With a Halifax Personal Loan you instantly qualify for great rates and what's more, the rate is fixed for the whole of the loan period.

And better still, if you have two or more Halifax products and the loan is for £10,000 or more, you qualify for a further discount.



You’ve never had a better reason to buy the things you’ve always wanted - so if you’re planning to decorate your new home or you’re looking to consolidate your finances - borrowing is more affordable than you think.
But the low rate is not the only great thing about a Halifax Personal Loan. You can:

• Get loans from £1,000 to £25,000 to spend on virtually anything. It’s so easy to arrange - we’ll even do the paperwork.
• Get a quick decision.
• Spread your repayments over a choice of terms between one and five years.

Life sometimes throws up a few unpleasant surprises. So it’s sensible to make sure you’re prepared for the unexpected.
Halifax’s Personal Loan Repayment Cover means you can cover yourself against unemployment, death and disability with just a small additional monthly premium.
So if, for instance, you lose your job involuntarily, you know that your monthly payments will be paid for up to 12 months. Some exclusions will apply, just ask for the policy booklet for more details.



To apply just click here and complete the short application or call Good Mortgages on XXXX XXXX XXXX and an adviser will go through the application process with you. You will be notified within 24 hours of Halifax’s lending decision.




The small print (It’s small but it’s important)

General

All credit facilities are subject to a satisfactory appraisal of status and financial standing.
Written quotations for Personal loans are available on request from Halifax plc.
Information is correct at the date of print (April 2002).
Products and offers can be withdrawn without notice.
Each account has its own detailed conditions and you should obtain a copy of these before opening an account.
If you are in breach of your loan agreement, Halifax plc may set off any money you owe them against a credit balance on any other account you hold with them, including a joint account.

Personal Loans

Typical example: £5,000 borrowed over 5 years repayable by 60 monthly payments of £109.53, the total amount payable which includes the loan and interest (without insurance)is £6,571.80 11.9% APR. Customers with two or more qualifying accounts, £5,000 borrowed over 5 years repayable by 60 monthly payments of £108.42, the total amount payable, which includes the loan and interest (without insurance) is £6,505.20 11.4% APR.

The figures shown above are just an example. Personal Loans are only available from £1,000 to £25,000 and are repayable over one to five years.

To qualify for a special discount on Halifax’s special rate, you must have at least two of the following accounts: Mortgage or Savings account for at least six months, or Halifax Current Account with payments of at least £1,000 last month into the account, or Unsecured personal loan which has been open for at least 12 months with payments up to date for the last 6 months and the original loan repayment term has not been revised. The discount is also available for up to 6 months after the account has been repaid. In each case your account must be administered by Halifax plc and not of its trading divisions such as Intelligent Finance, Birmingham Midshires or Paramount Bank. The discount for existing unsecured personal loans customers is only available on a new Halifax Unsecured Personal Loan. In the case of a joint application, one of the applicants must meet the qualifying criteria.

If you wish to repay your loan in full before the loan term the Halifax will charge you an early repayment fee. This fee is usually equal to two months interest. It will not be more than two months interest. If you repay any Halifax loan (excluding Balance Transfer Loan) and take out a new Halifax Loan to repay the loan, the Halifax will waive any early repayment fee.