Halifax logo Help Centre Branch Finder Register Sign In Home Loans Loans for our customers Loans for new customers Loan calculator Borrow more Joint Loan More Personal Loans Apply now and get a decision in just 10 minutes. Loans are available from £1,000 and you can select how long you need to pay it back. You can apply for a loan if you’re aged 18 or over and live in the UK (excluding the Channel Islands and the Isle of Man) you’re in paid employment or have a regular income you’re not a full–time student you haven’t had a request for credit declined in the past month you don’t have a history of bad credit, such as bankruptcy or CCJs you are not applying for any of these reasons Lending and rate are subject to our assessment of your circumstances. Learn more about loan eligibility. Why choose Halifax? 3.5% APR Representative on loans between £7,500 and £25,000 over 1 to 5 years. Other loan amounts and terms are available at different rates. Take a repayment holiday You can ask for up to two repayment holidays a year, subject to approval. Interest will still be charged for the months that you don’t make any payments, so you'll pay more interest overall and your original term will be extended. No charge for making extra payments We won’t charge you for paying more than the agreed monthly amount, if you find you have some spare cash. It's quick and easy to apply online, with no paper forms to sign. A bank you can trust We’ve been taking care of our customers for over 160 years, so you know you’re in safe hands. Apply for a Personal Loan It’s quick and easy to apply for a loan, even if you don’t bank with us. I bank with Halifax I don't bank with Halifax Representative example You could borrow £10,000 over 48 months with 48 monthly repayments of £223.32. Total amount repayable will be £10,719.36. Representative 3.5% APR, Annual interest rate (fixed) 3.45%. This representative APR applies to loans of £7,500 to £25,000 over 1 to 5 years. Other terms and loan amounts are available at different rates. If you qualify for a loan we’ll tell you the rate that applies when you get your personalised quote. The maximum APR you could be offered is 29.9% APR. Coronavirus (COVID-19) support We’re with you during this crisis. If your income has been affected by coronavirus, we’re here to support you. Frequently asked questions See all the questions we’re often asked about loans What is a personal loan and how do they work? expandable section What can I use a personal loan for? expandable section Are our loans unsecured? expandable section How does APR for a loan work? expandable section How do the loan repayments work? expandable section How long will it take to receive the loan? expandable section Is a personal loan the right borrowing option for me? expandable section How a loan could help Debt consolidation Buying a car Home improvements Wedding loan Holiday loan Already have a Halifax loan? Managing your loan Find out how to borrow more Register for Online Banking Help & guidance FAQs Your borrowing options Money worries? Set up the Mobile Banking app Join over 5 million of our customers who already use the app. It’s fast, simple and secure. Access to app exclusive features like changing your address. Sign in using fingerprint or Face ID with a compatible device. Step by step guide to setting up the app Making sure you get a fair deal We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board. To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower. Download the statement of responsibilities (PDF 60KB) opens in a new tab. Please note: If you have another type of device or your device is jailbroken or rooted, you can still access Online Banking through your browser. We don't charge you for Mobile Banking but your mobile operator may charge you for certain services (such as downloading or using the app), so please check with them. Services may be affected by phone signal and functionality. The app works on all iPads running the latest iOS. The app is not compatible with some older versions of the operating systems – check the App Store or Google Play for more details. If you have another type of device, you will still be able to access Online Banking through your web browser. Android/Google Play is a trademark of Google Inc. Apple, the Apple logo, Touch ID and Face ID are trademarks of Apple Inc, registered in the U.S. and other countries. App Store is a service mark of Apple Inc. 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. 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