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Halifax: Personal Loan reviews

Name: Personal Loan
Rating: 4.11 (36 reviews)

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3.97

Based on 36 reviews, last reviewed 12th Jun 2025

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

59%

19%

11%

Latest highest rating:

5

I was settling a loan my wife had taken out, I set u... I was settling a loan my wife had taken out, I set up a new payment to be made but there appeared to be some error so it was blocked, I contacted the ... Read more Reviewed on: 12th June 2025

Latest lowest rating:

1

This is definitely not a bank that cares... There is mention in their advertising that this is a bank that cares, but this has proved to be far removed from the truth. Reviewed on: 17th February 2024

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About this product

Halifax personal loan reviews on Smart Money People are honest reviews. If you're trying to determine whether this is the right personal loan for you, reading our Halifax personal loan reviews can help you to find out what other people have to say. Smart Money People launched in October 2014 to help people like you to find the best personal loans. If you have used a Halifax personal loan, we'd love you to write a quick review too.

Halifax Personal Loan reviews (36)

Review of the Halifax, Personal Loan:

POLECAM

W 100 procenach zadowolony.POLECAM BANK HALIFAX Reviewed on: 30th June 2022

I was settling a loan my wife had taken out, I set u...

I was settling a loan my wife had taken out, I set up a new payment to be made but there appeared to be some error so it was blocked, I contacted the number sent to me and went through the process of unblocking my account and paying the bill. I was so grateful that the process works and so didn't mind the delay Reviewed on: 12th June 2025

Decent enough

App is okay. Customer service can be okay; depending on the department. Loan holidays available and can sort via the app which is helpful Reviewed on: 6th March 2025

Amazing service when I needed that extra money, step...

Amazing service when I needed that extra money, steps are so simple and when applied it didn’t affect my credit rating when checking to see if I was eligible, anyway been eligible they make sure you know all the bits you need to know like dates when you need to pay you’re first direct debits, also term of the loan Reviewed on: 12th April 2024

This is definitely not a bank that cares...

There is mention in their advertising that this is a bank that cares, but this has proved to be far removed from the truth. Reviewed on: 17th February 2024

Get exactly what they promise

Staff are well trained polite and helpful, security is excellent. Reviewed on: 30th August 2023

Easy when you also bank with Halifax

Was incredibly simple - applied through app, approved (nearly) instantly, can see how much I owe any time. Rate competitive (top 3 in market), saved 000s on loan offered by car dealer Reviewed on: 31st May 2023

Excellent customer service

Halifax service is good and great , your account is well protected , you get daily and weekly updates, fantastic customer services. Reviewed on: 23rd May 2023

Excellent Bank

I love having everything in 1 app. Reviewed on: 15th September 2021

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 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

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 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

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