Halifax Loan
Full product details for the Halifax Loan, including loan details, application criteria, rates, suitability, fee & charges, example costs, facilities, restrictions and incentives.
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Halifax Loan Features & Benefits
| Representative Example | The representative APR is 8.8% (fixed) so if you borrow £10,000 over 4 years at a rate of 8.8% p.a. (fixed) you will repay £249.80 per month & £11,990.40 in total. | |
| Loan Type | Unsecured | |
| Minimum Loan | £7,000 | The minimum advance is £7000. |
| Maximum Loan | £15,000 | The maximum advance is £15000. |
| Minimum Loan Term | 1 year | The minimum loan term is 12 months. |
| Maximum Loan Term | 7 years | The maximum loan term is 84months. |
| Headline Representative APR | 8.8% | 8.8 |
| Headline Representative Loan Amount | £7,000 to £15,000 | |
| Early Repayment Charge | 58 days | The early redemption charge is equivalent of 58 days interest. |
| Deferred Start | 1 month | |
| Debt Consolidation | yes | Debt consolidation allowed. |
| Express Delivery | yes | Express delivery/transfer available. If borrowers choose the optional courier service to receive their loan agreements, £70 will be payable one month before the first repayment. Funds are transferred upon receipt of signed loan documentation. Loan funds are transferred to halifax current account within 24 hours. Transfers to other bank accounts can take up to 3 days to clear from date of transfer. |
| Credit Rating | good | Most suited to individuals who have an average income and a recent credit history free from credit defaults, arrears, CCJs or missed payments. The majority of applicants can be described as having a good credit rating. |
| Availability | restricted | Existing Halifax customers only. |
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