IF Loans

IF was launched by Halifax in the year 2000 to offer customers an online or phone banking service. Intelligent Finance loans are personal loans and come either with or without an early repayment penalty.

An IF loan allows you to:

• Borrow a minimum loan amount of £1,000 and maximum of £25,000
• Make an application online
• Use your loan for anything, including consolidating small debts into a single monthly repayment
• Exclusive online competitive rates
• Deferred repayments for the first 2-3 months

The Intelligent Finance Loan, without an early repayment fee, is designed to give customers the option of paying back the full loan amount as soon as possible, without being charged the interest normally payable over the agreed loan term.

Both homeowners and tenants may apply for an IF Loan however an excellent credit record is required in the first instance in order to be accepted. Visit http://www.if.com

Intelligent Finance is a division of Halifax plc and the HBOS banking group. IF.com is one of the UK’s leading banks.

Finance is available in two different forms. One offering a lower, exclusive rate customers can benefit from if they bank online. The other loan product charges slightly more interest but is a more flexible option. The interest is fixed and there are no early repayment fees.

With both IF.com loans, you can receive the money within 24 hours of your application being accepted (for a £50 fee), and you can take a two-month repayment break at the start of your loan term.

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Additional Terms: ifloans, intelligentfinance, intelligentfinanceloans, if.com/loans