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Car Finance
Whether you want to finance your dream car, switch your car finance to us or simply find out more about how car finance works, your journey starts here.
The Halifax brand is changing to Lloyds
You can still apply for Halifax car finance if you're using the Halifax app and online banking. If you've moved to Lloyds, head to Lloyds for car finance.
Halifax and Lloyds are part of the same family of brands. You'll get the same great service from the people you know and trust.
Learn about the brand change and how it affects Halifax car finance.
Find the right car finance option for you
Personal Contract Purchase (PCP)
Make fixed monthly payments over an agreed term. You can make a final payment to own the car when your agreement ends.
- 6.9% APR representative when you borrow between £7,000 and £25,000.
- Borrow between £3,000 and £60,000.
- Lower monthly repayments than Hire Purchase.
- Choose a term between 1 and 4 years.
- Return the car at the end of your term or pay a lump sum to keep it.
Hire Purchase (HP)
Make fixed monthly payments over an agreed term. You own the vehicle when your agreement ends.
- 5.9% APR representative when you borrow between £7,000 and £25,000.
- Borrow between £3,000 and £60,000.
- Fixed monthly payments.
- Choose a term between 1 and 5 years.
- No final lump sum payment and you own the car at the end of your agreement.
Car leasing
Drive away in a brand-new car and simply return it when your contract ends, or switch to another new car.
- It’s like a long-term rental, so there’s no borrowing.
- Choose from thousands of brand-new cars from more than 30 manufacturers.
- Fixed monthly payments.
- Choose a term between 2 and 5 years.
- Return the car when your term ends.
Switch your current car finance to us
Refinance to a better deal with us and pay less each month.
- Switch to a PCP or HP deal.
- Apply online and get a decision in a few minutes.
- Fixed monthly payments.
- Keep your current car.
- Refinance your final balloon payment to us and spread the payments.
Car finance help and guidance
Explore your options
We want to make sure you know about our other borrowing options. Here’s one that might suit you.
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Important legal information
To apply, you must be age 18 or over, a UK resident, hold a current account with us (min 3 months) and registered for Online Banking. We can't refinance cars from existing Bank of Scotland, Halifax or Lloyds Bank car finance customers.
Lending is subject to status and additional affordability checks.