Help on Lloyds
You can now use the Lloyds Help Centre for help and support.
Managing your loan
If you already have a loan with us, we have various ways to help you manage it. If your needs have changed, we’re here to help.
Bank on Lloyds for your next loan
As the Halifax brand is changing to Lloyds, you can no longer apply for a new Halifax loan.
If you're looking for a loan, explore the wide range from Lloyds to find the one that's right for you.
Let’s take a closer look
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You can make extra payments on top of your monthly amount online, or by calling us.
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If you find that you can't keep up with your payments, you should let us know as soon as possible. We'll do what we can to help and offer advice on how to get back on track.
If you’d like further free independent help and advice, check out the Lloyds support guide.
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Yes, you can ask to borrow more at any time, subject to approval.
If you're looking to borrow more, you'll be able to explore this with Lloyds. It's simple to apply to refinance your existing Halifax loan through your Lloyds app or online banking and your application will be assessed using the same lending criteria. Any new loan you take out will be a Lloyds Bank plc loan.
If you want to borrow more to refinance existing debts, you could pay a higher rate of interest or make repayments over a longer term. This could increase the total amount of interest you pay.
You can either take out another loan and pay it back separate to your existing loan or close your existing loan and replace it with a new, larger one. This means you’ll have just one monthly repayment.
Please note that when we work out the amount you need to repay your existing loan in full, we may include up to 58 days’ interest.
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Yes, you can. If you want to settle early, we'll give you a quote. We may also apply an early settlement adjustment to your loan. This means that we may charge up to 58 days' interest on the loan.
You’ll need to call us to make a loan settlement over £25,000. This is because of current account payment restrictions.
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If you've an existing loan account with us, head to Lloyds to find out how to keep your details and settings up-to-date in the app or through online banking.
Moving abroad?
You must be resident in the UK (except for the Channel Islands and the Isle of Man) to be eligible for a Halifax Personal Loan.
If you’ve got a loan account with us but move outside the UK in the future, you must let us know as it may affect your ability to hold the account or the services we can provide. We’ll contact you if we have to close your loan account.
Halifax is part of Lloyds Banking Group. If you have products with other companies within the Group, moving outside the UK may also affect whether you can continue to hold those.
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You can ask for a one month repayment holiday at any time. You'll have the option to apply for up to 2 non-consecutive repayment holidays in a rolling 12-month period, subject to approval.
You won't need to make your usual repayment during your repayment holiday, but we'll still charge daily interest on your loan balance. This means that you'll pay more overall, and your loan’s original term will be extended.
We'll tell you what the additional interest will be before we confirm and start your repayment holiday. You can also use the calculator to get an idea of how much extra interest charges are likely to be before you apply.
If you would like to take a repayment holiday, you'll need to let us know at least 5 working days before your next loan repayment is due.
You can ask for a one-month payment holiday at any time, as long as you are up-to-date with your loan repayments and have 30 days or more remaining on your loan term.
Get set up online
The Halifax brand is changing to Lloyds
If you don’t use online or mobile banking, you can start using the Lloyds app now to see your existing Halifax accounts. Once you’ve downloaded it, you can set it up using your Halifax account details.