ONLINE LOAN.

Available to all new and existing Halifax customers

Our Online Loan is easy to apply for, even if you don’t bank with us. If you're an existing Halifax current account customer for at least 1 month and you're registered for Online Banking, you could get a quote online and could have the money in minutes.

THE TWIST: You could be one of 10 customers to have their loan paid off in full, each month. Terms and conditions apply. Other borrowing options  are available.


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 Online Loan agreement (PDF)for Halifax current account customers.


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 Online Loan agreement (PDF)
for customers without a Halifax current account.

3.5% APR REPRESENTATIVE FOR LOANS OF £7,500 TO £25,000

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

Online Loan calculator

Remember that to be eligible for an Online Loan greater than £25,000, you must have held a Halifax current account for at least 1 month.
For some loans the illustrative APRs will be higher. Use the calculator to explore the cost of different loan amounts.

Representative Example

You could borrow £6,000 over 48 months with 48 monthly repayments of £150.67. Total amount repayable will be £7,232.16. Representative 9.90% APR, Annual interest rate (fixed) 9.48%.

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

Loan amount illustrative APR

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2yr
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Representative Example

You could borrow £6,000 over 48 months with 48 monthly repayments of £150.67. Total amount repayable will be £7,232.16. Representative 9.90% APR, Annual interest rate (fixed) 9.48%.

Monthly Repayments

£0.0

Total repayable

£0.0

Illustrative

0%
APR

Apply for an Online Loan

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

Continue to application

If our Online Loan isn't right for you, compare our loans to see if our Clarity 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.