Logbook loans in Halifax, and up the Calder Valley.

Halifax is a hillside town above the Calder Valley. The A629 runs south towards the M62 and Huddersfield, and north towards Keighley, while the A646 follows the valley west through Sowerby Bridge to Hebden Bridge and Todmorden, with moorland rising on both sides.

With towns strung along the valley and moorland roads between them, many people in Calderdale use a car or van to get to work, see family and do the weekly shop. If yours is paid for, you can borrow against it and still drive it every day.

A logbook loan is secured on your vehicle, but you keep it. You hold on to the keys and drive it just as you do now, around Halifax and up and down the valley. When the loan is repaid, nothing changes for you except that you owe us nothing.

Apply online, and an underwriter usually calls within 2 working hours. A signing agent usually visits within 3 working hours of approval to witness the Bill of Sale, and the loan is usually complete within 24 working hours, with the money paid by bank transfer.

Your vehicle must be yours, free of finance, insured and taxed. Cars, vans and motorbikes can all be considered, and cars under 15 years old are more likely to be accepted. The amount you can borrow depends on the vehicle's value and what you can afford.

Your quote starts with a soft search, which does not affect your credit score. You can borrow from £1,000 up to £50,000, and poor credit is considered, subject to affordability. You can also settle early at any time for a rebate on interest.

Questions from Halifax drivers

Borrowing responsibly. We only lend when the repayments are affordable for you. Our service is not advised. If money is a worry, you can get free, impartial help from MoneyHelper (opens in a new tab), StepChange (opens in a new tab) or Citizens Advice (opens in a new tab).

Everything happens online and by phone, so you can apply from anywhere in the UK. See how it works elsewhere in Yorkshire and the Humber: