Coronavirus (COVID-19) support

We’re with you during this crisis. If your income has been affected by coronavirus, you may wish to take a loan repayment holiday. Ask to have a repayment holiday.

Can I apply?

You can apply for a loan if:

  • You’re aged 18 or over and live in the UK (excluding the Channel Islands and the Isle of Man).
  • You’re in paid employment or have a regular income.
  • You’re not a full–time student.
  • You haven’t had a request for credit declined in the past month.
  • You don’t have a history of bad credit, such as bankruptcy or CCJs.
  • You are not applying for any of these reasons.

Why choose Halifax?

Take a repayment holiday, if you need a break –
Subject to approval, you can ask for up to two repayment holidays a year. Interest will still be charged for the months that you don’t make any payments, so you'll pay more interest overall and your original term will be extended.

No charge for making extra payments –
If you find you have a little cash spare from time to time, we won’t charge you for paying more than the agreed monthly amount.

No paperwork, no fuss –
It’s quick and easy to apply online, with no paper forms to complete or sign.

A bank you can trust –
We’ve been taking care of our customers for over 160 years, so you know you’re in safe hands.

How do I apply?

It’s quick and easy to ask us for a loan, even if you don’t bank with us.

I bank with Halifax

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Your questions answered

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 (PDF).

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.