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 £50,000
  • 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.

How to apply.

You can apply for a joint loan over the phone by calling 0800 068 2377. Lines are open 8am-10pm seven days a week..

Call us

Find out how to apply for a Personal 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.