Features & benefits
Borrow from £1,000 to £25,000Spread your repayments over one to five years for loans of £15,000 or less, or over one to eight years for loans over £15,000.
Get a quick decisionAs an HSBC current account customer, you could get an instant credit decision. Non-HSBC current account customers should be contacted with a credit decision in 2-5 working days.
Quick access to fundsExisting HSBC current account customers could receive the money instantly once the application has been approved and the loan agreement has been signed. Non-HSBC current account customers could receive the money into a nominated account 3 working days after the signed loan agreement is received.
Top up your existing loanIf you’ve already got an HSBC Personal Loan click here
Make overpayments free of chargeThis may reduce the amount of interest you pay.
HSBC Advance customers could get 10% cashback10% interest cashback at the end of the loan term. Cashback is only available on loans with 60 repayments or less. If you close your loan early or it is ended by us you will not be eligible for cashback.
3.3% APR* Representative
For loans between £7,000 and £15,000. Now also available to non-HSBC current account customers.
*The rate is subject to change and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 21.9%.
The APR rates may vary based on amount borrowed. Please use the calculator or the loans interest rate table (PDF, 57KB) for more details.
Apply for a Personal Loan
Please ensure you read the important information in the 'Things you should know' section before applying.
Please log on to your account for the quickest and easiest way to apply.
New to HSBC
Get a Personalised Loan Quote to see the interest rate you may be offered.
Apply in the mobile app
If you're registered for mobile banking, have downloaded the app and have an HSBC current account, you can apply within the app in just a few clicks.