22.9%APR in personal loan

I have banked with Halifax for over 8 years and never been in the red. Have had personal loan with them and never missed a payment. I'm looking for another personal loan and even thought they advertise from 3.9%APR I'm being asked to pay 22.9% APR. I... Read more

I have banked with Halifax for over 8 years and never been in the red. Have had personal loan with them and never missed a payment. I'm looking for another personal loan and even thought they advertise from 3.9%APR I'm being asked to pay 22.9% APR. I have a great credit ratings and own my own home. So can only be about looking after share holders and not customers.

Reviewed on 28th April 2021

Michael

Great personal loan, competitive rate, easy overpayments

My partner and I each took out a personal loan with Halifax. As existing customers they had already screened to see what we were eligible for, and offered us £25k repayable over a 7 year period. It took about 2 minutes to apply and get the loan in ... Read more

My partner and I each took out a personal loan with Halifax. As existing customers they had already screened to see what we were eligible for, and offered us £25k repayable over a 7 year period. It took about 2 minutes to apply and get the loan in our Halifax bank accounts, and we were able to pay it off easily through standing order and also through individual overpayments - with no penalty charges.

Reviewed on 3rd May 2020

Lisa Buckley

easy application and clear process

I needed a car loan, after searching the internet, Halifax was the best option: good rate, easy to apply and no messing about Definitely recommend them

Reviewed on 27th April 2020

G

Halifax loans

Good customer service, and helpful when needed

Reviewed on 10th February 2020

Naomi

Easy and Fast for Existing Customers

Extremely fast - literally from ascertaining how much I wanted to borrow over how long to applying through the online banking system to receiving the money was extremely fast. I received a good rate and can pay more and look at my balance all in one... Read more

Extremely fast - literally from ascertaining how much I wanted to borrow over how long to applying through the online banking system to receiving the money was extremely fast. I received a good rate and can pay more and look at my balance all in one place online.

Reviewed on 24th April 2019

Stacey

Halifax do give you extra!

I’ve banked with Halifax for over 10 years and wouldn’t bank with anyone else! They’re online banking is so easy and straightforward. Always willing to help when assistance is needed on products. Best bank provider on the High Street.

Reviewed on 4th February 2019

Tanya

Excellent service

Great service, excellent rates and choice of loan period etc and holiday allowance

Reviewed on 17th December 2018

Shane Couper

best loan deal

great rates offered and great terms

Reviewed on 2nd December 2018

stuart1973

Effortless and fast

Application was simple. Response pretty fast and money in the account in no time at all. Exactly the sort of service you'd want.

Reviewed on 8th November 2018

Mike Collins

good

ability to take payment holidays helps a lot in tighter months

Reviewed on 5th April 2018

Anon

great interest rate

Pick your repayment date. Its also easy to change. No redemption fee if you decide to pay off early and I got a great interest rate

Reviewed on 4th April 2018

Barry Sadler

Loan eligibility

Had a few problems with cash and tried to get back on track, got approved for a loan prior to this by Halifax and been approved by others many times since. I then tried to apply for a new loan from them to clear higher rates, bearing in mine my old... Read more

Had a few problems with cash and tried to get back on track, got approved for a loan prior to this by Halifax and been approved by others many times since. I then tried to apply for a new loan from them to clear higher rates, bearing in mine my old one finished. I was then declined and rung customer servixes who said theres nothing we can do for you.... i was a loyal customer and been with them for years, never missed a payment. And now being charged high on a planned overdraft, plan to switch banks soon!

Reviewed on 9th November 2017

Dom Clarke

Given loan at distressing time in life

Great deal given on loan at very needy time absolutely easy application and money in account immediately thank you online halifax loan

Reviewed on 29th June 2017

Shabana nasim

Easy to arrange and with my needs in mind

The advisor was polite and took the time to listen to my needs . I left feeling more in control of my financial situation.

Reviewed on 29th June 2017

JENNIE MCINTYRE

Poor/Average

Not the best experience, will be looking elsewhere in the future.

Reviewed on 30th May 2017

Gordon Perkins

Personal loan

good interest rate and easy to set up.

Reviewed on 5th April 2017

Laura Mason

A fair deal

I had a personal loan with Halifax and topped it up a month later. The team were fast and efficient in helping me with my update. Fabulous customer service over the phone and I felt highly valued as a customer

Reviewed on 5th March 2017

Sharon. Evans

Loan Request

We have been customers of the Halifax for many years. We recently decided our kitchen needed a complete refit and needed to look at ways to fund this. Halifax offered the best option and we were able to arrange a loan using a straightforward and... Read more

We have been customers of the Halifax for many years. We recently decided our kitchen needed a complete refit and needed to look at ways to fund this. Halifax offered the best option and we were able to arrange a loan using a straightforward and hassle free process online.

Reviewed on 17th December 2016

Irene Fotios

I am about to close my account

I had my personal bank account with Halifax for over six years. Decided to apply for a personal loan with my outstanding credit rating and the bank declined. When questioned the reason why, they claimed that I have not been with them for long enough.... Read more

I had my personal bank account with Halifax for over six years. Decided to apply for a personal loan with my outstanding credit rating and the bank declined. When questioned the reason why, they claimed that I have not been with them for long enough.

M&S bank, the one I have been using to pay my bills for the past year, provided me with the money. They also provided brilliant customer service.

I will stick with them and close my account with Halifax - they do not deserve my custom! I prefer professionalism.

Reviewed on 13th November 2016

Tom Handly

Affordable Stress-free Personal Loan

Very helpful customer service. even though i have good credit a lot of companies didn't give me a loan due to the fact that I worked two part-time jobs, which I think they thought was unreliable income. Halifax listened to my situation carefully and... Read more

Very helpful customer service. even though i have good credit a lot of companies didn't give me a loan due to the fact that I worked two part-time jobs, which I think they thought was unreliable income. Halifax listened to my situation carefully and were happy to provide the loan. The repayments are very reasonable and they come out of my account via direct debit which is very stress-free. On my internet banking it is also very easy to see how much has been paid off.

Reviewed on 18th May 2016

jess clarke