Important Information About Loans.

Key information for our Halifax Unsecured Personal Loan
Interest charging information
The interest rate is fixed and guaranteed for the life of the loan.
Repayment information Payment is by direct debit. The payments are monthly until the loan is repaid.
Repayment period  
You can choose to repay your loan over 1 to 7 years.
Amount of loan available 
£1,000 to £50,000.  
Arrangement fee     There is no arrangement fee.
Default fees We may charge you for our other losses or reasonable costs as a result of you breaking the agreement, including the costs of finding, notifying or contacting you and enforcing the agreement.
Early settlement    You can repay your loan in full or in part at any time during the repayment period. There is no early settlement adjustment made on our Clarity Loan. An early settlement adjustment may be made on our other loan products.

All loans are subject to terms and conditions, an example of which can be viewed here for our Online Loan and here for our Clarity Loan. We advise you to read this information fully before applying for a loan. Loans are provided by Halifax. Halifax is a division of Bank of Scotland plc. Registered in Scotland number SC327000. Registered Office: The Mound, Edinburgh, EH1 1YZ.

Written quotations are available on request. All lending is subject to appraisal by the Bank of the applicant's financial status.  To apply, you must be aged at least 18 years and a UK resident (excluding the Channel Islands and the Isle of Man).  APR details are correct at time of publication.  Certain purposes of loan may be excluded or have limited repayment periods; please ring 0345 850 3708 for details.

We charge interest for the complete duration of the loan including the period between the start of your loan and your first repayment.  If you are in breach of your Halifax loan agreement we may take any money you owe us from any other accounts you have with us which have a credit balance, including a joint account providing the conditions allow and there are sufficient funds.

Products and offers are subject to conditions and can be withdrawn without notice.  The rate you are offered will depend on credit assessment procedures, your personal circumstances and other related factors.


Other information


Alternative products may be available by visiting our branches or by telephone. You may now make calls using a textphone on 0800 096 0374.

Information is available in large print, audio and Braille on request. Please call for details.

Telephone calls may be recorded for security purposes and monitored under our quality control procedures.


We subscribe to The Lending Code.

Loans are provided by Halifax. Halifax is a division of Bank of Scotland plc. Registered in Scotland number SC327000. Registered Office: The Mound, Edinburgh, EH1 1YZ.