If you are coming to the end of your mortgage, credit card or loan payment holiday, we will contact you before it ends, there is no need to call us. You can use our coronavirus support tool to find the right solution for your needs and confirm what you would like to do in a few simple steps.

Joint loan

Apply for a loan 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. Find out how to apply for a Personal Loan as a single applicant.

Our joint loan features.

  • 3.5% APR representative for loans of £7,500 to £25,000 over 1 to 5 years
  • Overpay as much as you want, when you want
  • You can apply for up to £35,000
  • Manage your loan online with Online Banking.

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
  • If you make an early settlement we will charge you up to 58 days’ interest.

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. If you qualify for a loan we'll tell you the rate that applies when you get your personalised quote. The maximum APR you could be offered is 29.9% APR.

You can apply if both applicants:

  • are Halifax current account customers of at least 1 month (excluding Easycash)
  • are not in full time education
  • are in paid employment or have a regular income
  • are aged 18 or over
  • are a UK resident (excluding the Channel Islands and the Isle of Man)
  • have not have been declined for credit in the last month or have a history of bad credit.

How to apply.

You can apply for a joint loan over the phone by calling 0345 604 7292. Lines are open 8am-10pm seven days a week.

Call us

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

Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.