I want to apply for an interest-free buffer of up to £500

This form is to ask for a temporary interest-free amount of up to £500 on your arranged overdraft if you’re finding it difficult to manage your overdraft borrowing. If your arranged overdraft limit is lower than £500, all of it will be interest-free.

If we approve this request the interest-free buffer will be in place until three months from the end of the month in which we approve your application. We’ll text you to confirm the date this temporary change starts and ends.

This is a temporary concession and doesn’t change the conditions of your arranged overdraft. When this period ends, you will go back to being charged interest under the terms of your arranged overdraft agreement.

If you change your account type during this period then the interest-free buffer will end on the date you make that change.

If your account is currently in collections or you have an agreed repayment plan in place, you will already be receiving support and will not able to apply for the temporary interest-free arranged overdraft amount until this has ended. You’ll also not be able to apply for this interest-free buffer if you have a Student account.

If you submit an application this may prevent any further lending on new or existing accounts or products with Lloyds Banking Group, either for the period that the temporary support for your arranged overdraft is in place, or if your application is unsuccessful for 3 months following the application date.

There’s help available

We know talking about money isn’t always easy, but we’re here to help. You can call us on 0345 603 2198 to discuss your borrowing and how we can help with budgeting or other options to support you. Lines are open 8am-8pm every day.

Halifax UK | Overdraft Buffer Form

Please provide the details of the account with the arranged overdraft you want to request the interest free buffer on:

Sort Code

Account Number

If there is another party to this account then only one of you needs to request this temporary interest free amount however you should inform the other parties.

Mobile Number We need you to enter your mobile number so we can let you know whether we have approved this request.

We’ll use this mobile to respond to this request. If this is different from the number we hold for you, and you would like us to use it going forward, please log on to update your details.

Do you have other borrowing with us – like a loan, mortgage or credit card that you are finding difficult to repay?

Yes

Do you expect that the temporary £500 interest free amount will be sufficient to support you in reducing your borrowing?

Yes

We may contact you in future with details of what further support may be available if you’re still finding it difficult to manage your overdraft borrowing. This may include details of other products which may help you manage your finances effectively. Are you happy for us to do this?

Yes

I confirm that I want to request a temporary interest free amount of up to £500 on my arranged overdraft and that all parties to this account have been made aware of this request.

Submit

How we process your personal information

_{Your personal information will be held by Halifax part of the Lloyds Banking Group. More information on the Group can be found here. It is important that you understand how the personal information you give us will be used. Therefore, we strongly advise that you read our full privacy notice or you can ask us for a copy. If you have any questions or require more information about how we use your personal information please contact us.}