Halifax car plan extra


How does car finance work with Halifax?

When you buy a new or used car on finance, you borrow the money against the car. That means you can get a great rate of 3.4% APR representative when you borrow £7,000–£25,000.

Unlike a personal loan, we’ll pay the dealer directly once you’ve agreed all the details. Then you repay a fixed amount each month until the end of the plan.

We can sort out most cars on finance and cover the majority of UK dealers.


What are my car finance options?

Halifax Car Plan Extra gives you 2 deals to choose from:

Fixed Car Plan (hire purchase), where you make fixed monthly repayments and own your car at the end of the term.

Flex Car Plan (personal contract purchase), with low fixed monthly repayments and the choice to either own the car by paying a final lump sum, or just return it (return conditions apply).

Compare our car finance deals


You can apply if you’re:

  • a Halifax current account holder (minimum 3 months)
  • 18 or over
  • a UK resident
  • registered for Online Banking.

Watch our video on how to apply for car finance.

Credit is subject to status and additional affordability checks.

More about car finance

Get up to speed with our handy car finance guides.


Car finance calculator

Enter how much you want to spend and change your term and deposit to find the deal that suits you best.

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.