HSBC Online Banking activation

We're currently making improvements to our Online Banking service.

If you registered for Online Banking prior to the 17th December 2014 it's not possible for you to activate your existing Secure Key and you will need to re-start your registration.

If you registered for Online Banking after this date, please log on to Online Banking entering your username, memorable answer and your password, from here you will be prompted to activate your Secure Key.

We apologise for any inconvenience which this delay may cause. Once you are registered, we look forward to introducing you to Online Banking, including the exciting enhancements we're working on now.

Find out more
 

Our new lowest ever Personal Loan rate

From buying a new car to simply consolidating finances, you can receive a representative* 3.3% APR for Personal Loans between £7,000 and £15,000.

* For loans between £7000 to £15000 between 1 and 5 years. 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.

As an HSBC Advance customer you could get 10% interest cashback

1HSBC Advance customers could be entitled to 10% interest cashback at the end of the term of their loan.
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.


Are you eligible for a Personal Loan?
Check the full details

Apply

The example in the repayment calculator on the right is not a quotation and is for illustration purposes only. A full quotation will be provided when you apply and figures may vary slightly. Customers who do not meet our normal criteria may be offered a different APR to our standard rates.

Repayment Calculator


Select to show help text

Loan Amount:

Available from £1,000 to
£25,000 in £10 increments.

£
Select to show help text

Loan Term:

1 to 5 years for £15,000 or under, 1 to 8 years for over £15,000.


Representative example

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If you are an Advance customer you could get:

Does this fit your monthly budget?

Get started

Calculate loan

Find out how much you may be able to borrow and how much it might cost

Research

Plan your home improvements, find that new car or simply organise your finances

Apply

Once you know how much you need to borrow, click apply


  • Instant decisionAs an HSBC current account customer, you could get an instant credit decision (subject to planned maintenance periods).
    Non-HSBC current account customers should be contacted with a credit decision in 5 working days
  • Make overpayments You can make overpayments without charge, which may reduce the amount of interest you pay
  • Funds transferred same dayIf approved, as an HSBC current account customer applying online or in branch, you could receive the money straight into your account (for telephone applications as soon as we receive your signed paperwork we will transfer the money straight into your account).
    If approved, as a non-HSBC current account customer you could receive the money into your nominated account 3 working days after we receive your signed paperwork
  • Fixed repayment termsYou always know how much you need to repay each month
  • Repayment holidays You could have the option of a repayment holiday for the first three months or every January for the life of your loan. More interest will be payable overall
  • Apply for additional borrowing If you already have a Personal Loan with us, you can apply to borrow more

Key product information

3.3% APR  representative*.

Personal Loan

Quick decision

HSBC current account customers applying online and via telephone could receive an instant decision. If we need more time to consider your application we will contact you within two working days. In branch we will provide a decision during your appointment.

For non-HSBC current account customers applying online and telephone applications we will process your application and you should be contacted with a decision in 5 working days. However during busy periods it may take up to 10 working days. You’ll receive a letter in the post and if your application is successful it will include paper documents for you to sign and return.

Immediate funds

If you are an HSBC current account customer and your application is approved online, we could transfer the money into your account the same day. For HSBC current account customers in branch if your loan is agreed the money could be in your account the same day. For telephone applications as soon as we receive your signed paperwork we will transfer the money straight to your account.

If you are a non-HSBC current account customer, if your loan is agreed we'll then send you an agreement form to sign and return to us. Once we have received your signed paper documents, the money could be in your bank account in 3 working days.

Fixed repayment terms

Spread your repayments equally over one to five years for Personal Loans of £15,000 and less, or over one to eight years for Personal Loans of over £15,000.

The first repayment is due 30 days from drawdown.

If you are eligible and choose the deferred start option the first repayment is due 3 months from the date of drawdown.

Repayments will be taken monthly from your nominated current account.

Use our Personal Loan Repayment Calculator to get an indication of what your repayments may be.

Repayment holidays

You could have the option to take a repayment holiday for the first three months or every January for the life of the loan. You need to specify if you would like to take one of these options when you apply for the loan. The three month repayment holiday must be taken at the start of the loan and can't be offered where more than 70% of the loan is for refinancing existing borrowing. Neither of these options are available when refinancing an existing Personal Loan where you've made five or less repayments. Please note that interest is charged over the full term of the loan, including any deferred payments/repayment holidays taken. This means that if you choose to take a repayment holiday, more interest will be payable overall.

Debt Consolidation Considerations

  • If you are using any part of this loan to pay off or reduce existing loan(s)/debts (including combining these into a single loan), it is important to consider not just the interest rate and monthly repayments, but also the term of this loan compared to the remaining term of your existing loans/debts.
  • Spreading your payments over a longer term means you could end up paying more overall than under your existing arrangements, even if the interest rate on this new loan is less than the rates you are currently paying.
  • You should also consider if any early repayment charges apply and if this form of borrowing is appropriate for your circumstances.

Early repayments

You can repay your loan in full at any time by giving us notice in writing, by visiting a branch or by calling us on 03457 404 404. Once you've given us notice, we'll give you a settlement figure. It's necessary to pay all the amounts owed if you wish to close the loan. Where you make an early repayment, there may be a reduction in the amount of interest you'll have to pay and this will be reflected in the settlement figure. Please note, there is a penalty of one month's interest for repaying your loan early.

Responsible lending

As a responsible lender we work with you to ensure you can afford your borrowing over the whole Loan Term.

If you can foresee changes in your circumstances that may increase your outgoings or reduce your disposable income then please apply through our Telephone or Branch for further guidance. Changes to consider are:


  • employment situation changes; imminent retirement, maternity or paternity or extended leave.
  • reduction in working hours; fixed contracts end dates or zero hour contracts.
  • increase in living costs; rent or mortgage repayments.

Interest

Interest is calculated on a daily basis. At the beginning of the loan we work out the interest you will pay over the whole period of your loan and add this to your loan balance.

Apply for additional borrowing

You can apply to borrow more money either via HSBC branches, telephone or Internet Banking. If you've made five or less repayments on your existing Personal Loan, you won't be eligible for the January holiday or three month deferred start option on your new loan should your application be successful.

Overpayments

If you take out a loan, you'll be able to make overpayments or lump sum repayments to your loan.

These payments may reduce the amount of interest you pay over the term of the loan.

Our credit facilities

You can get full details of our credit facilities, including a written quotation from any of our branches, by writing to:
Customer Information, HSBC Bank plc, PO Box 757, Hemel Hempstead,
Herts HP2 4SS.
Or call us on : 0800 032 4735 (textphone 18001 0800 028 0126). Lines are open from 8am to 10pm every day (except for Christmas Day, Boxing Day and New Year's Day).

*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.

Have you considered these other options?

Overdraft Service

Prepare for unexpected costs and expensive months with a formal overdraft limit.

HSBC Credit Card

For a fast, convenient and reliable way to make purchases, wherever you are.

HomeOwner Loans

If you own a property, a HomeOwner Loan could be an affordable way to borrow

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Need to speak to us?

Give our friendly team a call on:

0800 032 4735

Textphone contact numbers

Contact us



Mobile (using inclusive minutes)

0345 600 6453

Calls to 0345 numbers are included within most mobile operators inclusive minutes. Please refer to your mobile network tariff for any charges.



Landline freephone


0800 432 0492

Calls to 0800 numbers are chargeable from most mobile operators. Please refer to your mobile network tariff for any charges.

Lines are open 8am to 10pm every day except Christmas Day, Boxing Day and New Year's Day. Calls may be monitored or recorded.

Prefer to talk face-to-face?

Pop into your nearest branch for a chat.

Find a branch

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