Early loan repayment

Early repayment

You can find out the outstanding balance on your loan by calling our Customer Services team for a settlement figure on:

• If your loan starts with 7 / call  08457 24 34 44 (lines open Monday to Friday 8am - 10pm, Saturday and Sunday 8am - 6pm)
• If your loan starts with 84 call  08457 44 44 55 (lines open Monday to Friday 8am -10pm, Saturday and Sunday 8am - 6pm)
• If your loan starts with 100 call 08456 04 72 92 (lines open Monday to Sunday 8am - 10pm).

Alternatively, you can write to us at:

• If your loan starts with 7/ write to Halifax Settlement Department, PO Box 548, Lovell Park, Leeds, LS1 1WU
• If your loan starts with 84 write to Halifax, Charterhall Drive, Chester CH88 3AN
• If your loan starts with 100 write to  Halifax Personal Loans Service Centre, PO Box 43, Peterlee, SR8 2RS.

You can repay your loan in full and part at any time during the repayment period and we'll reduce the charge for credit you've agreed to pay us, taking this reduction into account we, in practice, charge up to 58 days interest.

Can I over pay?

You can repay your loan in part at any time during the repayment period and we'll reduce the charge for credit you've agreed to pay us. Lump sum payments towards your outstanding unsecured loan balance, will not change your monthly repayment amount or the interest rate.  

It will mean the total amount you have to repay is reduced and you will repay your loan earlier.

If you want to make a lump sum payment, please send a cheque payable to 'Halifax' with your name and loan agreement number written on the back of the cheque to:

• If your loan starts with 7/ write to Halifax Settlement Department, PO Box 548, Lovell Park, Leeds, LS1 1WU
• If your loan starts with 84 write to Halifax, Charterhall Drive, Chester CH88 3AN
• If your loan starts with 100 write to Halifax Personal Loans Service Centre, PO Box 43, Peterlee, SR8 2RS.

Finding out the amount left to pay on your secured loan (Further Advance)

If you're already registered for our online service, just add your mortgage on to My accounts, and the balance will be shown on the Account summary screen.

The figure shown is not the final outstanding balance - for an exact figure, call 08456 03 03 52 (lines open Monday to Friday 8am-8pm, Saturday 9am-4pm) and we'll send you one in the post.