Halifax loans calculator | Borrowing and repayments

Calculate the cost of a Halifax loan

Table: sorted by representative APR, promoted deals first

1 - 2 of 2

Name	Product	Total Payable	Monthly Repayment	Representative APR	Link
Halifax Personal Loan					View details	Representative example: Borrow £10,000.00 over 3 years at a rate of 5.8% p.a. (fixed). Representative APR 5.8% and total payable £10,895.04 in monthly repayments of £302.64.	Compare	loading Fetching your data...
Halifax Existing Customer Personal Loan					View details	Representative example: Borrow £10,000.00 over 3 years at a rate of 5.8% p.a. (fixed). Representative APR 5.8% and total payable £10,895.04 in monthly repayments of £302.64.	Compare	loading Fetching your data...

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Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.

Late repayments can cause you serious money problems. See our debt help guides.

Our Halifax loan calculator lets you pick how much you want to borrow over a timeframe that suits you, to estimate how much you would pay back each month and overall. We base our calculations on Halifax’s representative APR, but it’s important to note that credit is subject to status, and your circumstances may affect the rate you’re offered.
With Halifax loans you can request up to two repayment holidays a year. This can be handy, but it pushes up the overall cost of borrowing. We’ve based the calculations below on the assumption that you won’t use the repayment holidays.

How do Halifax loans compare against the competition?

Table: sorted by representative APR, promoted deals first

Before you take out a personal loan, it’s important to read up and shop around. You can use the table below to see how much you’d be likely to pay for the loan you have in mind.

Name	Link
Tesco Bank Clubcard Personal Loan Finder Award	View details	Representative example: Borrow £10,000.00 over 3 years at a rate of 5.2% p.a. (fixed). Representative APR 5.2% and total payable £10,802.16 in monthly repayments of £300.06.	Compare	loading Fetching your data...
Fluent Money Unsecured Loan	View details	Fluent Money is a broker, not a direct lender, the Representative APR is subject to the specific lender.	Compare	loading Fetching your data...
Plend personal loan	View details	Compare	loading Fetching your data...
Halifax Personal Loan	View details	Representative example: Borrow £10,000.00 over 3 years at a rate of 5.8% p.a. (fixed). Representative APR 5.8% and total payable £10,895.04 in monthly repayments of £302.64.	Compare	loading Fetching your data...
Novuna Personal Loan	Check eligibility View details	Representative example: Borrow £10,000.00 over 3 years at a rate of 6.4% p.a. (fixed). Representative APR 6.4% and total payable £10,987.56 in monthly repayments of £305.21.	Compare	loading Fetching your data...
Fluro (formerly Lending Works) Personal Loan	Check eligibility View details	Representative Example: Assumed borrowing of £7,500.00 over 48 months at 16.9% APR representative. Monthly cost of £211.47. Total amount repayable of £10,150.38. Interest rate of 15.7% p.a.(fixed) and total fees of £150.00. Available for loan amounts between £5,000 - £25,000.	Compare	loading Fetching your data...
Zopa Personal Loan	View details	Representative example: Borrow £1,500.00 over 3 years at a rate of 19.9% p.a. (fixed). Representative APR 19.9% and total payable £1,959.84 in monthly repayments of £54.44.	Compare	loading Fetching your data...
Fluent Money Secured Loan	View details	Fluent Money is a broker, not a direct lender, the Representative APR is subject to the specific lender.	Compare	loading Fetching your data...
Bamboo Personal Loan	Check eligibility View details	Representative example: Borrow £10,000.00 over 3 years at a rate of 69.9% p.a. (fixed). Representative APR 69.9% and total payable £20,421.36 in monthly repayments of £567.26.	Compare	loading Fetching your data...
Vanquis Bank Personal Loan	View details	Representative example: Borrow £10,000.00 over 3 years at a rate of 22.3% p.a. (fixed). Representative APR 22.3% and total payable £13,433.76 in monthly repayments of £373.16.	Compare	loading Fetching your data...
Barclays Bank Existing Current Account Customer Barclayloan	View details	Representative example: Borrow £10,000.00 over 3 years at a rate of 8.9% p.a. (fixed). Representative APR 8.9% and total payable £11,373.48 in monthly repayments of £315.93.	Compare	loading Fetching your data...
Lloyds Bank Existing Customer Personal Loan	View details	Representative example: Borrow £10,000.00 over 3 years at a rate of 5.9% p.a. (fixed). Representative APR 5.9% and total payable £10,910.52 in monthly repayments of £303.07.	Compare	loading Fetching your data...
Lendwise	View details	Compare	loading Fetching your data...
Lendable Personal Loan	View details	Representative Example: Assumed borrowing of £7,500.00 over 36 months at 29.3% APR representative. Monthly cost of £302.12. Total amount repayable of £10,876.38. Interest rate of 24.5% p.a.(fixed) and total fees of £395.00.	Compare	loading Fetching your data...
Tesco Bank Personal Loan Finder Award	View details	Representative example: Borrow £10,000.00 over 3 years at a rate of 5.6% p.a. (fixed). Representative APR 5.6% and total payable £10,864.08 in monthly repayments of £301.78.	Compare	loading Fetching your data...
Halifax Existing Customer Personal Loan	View details	Representative example: Borrow £10,000.00 over 3 years at a rate of 5.8% p.a. (fixed). Representative APR 5.8% and total payable £10,895.04 in monthly repayments of £302.64.	Compare	loading Fetching your data...
My Community Bank Personal Loan	Check eligibility View details	Representative example: Borrow £5,000 over 48 months at a rate of 19.9% p.a. (fixed). Representative APR 19.9% and total payable £7,086.01 in monthly repayments of £147.63.	Compare	loading Fetching your data...
Everyday Loans Loan for Bad Credit	Check eligibility View details	Representative example: Borrow £3,000 over 2 years at a rate of 71.3% (fixed). Representative APR 99.9% and total payable £5,706 in monthly repayments of £237.75.	Compare	loading Fetching your data...

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Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.

What is Halifax?

A division of the Bank of Scotland (which is itself part of the Lloyds Banking Group), Halifax offers personal loans to new and existing customers. There’s also the option for Halifax current account holders to borrow more. When you apply online, Halifax states that you could get a decision within minutes.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

Thank you for your feedback!

Chris Lilly

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Chris Lilly is a publisher at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more.

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Halifax loan calculator

Use our Halifax loan calculator to work out how much you'll pay back on a Halifax personal loan, and the size of your repayments