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Important information about our loans

Key information for our range of Halifax unsecured loans

Information about Halifax unsecured loans

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 £35,000.

Arrangement fee

There is no arrangement fee.

Default fees

If you miss a monthly repayment, your loan will be transferred to our Collections department and we will charge you £25. If you continue to break the agreement you may be subject to further charges.

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. Please note we no longer offer the Clarity Loan product.

All loans are subject to terms and conditions, an example of which can be viewed here for our Personal Loan (PDF). 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Products and offers are subject to conditions and can be withdrawn without notice.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.

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.


Loans are provided by Halifax.