Car finance made simple

Step 1. You borrow the money to buy a car of your choice, or to switch existing finance to us.

Step 2. We pay the dealer/current finance provider direct once everything’s agreed.

Step 3. You repay a fixed amount each month until the end of the agreement

Why should I choose Halifax car finance?

  • Fixed monthly repayments
  • Online quotes with no credit searches
  • Complete your application and manage your plans online

How do I get started?

Who can apply?

You’ll need to:

  • hold a Halifax current account (min 3 months)
  • live in the UK and aged 18 or over
  • be registered for Online Banking

Lending is subject to status and additional affordability checks.

Get a personal quote

What are my car finance options?

  • Fixed Car Finance (hire purchase), where you make fixed monthly repayments and own your car at the end
  • Flex Car Finance (personal contract purchase), with low, fixed monthly repayments and either own the car by making a lump sum final payment or return it at the end
Compare options

Looking to refinance?

You could lower your monthly repayments or pay back a lump sum over an affordable term by refinancing your car.







Refinance your car

How much will it cost?

See how much you could repay monthly for the amount you’d like to borrow, using our car finance calculator. 

Work out your repayments

Is buying an EV the right decision for you?

EV technology and charging infrastructure has improved over time and is getting better. So in many cases, making your next car an EV could make sense.

To help you decide, we’ve a suitability tool you can use and details about a key services bundle you could access if you go on to buy an EV.

Find out more about EVs

Need some extra help?

Handy car finance guides

If you find car finance and buying a car confusing, you might find these guides useful.

Help and support

If car finance and buying a car are a bit confusing, take a look at these guides and commonly asked questions.

Get in touch

If you’d like to speak to someone about your Halifax car finance application, we’re here for you.

Call 0333 202 7967. Lines are open from 9am–5pm Monday–Friday, 9am–1pm on Saturdays and closed on Sundays.

Halifax Car Insurance

Get cover you can rely on with one of our insurance policies. And for added peace of mind you can choose from a range of optional extras.

Find out more and get an online quote

Get clued up on credit

Confused by credit? Understand more about how credit works, how to improve your score, and how it affects applying for car finance.

Credit explained

Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.