Make it happen now with a Clarity Loan. The Clarity Loan is only available in branch.

Whether you're tidying up your finances, making home improvements or need money in an emergency for that broken boiler, if you're an existing Halifax customer and need a flexible way to borrow money, then a personal loan could be the answer.

And now our Clarity loan comes with a twist! Customers that take out a loan between 30th April and 31st July will be entered into 1 of 3 monthly prize draws, where 10 customers per month will win their loan back! The prize draws will take place in June, July and August.

Lending is subject to our assessment of your circumstances. This offer is available to UK residents aged 18+ (excluding Northern Ireland)

Other borrowing options  are available.

Our Clarity Loan features.

  • Get your quote with no credit searches
  • Only available in branch
  • No charge if you make additional payments
  • Manage your loan online with Online Banking, in branch or over the phone
  • No charge to pay off your loan early for Clarity Loan customers. An early settlement adjustment may be made on our other loans.

4.1% APR representative for loans of £7,500 to £25,000 over 1 to 5 years

Other loan amounts between £1,000 to £50,000 are available at different rates. A decision to offer you a loan is based on your individual circumstances. Loans available from 1 to 7 years.

For some loans the illustrative APRs will be higher. Use the calculator to explore the cost of different loan amounts.

What you need to know.

  • There's no arrangement fee and no fee to pay off a Clarity Loan early.
  • The interest rate is fixed, won't change and is charged for the complete duration of the loan including the period between the start of your loan and your first monthly repayment.
  • There's no charge to make additional payments.
  • Repayments will be monthly and by direct debit until your loan is repaid.
  • If you fail to make your loan repayments we may charge you for our other losses or reasonable costs as a result of you breaking the agreement. We may take any money you owe us from any other accounts you have with us which have a credit balance, including a joint account providing the conditions allow and there are sufficient funds.
  • View an example of our Clarity Loan Agreement (PDF)


Clarity Loan calculator

Representative Example

You could borrow £6,000 over 48 months with 48 monthly repayments of £153.30. Total amount repayable will be £7,358.40. Representative 10.90% APR, Annual interest rate (fixed) 10.39%.

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Representative Example

You could borrow £6,000 over 48 months with 48 monthly repayments of £153.30. Total amount repayable will be £7,358.40. Representative 10.90% APR, Annual interest rate (fixed) 10.39%.

Monthly Repayments


Total repayable




How to get your personal quote

You can get a quote for a Clarity loan in branch. If you choose to apply in branch you can call or visit to book an appointment. Written quotations available on request.

If our Clarity Loan isn't right for you, compare our loans to see if our Personal Loan could be a better option or consider our other borrowing options.

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.