Halifax Personal Loan
Halifax personal loans offer fixed rates with no fees. Part of Lloyds Banking Group, with a strong high-street presence and online application process.
Halifax offers competitive personal loan rates with no fees, catering to those seeking a straightforward borrowing solution.
Halifax Personal Loan
Updated 5 minutes agoAPR
3.9–24.9%
Amount
£1,000–£50,000
Term
12–60 mo
Requirements
UK resident
18+
Decision
Minutes
Rate Lock
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Our Verdict
Halifax offers competitive personal loan rates with no fees, catering to those seeking a straightforward borrowing solution.
✅ Best For
This loan is best for UK residents looking for fixed rates and a quick online application process.
⚠️ Watch Out
Potential borrowers should be aware of higher APRs for those with lower credit scores, which may affect affordability.
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About this mortgage
Expert Analysis
Halifax, a well-established name in the UK banking sector, provides personal loans that are appealing due to their fixed rates and lack of fees. With an APR range from 3.9% to 24.9%, the company caters to a broad spectrum of borrowers, but it's crucial to note that individuals with lower credit scores may face the higher end of this range. The loan amounts range from £1,000 to £50,000, which is suitable for various needs, from minor purchases to significant expenses.
Additionally, the application process is streamlined, offering approvals in minutes, making it a convenient choice for those in urgent need of funds. However, it is important for potential borrowers to understand the requirements, including being a UK resident, aged 18 or above, and having a regular income, which may limit accessibility for some. Compared to other providers, Halifax’s fixed rates can be advantageous for budgeting, but individuals should always compare their options to ensure they secure the best deal available. Overall, Halifax personal loans are a solid option for borrowers seeking clarity and simplicity in their lending experience.
Similar options
APR
6.7–36.4%
Term
12–60mo
Monthly
£1k–£25k
Amount
£1k–£25k
APR
5.6–19.9%
Term
12–60mo
Monthly
£1k–£25k
Amount
£1k–£25k
APR
6.1–21.9%
Term
12–60mo
Monthly
£1k–£50k
Amount
£1k–£50k
APR
6.6–19.9%
Term
12–60mo
Monthly
£1k–£35k
Amount
£1k–£35k
APR
5.5–19.9%
Term
12–60mo
Monthly
£1k–£25k
Amount
£1k–£25k
Starling Bank Personal Loan
PersonalStarling current account
18+
UK resident
APR
8.9–24.9%
Term
3–36mo
Monthly
£500–£5k
Amount
£500–£5k
Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.
Similar options
APR
6.7–36.4%
Term
12–60mo
Monthly
£1k–£25k
Amount
£1k–£25k
APR
5.6–19.9%
Term
12–60mo
Monthly
£1k–£25k
Amount
£1k–£25k
APR
6.1–21.9%
Term
12–60mo
Monthly
£1k–£50k
Amount
£1k–£50k
APR
6.6–19.9%
Term
12–60mo
Monthly
£1k–£35k
Amount
£1k–£35k
APR
5.5–19.9%
Term
12–60mo
Monthly
£1k–£25k
Amount
£1k–£25k
Starling Bank Personal Loan
PersonalStarling current account
18+
UK resident
APR
8.9–24.9%
Term
3–36mo
Monthly
£500–£5k
Amount
£500–£5k
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