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.
Last checked on May 18, 2026. We may earn a commission when you click through.
Halifax offers competitive fixed rates with no fees, making it a solid choice for personal loans.
Halifax Personal Loan
Updated 2 hours agoAt a Glance
Representative APR
3.9–24.9%
Loan Amount
£1,000–£50,000
Term
12–60 mo
Decision
Minutes
Eligibility Requirements
About this 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.
Our Verdict
Halifax offers competitive fixed rates with no fees, making it a solid choice for personal loans.
Best For
This loan is best for UK residents seeking flexible terms and a straightforward application process.
Watch Out
Be aware that APRs range from 3.9% to 24.9%, which may not suit all credit profiles.
What Customers Say
Borrowers generally report positive experiences, appreciating the quick application and clear terms.
Expert Analysis
If you require a personal loan, Halifax provides fixed rates starting at 3.9% APR, catering to amounts from £1,000 to £50,000. This lender has the advantage of no hidden fees, allowing for transparent budgeting.
The application process is notably quick, with approvals often granted within minutes. However, eligibility is restricted to UK residents aged 18 and over with a regular income, which may limit options for some applicants.
Compared to alternatives like Zopa or Ratesetter, Halifax’s rates can be competitive, particularly for those with higher credit scores. That said, the maximum APR of 24.9% can be steep for borrowers with lower credit ratings.
Customer service reputation is generally strong, reflecting the company's established presence in the high street. Users appreciate the ease of the online application but should ensure they meet all qualifying criteria before applying.
You'll be redirected to halifax.co.uk
Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.
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