Personal Loan.


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

    Continue to application


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

    Continue to application

    3.5% APR representative for loans of £7,500 to £25,000 over 1 to 5 years

    You can apply if:

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

    Bear in mind:

    • No charge if you make additional payments
    • If you make an early settlement we will charge you up to 58 days’ interest
    • Make fixed monthly repayments by direct debit until your loan is repaid.

    Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ.