A car loan that helps to get you on the road quickly

Buying a new car is a big decision - you want to do all you can to make sure you get
the right car. We've put together some of the things you'll want to consider to make
sure you're happy with your car and it has all the features that are important to you.

1. Our guide to buying a car

Ready to apply for your loan?

Don't have a current account or looking for a joint loan? Apply now.

All loans are subject to regulations and conditions. The legal information relating to these regulations and conditions can be viewed from here. We advise you to read this information fully before applying for a loan. Loans are provided by Halifax.
Halifax is a division of Bank of Scotland plc. Registered in Scotland number
SC327000. Registered Office: The Mound, Edinburgh, EH1 1YZ.

Written quotations are available on request. All lending is subject to appraisal by the Bank of the applicant's financial status. To apply, you must be at least 18 years old and a UK resident (excluding the Channel Islands and the Isle of Man). APR details are correct at time of publication. Certain purposes of loan may be excluded or have limited repayment periods; please ring 08458 50 37 08 for details.

We charge interest for the complete duration of the loan including the period between the start of your loan and your first monthly repayment. If you are in breach of your Halifax loan agreement we may take any money you owe us from any other accounts you have with us which have a credit balance, including a joint account providing the conditions allow and there are sufficient funds.

Products and offers are subject to conditions and can be withdrawn without notice.
The rate you are offered will depend on credit assessment procedures, your
personal circumstances and other related factors.

Other information

Alternative products may be available by visiting our branches or by telephone. You
may now make calls using a textphone on 0800 096 0374.

Information is available in large print, audio and Braille on request. Please call for details.

If you apply by any other method, the rate and other details of the loans available
may differ from those shown.

Telephone calls may be recorded for security purposes and monitored under our
quality control procedures

Please make sure you meet the criteria below before you apply for a Halifax Personal Loan:

To apply for a loan you must:

• Be an existing Halifax customer with at least one of the following Halifax accounts -
  current account (excluding Easycash), mortgage, savings, credit card or loan
• Be over 18 years old
• Be in paid employment
• Not be in full time education
• Have a bank/building society account
• Have a permanent UK address
• Not have been declined for credit in the last month
• Not have a history of bad credit such as arrears, county court judgements (CCJs),
  default or bankruptcy

You will also need handy:

• Your address details including your post code for the past 3 years. And if this is a joint application your partner's address details, if different
• Your bank/building society details
• Your annual income and monthly outgoings such as rent or mortgage payments
• Your employer's name and address

Ready to apply for your loan?

Don't have a current account or looking for a joint loan? Apply now.

How quickly can I get the money?

For most customers who have a Halifax bank account and are registered for Online Banking we can put the money into your account the instant you are approved.

For customers who don’t use Online Banking or are applying for an additional loan online, funds can be transferred to a Halifax or Bank of Scotland account within 48 hours from when signed loan documents are received before 2pm. Documents received after 2pm could take up to 72 hours.

For customers that don’t have a Halifax or Bank of Scotland bank account, funds can be transferred to another bank account within five days from receipt of signed loan documentation.

What does “Representative APR” mean?

The Representative Annual Percentage Rate (APR) is the rate that at least 51% of our customers get when applying for a loan on this web site. Actual rates may vary depending on personal circumstances and we'll let you know your personal loan rate during the application process.

Can I repay my loan early?

You can repay any amount off your loan at any time during the repayment period and we'll
recalculate your balance and term.

Please note that while we don't charge for partial repayments, if you pay off your loan in full before the end of your term, when we work out the amount needed we may include up to 58 days interest for closing it early.

I recently applied for a car loan which included a fuel voucher. When can I expect to receive my fuel card?

You can expect to receive your fuel card around the time of making your first loan repayment, so around 4 weeks after completing your loan application.

I recently applied for a car loan which included a fuel voucher. What shall I do if I haven't received my fuel card?

Please contact our fuel card supplier CorporatePay on 0845 200 3787.

I recently applied for a car loan which included a fuel voucher. Once I receive my fuel card, who should I contact with queries about its use or to check the balance remaining?

Please contact our fuel card supplier CorporatePay on 0845 200 3787.

Ready to apply for your loan?

Don't have a current account or looking for a joint loan? Apply now.