How it works?

If you have a Halifax current account, in most cases we’ll tell you how much you can borrow and if you’re likely to be approved when you get your quote. This won’t affect your credit score.

I have a Halifax current account

  • You can apply for between £1,000 and £50,000.
  • Choose to make your monthly repayments over 1 to 7 years.
  • Get your quote with no credit searches.
  • It takes about 1 minute to get your personalised quote in online banking.
  • If you’re approved, you should receive the money instantly. In a small number of cases, money will be received up to 72 hours from when the loan documents are signed.

I don’t have a Halifax current account

  • Use the eligibility checker to answer a few quick questions to find out if you’re able to apply for a loan.
  • If approved, get a personalised rate - with no effect on your credit score.
  • It takes only minutes to apply online and get an instant decision.
  • You can apply for between £1,000 and £35,000, with monthly repayments over 1 to 7 years.
  • If we approve your loan, you should have the money in your account within 2 hours. In some cases it may take a bit longer – but no more than 3 working days.