Personal Loan

Get started with a Personal Loan from the Halifax

Whether you're tidying up your finances, making home improvements or need money in an emergency for that broken boiler, our Personal Loan could be the answer.

Personal Loan calculator

Our Personal Loan calculator will help you gain a better understanding of how much you could borrow and how much your repayments might be. Whilst this calculator will give an indication of monthly payments and APR, you can find out your personalised rate by applying.

The rate you're offered may differ from the illustrative APR shown – and will be based on your personal circumstances, the loan amount and the repayment term.

Remember that to be eligible for an Personal Loan greater than £25,000, you must have held a Halifax current account for at least 1 month.

Representative Example

You could borrow £10,000 over 48 months with 48 monthly repayments of £223.32. Total amount repayable will be £10,719.36. Representative 3.5% APR, Annual interest rate (fixed) 3.45%.

 

This representative APR applies to loans of £7,500 to £25,000 over 1 to 5 years. Other terms and loan amounts are available at different rates. The maximum APR you could be offered is 29.9% APR.

 

The representative APR is the rate that at least 51% of people are expected to receive when taking out a loan within the stated amount and term range.

£
Lower amount
28.9%
18.9%
9.9%
3.5%
5.8%
6.8%

Loan amount illustrative APR

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Representative Example

You could borrow £10,000 over 48 months with 48 monthly repayments of £223.32. Total amount repayable will be £10,719.36. Representative 3.5% APR, Annual interest rate (fixed) 3.45%.

 

This representative APR applies to loans of £7,500 to £25,000 over 1 to 5 years. Other terms and loan amounts are available at different rates. The maximum APR you could be offered is 29.9% APR.

 

The representative APR is the rate that at least 51% of people are expected to receive when taking out a loan within the stated amount and term range.

Monthly Repayments

£0.0

Total repayable

£0.0

Illustrative

0%
APR

Apply for a Personal Loan

Applying for our Personal Loan is easy and you could get a decision in minutes.

  • 1 to 7 years available when you apply
  • Fixed monthly repayments
  • No charge for additional payments
  • Quick, easy and secure.

How to apply

How to apply

You can apply below by selecting the correct option based on whether or not you have a Halifax current account.


I have a Halifax Current Account

  • You can apply for up to £50,000
  • It takes about 1 minute to get your quote in Online Banking
  • Get your quote with no credit searches
  • If you’re approved, you could have the money in your Halifax current account in minutes.

View an example of our Personal Loan agreement (PDF) for Halifax current account customers.

Continue to application


I don’t have a Halifax Current Account

  • You can apply for up to £25,000
  • It takes about 10 minutes to apply online and get a decision
  • If you’re approved, you should have the money in your chosen account within 5 working days.

View an example of our Personal Loan agreement (PDF) for customers without a Halifax current account.

Continue to application

If our Personal Loan isn't right for you consider our other borrowing options.


Other ways to apply

In branch

Your local branch will be happy to help you apply for our Personal Loan. We'll usually be able to give you an answer and transfer the money into your account the same day.

Find your nearest branch

Over the phone

If you hold a Halifax Current Account, call us on 0800 068 2377.

If you have a credit card, mortgage or existing loan with us, call us on 0800 056 7268.

Lines are open 8am–10pm seven days a week.

Looking to apply for a joint loan?

Making sure you get a fair deal

We want you to find a product that’s right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details what’s expected of us, the lender and you the borrower.

Download the statement of responsibilities.


Loans are provided by Halifax. Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ.