Halifax
Loans
Halifax is one of the best known
brands on the high street. We offer personal loans
at competitive rates and pride ourselves on our
friendly and down to earth approach.
Who we are and what we do
Since 1853 Halifax has gone from strength to strength
by tapping into consumers ever changing financial
needs. And recently, through extensive media awareness
featuring branch staff, Halifax has obtained a
very healthy position in consumer’s minds.
We offer everything from mortgages
and credit cards to car insurance and loans, both
in store and online. Halifax.co.uk was voted Website
of the Year in 2002 by find.co.uk. The straightforward
navigation facilities enable customers to find
what they want quickly and allow easy online applications.
Our loans product – Typical
6.7% APR
At Halifax we have some of the most attractive
personal loans available. Customers can benefit
from excellent rates and not even have to make
repayments for the first 3 months *. They can
choose how they make repayments too – between
1 and 7 years and can expect fixed rates for the
entire length of the loan term.
Terms and conditions
The rate offered will depend on credit assessment
procedures, personal circumstances and other related
factors.
* Halifax charge interest in the
period between the start of loans and first monthly
repayments.
If customers want to repay loans
in full before the end of the loan term we will
charge an early repayment fee. This fee is usually
equal to two months' interest. It will not be
more than two months' interest.
Personal loans are not available
to non-Halifax customers aged 18 or 19.
All credit facilities are subject
to status. Applicants must be aged 18 or over
and living in the UK.
Products and offers are subject
to conditions and can be withdrawn without notice.
We can monitor and record phone
calls to and from us. We do this to check what
was said and help us train our staff. For written
quotations, ask at your local branch.
As security for customers’
loans , we have a right of set off. This means
that if customers are in breach of their Halifax
Loan agreement we may set-off any money owed to
us against a credit balance on any other account
they hold with us, including a joint account.
We will only take money from a joint account if
the conditions of that account allow and there
are sufficient funds.
HFS LOANS
Hfs Loans was acquired by Capital One (Europe)
Bank in January 2005. Secured Loans remain an
important product for the business. We are a leading
broker specialising in secured loans for a wide
range of customers including those who may have
had difficulty getting credit in the past. We
pride ourselves on our expertise and our high
levels of customer service.
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