LOAN CALCULATOR.

Are you thinking of buying a new car, doing a spot of DIY or tidying up your borrowing but you are not sure how much to borrow? Use our Personal Loan calculator to help you.

Our loan calculator gives you an idea of monthly payments and APR. To get your personalised rate apply here. This won’t affect your credit score.

The rate you are offered may be different to the rate shown in the loan calculator. That's because it's based on your personal circumstances, how much you want to borrow and how long you want to pay it back.

To borrow more than £25,000, you must have held a Halifax bank account 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. 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.

£
Lower amount
28.9%
19.9%
9.9%
3.5%
5.8%

Loan amount illustrative APR

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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. 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.

Monthly Repayments

£0.0

Total repayable

£0.0

Illustrative

0%
APR

Apply for a Personal Loan

Applying for our Personal Loan is easy and you could get a decision in minutes.

  • 1 to 7 years available when you apply
  • Fixed monthly repayments
  • No charge for additional payments
  • Quick, easy and secure.

Apply now

If you hold a Halifax current account, in most cases we’ll tell you how much you can borrow and if you’re likely to be approved when you get your quote. This won’t affect your credit score.

Apply now

You can apply below by selecting the correct option based on whether or not you have a Halifax current account.


I have a Halifax Current Account

  • You can apply for up to £35,000
  • 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 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.

View an example of our Personal Loan agreement (PDF) for customers without a Halifax current account.

Continue to application

Loans FAQs