Halifax Personal Loan
Halifax offers personal loans with fixed rates and no fees, available for amounts between £1,000 and £50,000.
Last checked on October 16, 2026. We may earn a commission when you click through.
Halifax Personal Loan
Updated 41 minutes agoAPR Range
3.9–24.9%
Amount
£1k–£50k
Term
12–60 months
Type
personal
You'll be redirected to halifax.co.uk
Our Verdict
Halifax provides a personal loan option with competitive fixed rates, but the maximum APR can be high for those with lower credit ratings. It's borrowers who can secure lower rates.
Best For
Individuals with good credit scores seeking a personal loan for amounts between £1,000 and £50,000.
Watch Out
The maximum APR of 24.9% may result in higher costs for borrowers with less-than-perfect credit.
Pros
- No application fees
- Fixed interest rates
- Quick approval process
- No early repayment fees
- Strong high-street presence
Cons
- High maximum APR of 24.9%
- Eligibility requires good credit
- Income verification needed
- Limited to UK residents
- Potential delays in customer service
Full Review
With an APR range from 3.9% to 24.9%, Halifax's personal loans cater to a broad audience. However, those with less favourable credit may find themselves paying considerably more. The application process is efficient, with approvals often granted in just minutes, which is advantageous for urgent financial needs.
Customer service is generally well-rated, but some users report delays in response times during peak periods. Importantly, there are no hidden fees, making this a transparent option for potential borrowers. The site is user-friendly, allowing for an easy online application.
borrowing, remember that regular income and UK residency are prerequisites. If your credit score is below average, you may want to explore alternative lenders with more favourable rates for your situation. Overall, Halifax's personal loans are those who meet the eligibility criteria and can secure a lower APR.
Who Is This For?
Borrowers in the UK with good credit looking for fixed-rate personal loans for various financial needs.
What Borrowers Say
Many borrowers appreciate the straightforward process and lack of fees, although some express concerns about high interest rates for those with lower credit scores.
Summary
Halifax offers personal loans from £1,000 to £50,000 with terms between 12 and 60 months, featuring fixed APR rates ranging from 3.9% to 24.9%.
About This Loan
Requirements
- UK resident
- 18+
- Regular income
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