The Halifax is part of the HBOS group, formed in a merger with the Bank of Scotland in 2001. As a result the Halifax personal loan products are generally identical to the Bank of Scotland products.A Halifax loan lets you borrow from as little as £500 up to a maximum of £25,000. If you want to borrow more (or less) than this you’ll need to choose the “Compare” channel on this page.Halifax also offer a Halifax Homeowner Loan which has a lower qualifying criteria if you own your own home. Again, choose the “Compare” if you’re interested in a homeowner loan.You can apply for the Halifax personal unsecured loan if you’re a home owner or a tenant. You can apply online and get a quick decision in most cases. You can use your loan for most purposes, debt consolidation, a new car or home improvements are all popular. The Halifax Personal Loan has a typical APR of 9.90% and you can repay over 1 to 7 years. The rate is fixed, so you are protected from changes in market rates and the Halifax also offer payment protection on your loan for extra security.