Car Finance made simple

Step 1. You borrow the money against a car of your choice
Step 2. We’ll pay the dealer directly once you’ve agreed the details.
Step 3. You then repay a fixed amount each month until the end of the agreement.

Why choose Halifax car finance?

  • Fixed monthly payments coming from your Halifax bank account.
  • An online quote within minutes with no credit searches.
  • Complete your application and manage your plans online.

How do I get started?

Who can apply?

You can apply for car finance if you:

  • have held a Halifax Current Account for no less than 3 months
  • live in the UK and are aged 18 or over
  • are registered for Online Banking.

Lending is subject to status and additional affordability checks.

Not registered for Online Banking? Register for Online Banking.

What are my car finance options?

We offer 2 plans. Choose from:

  • fixed monthly payments where you own the car at the end of agreement
  • lower monthly payments with the flexibility to either buy the car at the end of the agreement (by making the lump sum final payment) or just return it (return conditions apply).

How much would it cost?

You can get a great rate of 3.4% APR Representative when you borrow from £7,000 to £25,000. Other lending amounts are available at different rates.

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

Need some extra help?

Our car finance guides

Starting to find car finance confusing? We've created some useful guides to help explain how our car finance works, how to buy a used car and how to keep your car in good condition.

Further help and support

The process of buying a car can be difficult to understand. So we’ve listed the most common questions customers like you ask. Take a look.

Get in touch with us

If you’d like to chat to us about your options and how best we can help, call us on:

0333 202 7967.

Lines are open 9am – 6pm, 7 days a week.

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.