Unsecured personal loans for other amounts
Overview
If you're an existing Halifax customer and need a flexible way to borrow some money, then get a quick quote to see if our personal loans could be the answer.
Use our loan calculator on the right to quickly see how much you can afford to borrow.
- Personal loan amounts from £1,000 to £25,000
- Overpay as much as you want, when you want and we'll recalculate your interest*
- Repay over 1 to 7 years
- Affordable repayments fixed for the life of your loan
- Quick and easy application process with an instant unsecured loan decision
- Secure online application process.
Are you already an existing loan customer?
Important information
| Key information for our Halifax Unsecured Personal Loan | |||||
| Interest charging information | The interest rate is fixed and guaranteed for the life of the loan. | ||||
| Repayment information | Payment is by direct debit. The payments are monthly until the loan is repaid. | ||||
| Repayment period | You can choose to repay your loan over 1 to 7 years. | ||||
| Amount of loan available | Loans are available to existing customers from £1,000 to £25,000. | ||||
| Arrangement fee | There is no arrangement fee. | ||||
| Default fees | We may charge you for our other losses or reasonable costs as a result of you breaking the agreement, including the costs of finding, notifying or contacting you and enforcing the agreement. | ||||
| Early settlement |
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. If you pay off your loan in full before the end of the agreed term, you will be charged up to 58 days' interest. |
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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.
Lending Criteria
Please make sure you meet the criteria below before apply for a Halifax Personal Loan:
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
- 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
Apply
You can apply for a Halifax Unsecured Loan online 24/7. Our secure application form takes about five minutes to complete and we'll give you a quick decision on your application.
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Not registered for Online Banking or looking for a joint loan?
