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Take control of your borrowing

If you’ve got lots of borrowing, either with us or different lenders, it can sometimes be tricky to keep track. A personal loan could help you take control, as you’ll have everything in one place with just one interest rate, one fixed monthly payment and one end date.

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Sort out those home improvements

Whether you’re planning something big, like a new kitchen or conservatory, or just need to get those essential smaller jobs done, a personal loan from the Halifax could help you get it sorted.

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Need to borrow more?

Already got a Halifax loan but need a bit more to sort out your finances, buy a new car or make home improvements? You can either add to your existing loan to make a new combined loan, or take out a new one to run alongside your current loan.

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  • A personal loan is a an arrangement to borrow money over a fixed term. The term is agreed for you to pay the loan back in fixed monthly amounts, at a fixed rate of interest. At Halifax we offer personal loan repayment terms of between one and seven years. We work out the terms of the loan agreement based on a number of factors, such as the amount you ask to borrow and your monthly income and outgoings.

  • Personal loans are unsecured, so you're not asked to provide anything as security, such as your home.

  • APR stands for annual percentage rate. You'll see it as a percentage and it tells you how much it’s likely to cost to borrow money over one year.

    It’s not just about the interest you’ll pay. APR factors in both interest and any fees that are automatically charged to your account. This gives you a good idea of the overall cost and is useful if you’re comparing loans or credit cards.

    When you're shopping around for a loan or credit card, the APR (Annual Percentage Rate) helps you to compare options and workout how much they will cost you in total.

    The representative APR you see quoted by Halifax is the rate that most of our customers who take loans between £7,500 - £25,000 will receive.

  • There are many ways you can use a personal loan, however there are exceptions (please see below for a list of these).

    We find that most customers borrow for things like home improvements, such as a new bathroom or kitchen, or a new car. You might need some extra cash to cover an unexpected emergency, like a broken boiler. You could even make your dream holiday a reality.

    In some cases a personal loan can also be a good idea if you're looking to consolidate your existing debts into one easy-to-manage monthly payment.

    We will not lend for:

    • speculative purchases, for example: gambling, investments and share purchases
    • any illegal purposes
    • business related purposes
    • purchase/lease of land or property, either full or part purchase (including deposit)
    • timeshares/holiday clubs

    These limits apply whether you want to borrow money for yourself or to help support someone else. For example, you can't borrow to give a family member a property deposit.