Halifax Debt Consolidation Loan

Halifax offers personal loans for debt consolidation from £1,000 to £50,000 with fixed rates and flexible terms up to 5 years.

Last checked on September 4, 2026. We may earn a commission when you click through.

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✓ Representative APR from 3.9% ✓ Borrow up to £50,000 ✓ Part of Lloyds Banking Group — strong financial backing
Representative APR Amount Term Type
3.9–29.9% £1k–£50k — debt_consolidation
Best For

Borrowers who want a well-known high-street brand with competitive rates for consolidating medium to large debts.

Pros & Cons

Pros
  1. ✓ Representative APR from 3.9%
  2. ✓ Borrow up to £50,000
  3. ✓ Part of Lloyds Banking Group — strong financial backing
  4. ✓ No early repayment charges
Cons
  1. ✗ Best rates only for larger amounts with strong credit
  2. ✗ Maximum term of 5 years
  3. ✗ Less competitive for smaller loans under £7,500

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