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Get a decision on the spot

We’ve made it quick and simple for our current account customers to apply for a personal loan.

If you don't have a current account with us you can still apply for a loan. 

6.6% 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.

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.

Ask to borrow any amount from £1,000 and £50,000

Ask to borrow any amount from £1,000 and £50,000

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

Get a quote in a couple of minutes

Get a quote in a couple of minutes

Sign into Online Banking to get your personal quote. Just tell us how much you'd like and the time you need to pay it back and in most cases, we'll tell you if you're likely to be approved. Your personal quote won’t change when you apply and there is no impact on your credit score. 

Get the money in your account, in a flash

Get the money in your account, in a flash

If we approve your loan you should have the money in your account in a few minutes.

Paying it back – what you need to know

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).
  • Manage  your loan easily online, in branch or by phone.

Sign in to apply

Sign in to apply

If you’ve done your sums and are confident that a personal loan is the right option for you, sign in to apply and you could have the money in your account in a few minutes.

Sign in to apply

Other ways to apply

Other ways to apply

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

Find your nearest branch

Apply over the phone – Call us on 0345 604 7292.

Lines are open 8am – 10pm seven days a week.

Not all Telephone Banking services are available 24 hours a day, seven days a week.

How a loan could help

How a loan could help

Debt consolidation

Buying a car

Home improvements

Wedding loan

Holiday loan

Already have a Halifax loan?

Already have a Halifax loan?

Managing your loan

Find out how to borrow more

Register for Online Banking

Help & guidance

Help & guidance

FAQs

Useful guides

Money worries?

Making sure you get a fair deal

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 £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.

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.