CLARITY LOAN.

Make it happen now with a Clarity Loan.

Whether you're tidying up your finances, making home improvements or need money in an emergency for that broken boiler, if you're an existing Halifax customer and need a flexible way to borrow money, then a personal loan could be the answer. You could have the money in minutes.


Our Clarity Loan features.

  • It takes about 1 minute to get your quote online.
  • Get your quote with no credit searches.
  • If you're approved, you could have the money in your Halifax bank account in minutes - upto 72 hours for other bank accounts.
  • No charge if you make additional payments.
  • Manage your loan online with Online Banking, in branch or over the phone.
  • No charge to pay off your loan early for Clarity Loan customers. An early settlement adjustment may be made on our other loans.

4.4% APR REPRESENTATIVE
FOR LOANS OF £7,500 TO £15,000

Other loan amounts between £1,000 and £25,000 are available at different rates. A decision to offer you a loan is based on your individual circumstances. Loans available from 1 - 7 years.

Clarity Loan calculator


What you need to know.

  • There's no arrangement fee and no fee to pay off a Clarity Loan early.
  • The interest rate is fixed, won't change and is charged for the complete duration of the loan including the period between the start of your loan and your first monthly repayment.
  • There's no charge to make additional payments.
  • Repayments will be monthly and by direct debit until your loan is repaid.
  • If you fail to make your loan repayments we may charge you for our other losses or reasonable costs as a result of you breaking the 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.
  • View an example of our Clarity Loan Agreement (PDF)

 

Representative Example

You could borrow £6,000 over 48 months with 48 monthly repayments of £153.30. Total amount repayable will be £7,358.40. Representative 10.9% APR, Annual interest rate (fixed) 10.39%.

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Representative Example

You could borrow £6,000 over 48 months with 48 monthly repayments of £153.30. Total amount repayable will be £7,358.40. Representative 10.9% APR, Annual interest rate (fixed) 10.39%.

Monthly Repayments

£0.0

Total repayable

£0.0

Illustrative

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APR

How to get your personal quote

You can get your quote for a Clarity Loan online, in branch or over the phone. If you choose to apply in branch, you can call or visit to book an appointment. Written quotations are available on request.

Sign in to get your quote

If you’re not registered for Online Banking you can register now, or apply for the Clarity Loan without signing in.

Don't have a Halifax bank account? Find out how to get a quote and apply if you have a Halifax credit card, mortgage, or loan.

If our Clarity Loan isn't right for you, compare our loans to see if our Online Loan is a better option.

 


We subscribe to The Lending Code.

Loans are provided by Halifax. Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ.