Clarity loan

If you're an existing Halifax customer and need a flexible way to borrow money, then a personal loan could be the answer. You could have the money in minutes.

• Instant decision when you apply online
• Apply for and manage your loan in branch, over the phone or online
• Overpay as much as you want, when you want
• No charge to pay off your loan early for Clarity loan customers. An early settlement adjustment may be made on other Halifax loans.

Important information

Written quotations are available on request.

All lending is subject to appraisal by the Bank of the applicant's financial status.

To apply for a loan, you must:

• Be an existing Halifax customer with at least one of the following Halifax accounts - current account (excluding Easycash), mortgage, savings, credit card or loan
• Be over 18 years old
• Be in paid employment
• Not be in full time education
• Have a bank/building society account
• Be a UK resident with a permanent UK address (excluding the Channel Islands and the Isle of Man)
• Not have been declined for credit in the last month
• Not have a history of bad credit such as arrears, county court judgements (CCJs), default or bankruptcy

Certain purposes of loan may be excluded or have limited repayment periods; please ring 03 458 50 37 08 for details.

The rate you are offered will depend on credit assessment procedures, your personal circumstances and other related factors.

We charge interest for the complete duration of the loan including the period between the start of your loan and your first monthly repayment.

If you are in breach of your Halifax loan agreement we may take any money you owe us from any other accounts you have with us which have a credit balance, including a joint account providing the conditions allow and there are sufficient funds.

Products and offers are subject to conditions and can be withdrawn without notice. Loans are provided by Halifax. Halifax is a division of Bank of Scotland plc. Registered in Scotland number SC327000. Registered Office: The Mound, Edinburgh, EH1 1YZ.