)

Not sure car finance is right for you?

You could also go for a personal loan to buy the car from the dealer yourself.

Compare Halifax Car Plan Extra with a loan


You can apply if you’re:

  • a Halifax current account holder (minimum 3 months)
  • 18 or over
  • a UK resident
  • registered for Online Banking.

Watch our video on how to apply.

More about car finance

Get up to speed with our handy car finance guides.


Car finance calculator

Enter how much you want to spend and change your term and deposit to find the deal that suits you best.