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Halifax Loans

Unsecured Halifax loans are in the middle of the market: the typical 9.9% APR is reasonable compared to some providers, but it's still higher than the supermarket banks and Direct Line. However if you're a homeowner you should take a closer look: secured Halifax loans have an APR as low as 5.9%.

About Halifax Loans

Halifax loans are available in all shapes and sizes: secured or unsecured, personal loans or car purchase loans, fixed or variable interest rates, flexible borrowing, home improvement loans and borrowing amounts of up to £25,000. The personal loans have a typical APR of 9.9%, which is reasonable – although other lenders offer lower fixed APRs – and you can spread repayments over one to seven years; you don't make any payments for the first three months.

Secured Halifax loans are more interesting: homeowners can benefit from APRs as low as 5.9% if your mortgage is with the bank (7.3% for other applicants) - although it's important to note that the APR is variable so if interest rates rise, so will your payments. It's something of a gamble: for now, secured Halifax loans come with one of the lowest APRs we've seen – but if you're not convinced that interest rates will remain at their current low levels, then it might be more sensible to take the fixed rate of 6.9% that's widely available elsewhere. helps you find the best loans companies for your specific needs, and gives you background information on the various types of loans available in our loans articles, more loans articles and still more loans articles.

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