from 19 ratings
19 customers rated their Halifax loan as 3.8 out of 5 in our Consumer Finance Awards and Reviews.
Customer Service
Flexibility & Fairness
Product Features
Value For Money
Halifax Clarity Loan Ex/C
Loan TypeLoan AmountRepresentative APRLoan Term
Unsecured£1,000 to £25,0005.9%
(£7,000 to £15,000)
1 year to 7 years
Available to existing customers only.
Representative Example: The Representative APR is 9.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 9.9% p.a. (fixed) you will repay £233.89 per month & £11,226.72 in total., Dot Zinc Limited, 160 Fleet Street,London. EC4A 2DQ. We are a Credit Broker for all consumer credit products listed on

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Quick and easy application. Money available quickly. Payment holiday
interest rate slightly higher than I would have liked at 12%
Recommended by jmpcoy

Went into the bank to talk about how I might be able to sort out my finances and after chatting over my debts with an adviser I realised by consolidating my existing loan and credit card debts with my wife's, we could decrease our monthly outgoings by almost £100 per month and pay off all the debt in 5 years - much sooner than we would have done just paying the minimum payments on the cards as we had been previously. Nice one ;-)
After completing the application, we got a decision straight away and the money was in my account in seconds. A few phone calls later and the existing debts had been paid off.

Recommended by Helz

If you get a loan from Halifax they are not bad at all. I would say they are 7/10 in terms of helpful ness and quality

Quick and easy
Not the best interest rate
Recommended by kevyz8

Quick and simple to apply for cash, minimal fuss. I do have a current account with them at the moment though.

I paid my halifax loan off 2 months ago and it's still outstanding on my credit report as not paid ,I've made various phone calls this month to get this sorted ,everything I've been told is a lie there has been no help or progress whatsoever ,this morning I've made 6 phone calls
1st - 17mins
2nd- 35mims
3rd - 9mims
4th- 21mims
5th- 11mins
On these phone calls I spoke to over 14 different people including an Indian call centre after being on hold for 27mins . And I still have to leave my house in my wheelchair and go to the local branch because I was just being tram defers to different people everything . The service is absolutely pathetic , I was hung up on 3 times and told I won't be put through to another person but them got put to an automated service that I already did when I first rung. Halifax is a big bank with a awful customer service team I actually can't believe how bad that was this morning and I've got nowhere I've also been declined 2 mortgages because this loan is outstanding . Absolutely diabolical customer service this is why I left the bank 4 years ago . there customer service line isn't for help it's just people that continuously transfer you to other people .
Can't wait for my mobile phone bill .
Fuming at this dreadful bank !
Lee - bolton

Got a loan from my own bank ( 22yrs customer ) have tried to rearrange loan agreement from 24.1% to something a little more reasonable but got nowhere . Will be closing my account asap