No current account with us? No problem

You can still apply for a loan with us. Start by using our eligibility checker to tell us about you. It only takes a few minutes and there's no effect on your credit score

Check if you're eligible to apply.

  • Answer a few questions and find out if you're pre-approved.
  • If pre-approved, you'll get a personalised rate in minutes.

It doesn't affect your credit score.

Personal loan eligibility checker

What do we need to know about you?To help us get to know you a bit better, here's a few things we'll need from you: your personal and contact details, details about your money coming in and going out and your employment details. Don't worry, as long as nothing's changed, there's no need to type these details again if you go on to apply.

Representative example

You could borrow £10,000 over 48 months with 48 monthly repayments of £236.73. Total amount repayable will be £11,363.04 Representative 6.6% APR, Annual interest rate (fixed) 6.41%.

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.

What happens now

Check your eligibility

It only takes minutes to complete our eligibility checker. With it you get:

  • to see if you're pre-approved for a loan.
  • your personal quote.

What do we need to know about you?To help us get to know you a bit better, here's a few things we'll need from you: your personal and contact details, details about your money coming in and going out and your employment details. Don't worry, as long as nothing's changed, there's no need to type these details again if you go on to apply.

Get a quick decision

Go on to apply and you'll get an instant decision.

 

Get the money in your bank

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.

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 check your eligibility?

If you’ve done your sums and are sure a personal loan is right for you, if you're pre-approved, we’ll give you a personalised rate in minutes.

I'm ready to check eligibility

What do we need to know about you?To help us get to know you a bit better, here's a few things we'll need from you: your personal and contact details, details about your money coming in and going out and your employment details. Don't worry, as long as nothing's changed, there's no need to type these details again if you go on to apply.

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 Calculator This opens into our online loan calculator tool

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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.

Download the statement of responsibilities (PDF 60KB)

Loans are provided by Halifax.