Already have an unsecured loan with us?

If you're an existing Halifax loan customer, and your needs have changed, you could apply to borrow more money at any time.

You can either:

• Choose to take out a second loan that you will repay separately to your existing loan
• Or, if you would prefer to manage just one monthly repayment, you can close and replace your existing loan with a new larger one.*

The choice is yours.

• Borrow any amount from £1,000 to £25,000
• Choose to keep the amount you repay the same as it is right now by borrowing over a longer term. Or pay a little more and keep your repayment term the same
• Loans available over 1 to 7 years.

 * If you early settle or refinance an existing loan, up to 58 days interest will be added when we calculate the amount needed. If you refinance existing debts you may pay a higher rate of interest or make repayments over a longer term, so, you may pay more interest overall.

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 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 in 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Products and offers are subject to conditions and can be withdrawn without notice.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.

To find out the outstanding balance on your personal loan just call our Customer Services team.  They’ll be able to give you your final settlement figure. 

You can repay your loan in full or part at any time during the repayment period and we'll reduce the charge for credit you've agreed to pay us. *

Call us:

• 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:

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

* If you early settle or refinance an existing loan, up to 58 days interest will be added when we calculate the amount needed. If you refinance existing debts you may pay a higher rate of interest or make repayments over a longer term, so, you may pay more interest overall.

To apply to borrow more, give us a call - we’ll work out how much it will cost you and give you a quick decision.

• 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 are open Monday to Sunday 8am -10pm).

To apply for a loan you must:

• Be an existing Halifax customer with at least one the following Halifax accounts - current account (excluding Easycash), mortgage, savings, credit card or loan
• Be over 18 and either be in paid employment or retired.  Retirees must have an income from a Private or State pension, or (a combination of) both
• 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 if in employment.

If you took a Halifax loan out after 12th September 2011, and are looking to borrow a bit more you can now apply to do this online.