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.
3.9% APR Representative for loans of £7,000 to £25,000.
|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 in part at any time during the repayment period. There is no early settlement adjustment made on our Clarity Loan. An early settlement adjustment may be made on our other loan products.|
Written quotations are available on request.
All lending is subject to appraisal by the Bank of the applicant's financial status.
To apply for a loan, you must:
Certain purposes of loan may be excluded or have limited repayment periods; please ring 08458 50 37 08 for details.
The rate you are offered will depend on credit assessment procedures, your personal circumstances and other related factors.
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Products and offers are subject to conditions and can be withdrawn without notice. 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.
If you were accepted for a car loan between 2nd February 2015 and 31st March 2015 and received your loan, you can find out how to redeem your free car washes, MOT test and service in our car loan guide faqs.
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.
In most cases we offer instant decisions, although there may be occasions when we require further information before we can complete your application. 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.
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 settling your loan early for Clarity Loan customers an early settlement adjustment may be made on our other loan products.