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.

How can we support you?

  • If your circumstances have changed and you would like to change the date of your Direct Debit, you can. Repayment dates can't be the 29th, 30th or the 31st of each month. You can also change the account that your Direct Debit is taken from.
     
    You can make these changes by;
     
    If you have cancelled your Direct Debit, you can reinstate your Direct Debit here.
  • Keep in mind there's no early settlement adjustment on an existing Flexible Loan but there is on the Personal Loan.

    Important information when paying off your loan early

    Depending upon the type of loan you have with us, if you repay your loan in full we will make an early settlement adjustment of up to 58 days' interest.

    This adjustment of interest won't be made if your loan has less than 90 days to run to its original maturity date.

    To get an early settlement quote either:

  • A repayment holiday gives you a 1-month break from your loan repayments.

    You have the option to apply for up to two repayment holidays of  one month in a rolling 12-month period, subject to approval.

    Interest will be charged if you take a repayment holiday. You'll pay more interest overall and your original term will increase.

    You need to inform us at least five working days before your next loan repayment is due for this to be applied to your next payment.

    You can ask for a repayment holiday at any time, providing you:

    • have made at least one repayment, and have a Direct Debit in place
    • are up-to-date with your loan repayments
    • have 30 days or more remaining on your loan term

    To apply for a repayment holiday by either:

  • Pay from a current account, in the same way you pay a bill or a person. Please use these payment details:

    Account number: 90000468

    Sort code: 77-77-90

    Reference number: this is your 12-digit loan account number. You can find this on your Online Banking or any letters about your loan you've received from us.

    Please note, manual payments won't take the place of your monthly payment. We'll still take your Direct Debit as planned on your usual payment date.

    A maximum of £25,000 on payments on your Halifax Online Banking. If you want to make a payment over £25,000 then please contact us over the phone.

Support with the cost of living

With the rising cost of living, it's natural to worry about your money. To help you manage your money, we have some useful tips and tools. 

Help with money worries

Help me manage my money

Borrow more

Eligible to borrow more

You can apply online for extra borrowing. Just tell us how much more money you need to borrow and we’ll give you an instant decision.

You can do this online if:

  • you have a Halifax current account
  • the loan is held in your name only
  • you hold only one existing Halifax loan.

Lending and rate are based on our assessment of your circumstances.

Check your eligibility

Use our loan calculator

See the effects of making extra payments or taking a repayment holiday by using our loan calculator.

Loan calculator

How you can Manage your loan

Mobile Banking app

Join our 7 million app users.

  • Simple and secure sign in.
  • Stay up to date with notifications.
  • Chat to us online.

 

More about our app

QR code to download our Mobile Banking app

Online Banking

Sign in to view or manage your accounts on our website.
 

Sign in now

 

Register for Online Banking

Mobile Banking app

Join our 7 million app users.

  • Simple and secure sign in.
  • Stay up to date with notifications.
  • Chat to us online.

Download app

More about our app

Online Banking

Sign in to view or manage your accounts on our website.

Sign in now

Register for Online Banking

Over the phone

Call us using the app and your registered mobile number. You’ll already be securely signed in, so there's no need to remember any passwords. Plus, as you’ve already selected the type of question, we can get to talk to you much faster.

 

Instead, call us direct by going to our contact page.

Contact us

In Branch

As one of our customers, you’ll be welcome in any of our branches where we’ll be happy to help you with managing your loan.

If you do need to visit us in branch, please check our latest opening hours before you visit.

Find a branch