Need a helping hand to make it happen?

Plan ahead with a loan. Applying only takes around 10 minutes.

3.9% APR Representative on loans between £7,500 and £25,000 over 1 to 5 years. Our loans start at £1,000. Other loan amounts and terms are available, at different rates.

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.

Tell us how much you want to borrow

Ask to borrow any amount from £1,000 to £25,000. The rate we offer you will depend on how much you ask to borrow and how long you need to pay it back. Our best rates are available for amounts over £7,500.

Get a quick decision

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

You can use our loan calculator to get an idea of how much you could borrow and how much the loan might cost. This is an illustration only. To find out your personalised rate, please apply.

Get the money in your bank

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.

Paying it back – what you need to know

  • Make fixed monthly Direct Debit payments until your loan is repaid.
  • No charge for making extra payments.
  • If you choose to pay off your loan in full, earlier than agreed, we’ll charge you up to 58 days’ interest.
  • You can ask for up to two repayment holidays a year (subject to approval).

Ready to apply?

If you’ve done your sums and are confident that a personal loan is the right option for you, we’ll give you an answer in around 10 minutes. 

Apply nowfor a business loan

Personal loan calculator

Before you apply, you can get an idea of how much you could borrow and how much your loan might cost. This is an illustration only. To find out your personalised rate, please apply.

Loan CalculatorThis opens into our online loan calculator tool

Other ways to apply

Apply in branch – our local branch will be happy to help you apply for a loan.

Find your nearest branch

Making sure you get a fair deal

We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.

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. 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.

Loans are provided by Halifax.


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.