JOINT LOAN.

Apply for a joint Clarity Loan in branch or over the phone.

Although you can't apply for a joint loan online, you can still manage it with Online Banking, and our mobile and tablet apps. You could still apply online for an Online Loan in your name only.


Our joint loan features.

  • Overpay as much as you want, when you want.
  • No charge to pay off your loan early for Clarity Loan customers. An early settlement adjustment may be made on our other loans.
  • Manage your loan online with Online Banking.

4.1% APR Representative
for loans of £7,500 to £25,000.

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


What you need to know.

  • When you apply for a joint loan, you each agree to pay off the whole debt if the other person doesn't.
  • Once you have a joint loan, your credit files will be linked. If you apply for credit in your own name in the future, a credit search would be able to see the other person’s credit history and take that into account as well as your own.
  • 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.

How to apply.

You can apply for a joint loan in branch or over the phone by calling 0345 724 3444 (Mon-Fri: 8am-10pm, Sat; 9am-6pm, Sun: 09.30am-5.30pm). If you choose to apply in branch, you should call or visit to book an appointment and both applicants will need to be at the appointment.

Find a Branch Call us

Find out how to apply for a Clarity Loan as a single applicant

Find out how to apply for an Online Loan as a single applicant


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.