Halifax Personal Loan.

    Online Loan

    3.5% APR representative on loans between £7,500 and £25,000 over 1 to 5 years

    Lending and rate are subject to status.

    Sign in to use our Personal Loan Calculator

    If you are not registered for Online banking you can register now.

    Personal Loan Features

    • You can apply from £1,000 to £50,000 over 1 – 7 years
    • It only takes about 1 minute to get your quote online
    • Get your quote with no credit searches
    • If approved, you could have the money in your Halifax bank account in minutes
    • No charge if you make additional payments.

    How to get your personal quote

    To get a quote and apply online for our Personal Loan you must:

    1. be registered for Halifax Online Banking
    2. have a Halifax bank account held for at least one month.

    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:

    • you're a UK resident (excluding the Channel Islands and the Isle of Man)
    • you're in paid employment or have a regular income
    • you're aged 18 or over
    • you're not in full time education
    • you've not been declined for credit in the last month or have a history of bad credit.

    What you need to know

    • If you make an early settlement we will charge you up to 58 days’ interest
    • 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 payment
    • There’s no charge to make additional monthly 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.

    Sign in to get your quote

    If our Personal Loan isn’t right for you, consider our other borrowing options.