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Halifax Personal Loan Pre-Qualifying Criteria
To apply for a loan, an applicant must:
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Be over 18
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Be in paid employment
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Not be in full time education
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Have a bank/building society account
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Have a permanent UK address
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Not have been declined for credit in the last month
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Not have a history of bad credit such as arrears, county court judgements (CCJs), default or bankruptcy
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Applicants will also need:
Address details including post code for the past 3 years, including partner's address details, if different, and if this is a joint application
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Bank/building society details
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Annual income and monthly outgoings such as rent/mortgage payments
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An employer's name and address
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There's nothing to be ashamed of! 
If you have a poor, bad or low credit rating then the below credit cards could be for you. The following can issue you a credit card even if you have past credit problems or history including CCJ's, defaults and arrears or simply do not have a credit rating. 
