If you are coming to the end of your mortgage, credit card or loan payment holiday, we will contact you before it ends, there is no need to call us. You can use our coronavirus support tool to find the right solution for your needs and confirm what you would like to do in a few simple steps.

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


3.5% 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.

Ask to borrow any amount from £1,000 and £35,000

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 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

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

  • 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

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 applyThjis opens in the same tab

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 £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. 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.