Halifax Personal Loan

You can apply for up to £25,000

If we approve your loan you should have the money in your account within 24 hours. In some cases it may take a bit longer to have the money in your account - but no more than 5 working days.

3.9% APR Representative on loans between £7,500 and £25,000 over 1 to 5 years.

Apply nowfor a personal loan.

Loan calculator

Get an illustrative quote using the calculator below. This is only a representative example and may be different to your personal rate.
    

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Representative example

You could borrow £10,000 over 48 months with 48 monthly repayments of £225.04. Total amount repayable will be £10,801.92. Representative 3.9% APR, annual interest rate (fixed) 3.83%.

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. The maximum APR you could be offered is 29.9% APR.

The representative APR is the rate that at least 51% of people are expected to receive when taking out a loan within the stated amount and term range.

Make it happen with a Halifax Personal Loan

It only takes about 10 minutes to apply online and get a decision.

If we approve your loan you should have the money in your account within 24 hours.

In some cases it may take a bit longer to have the money in your account - but no more than 5 working days.

No charge if you make extra payments.

You can also settle your loan early. If you do, we will charge up to 58 days interest.

Apply for up to two repayment holidays a year.

This will extend the term of your loan, so you'll pay more interest overall.

Keep in mind that personal loans can't be used for buying land or property.

Ready to apply?

To get the money to you, we'll need to confirm your identity.

We might ask you to send us a picture of your UK passport or UK driving licence (with photo). You may also need to have your smartphone, a pen and some paper to hand.

It only takes about 10 minutes to apply online.

Apply nowfor a personal loan.

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.