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You can apply for a loan if

  • you’re aged 18 or over and live in the UK (excluding the Channel Islands and the Isle of Man)
  • you’re in paid employment or have a regular income
  • you’re not a full–time student
  • you haven’t had a request for credit declined in the past month
  • you don’t have a history of bad credit, such as bankruptcy or CCJs
  • you are not applying for any of  these reasonsWe will not lend for: Speculative purchases - for example, gambling, Investments and share purchases, any Illegal purposes, Business related purposes, Purchase or lease of land or property - either full or part purchase (including deposit) and Timeshares or holiday clubs

Lending and rate are subject to our assessment of your circumstances.

Learn more about loan eligibility.

Why choose Halifax?

  • 6.4% APR Representative on loans between £7,500 and £25,000 over 1 to 5 years.
    Other loan amounts and terms are available at different rates.
  • Take a repayment holiday
    You can ask for up to two repayment holidays of one month in a 12 month rolling period, subject to approval. Interest will still be charged for the months that you don’t make any payments, so you'll pay more interest overall and your original term will be extended.
  • No charge for making extra payments
    We won’t charge you for paying more than the agreed monthly amount, if you find you have some spare cash.
  • It's quick and easy to apply online, with no paper forms to sign.
  • A bank you can trust
    We’ve been taking care of our customers for over 160 years, so you know you’re in safe hands.

Start your quote

Before you apply, you can find out if you're pre-approved for a Halifax loan. Answer a couple of questions so we can find the right options for you. 

Do you have a current account with Halifax? 

Are you registered for Online Banking? 

Go back
Get your personalised quote 
 
You could borrow between £1,000 and £50,000 over 1 to 7 years. Sign in to Online Banking and answer a few questions. You can: 
 
  • find out if you're likely to be approved
  • get your personalised quote 
  • have an answer in minutes. 

It won't affect your credit score. 

You'll receive your money straight away if you apply and are approved between 9am and 8:30pm.

Sign in to get your quote

Go back
Check if you're eligible to apply
 
You could borrow between £1,000 and £25,000 over 1 to 7 years. Answer a few questions and you can: 
 
  • find out if you're pre-approved
  • get a personalised rate if you're pre-approved    
  • have an answer in minutes.

It won't affect your credit score. 

You'll receive your money within 2 hours if you apply and are approved between 9am and 8:30pm.

Check your eligibility now

Go back
Check if you're eligible to apply
 
You could borrow between £1,000 and £25,000 over 1 to 7 years. Answer a few questions and you can: 
 
  • find out if you're pre-approved
  • get a personalised rate if you're pre-approved 
  • have an answer in minutes.

It won't affect your credit score. 

You'll receive your money straight away if you apply and are approved between 9am and 8:30pm.

Check your eligibility now

Go back

Representative example

You could borrow £10000 over 48 months with 48 monthly repayments of £235.86. Total amount repayable will be £11321.28. Representative 6.4% APR, annual interest rate (fixed) 6.22%.

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.

Support with the cost of living

With the rising cost of living, it's natural to worry about your money. To help you manage your money, we have some useful tips and tools. 

Help with money worries

Help me manage my money

Support with the cost of living

With the rising cost of living, it's natural to worry about your money. To help you manage your money, we have some useful tips and tools. 

Help with money worries

Help me manage my money

Let’s take a closer look

  • A personal loan is an amount of money you borrow over a set period of time. You pay the loan back in fixed monthly payments, with a fixed interest rate. At Halifax you can take out a loan over between one and seven years. We work out the details of your loan, such as the interest, based on several factors. These include the amount you ask to borrow and your monthly income and outgoings.

    You might like to read:

    What is a personal loan?

    Should I consider a loan, credit card or overdraft?

  • You can use a personal loan for all sorts of things. For example, you could use it to buy a car, make home improvements or consolidate other debts. It can be for just about anything, but there are some restrictions. We can’t lend you money for:

    • Speculative purchases, e.g. 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 support someone else. For example, you can't borrow to give a family member a house deposit.

  • Yes, all of our personal loans are unsecured. This means we don’t ask for anything, such as your home, as security. Rates for unsecured personal loans are worked out on the amount of the loan, the length of the loan, and credit scores.

    You might like to read:

    Secured vs unsecured loans 

  • APR stands for annual percentage rate. You'll see it as a percentage.

    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.

    Representative example

    You could borrow £10000 over 48 months with 48 monthly repayments of £235.86. Total amount repayable will be £11321.28. Representative 6.4% APR, annual interest rate (fixed) 6.22%.

    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.

  • When you apply for a loan, we’ll tell you how much your repayments will be. This is a fixed amount that you will pay back each month until the loan is paid off. It also includes any interest charged. We’ll start taking the payments by Direct Debt the month after you apply – you can choose a date that suits you and change it if you need to.

    You can make extra payments with no charge if you want to. However, if you pay the loan off early, we may charge you up to 58 days’ interest.

    If you miss a repayment, you will be charged £25. If you continue to miss repayments, you may be charged further.

  • If you have a Halifax bank account

    If you’re approved, you could have the money in your Halifax account in minutes.

    If you don’t have a Halifax bank account

    If you’re approved for a loan you should have the money in your account within 2 hours. Sometimes it may take a bit longer - but no more than 3 working days.

  • Taking out a personal loan is a commitment, so it’s important to make sure it’s right for you. Depending on what you want to borrow money for, other borrowing options might be more suitable, such as a credit card or overdraft. It’s important to work out the full cost of each option by looking at any interest and fees that will be charged.

    Learn more about the different borrowing options available.

See all the questions we’re often asked about loans

What could a Halifax Personal loan be used for:

Debt consolidation

By bringing all your existing debt together in one place, you could get on track to becoming debt-free.

Debt consolidation

Buying a car

Whether you're looking for new or old, a car loan could help.

Buying a car

Home improvements

A big redesign or a small makeover, a home improvement loan could help to make it happen.

Home improvements

Wedding loan

We can help make budgeting for your special day a little bit easier.

Wedding loan

Holiday loan

Whatever plans you have, a holiday loan could help you have the trip of a lifetime.

Holiday loan

Energy efficient improvements

Create the energy efficient home you've always dreamed of.

Energy efficient improvements

Get clued up on credit

Confused by credit? Understand more about how credit works, how to improve your score, and how it affects applying for a loan.

Credit explained

Already have a Halifax loan?

Managing your loan

Make extra payments

Early settlement

Apply for a repayment holiday

Find out how to borrow more

Register for Online Banking

Help & guidance

Your borrowing options

Money worries?

Personal loans help & guidance

 

Mobile banking app

Join our 8 million app users.

  • Simple and secure login.
  • Stay up to date with notifications.
  • Chat to us online.
More about our app

Mobile banking app

Join our 8 million app users.

  • Simple and secure login.
  • Stay up to date with notifications.
  • Chat to us online.

Download app

Please note: If you have another type of device or your device is jailbroken or rooted, you can still access Online Banking through your browser.

We don't charge you for Mobile Banking but your mobile operator may charge you for certain services (such as downloading or using the app), so please check with them. Services may be affected by phone signal and functionality. The app works on all iPads running the latest iOS. The app is not compatible with some older versions of the operating systems – check the App Store or Google Play for more details. If you have another type of device, you will still be able to access Online Banking through your web browser.

Android/Google Play is a trademark of Google Inc. Apple, the Apple logo, Touch ID and Face ID are trademarks of Apple Inc, registered in the U.S. and other countries. App Store is a service mark of Apple Inc.