Your Personalised Loan Quote



Eligibility

To be eligible for an HSBC Personal Loan you need to:

  • have a bank or building society account with a Direct Debit facility*
  • have an annual income/pension before tax of £10,000 or more
  • be a resident of the UK
  • be over 18

Not available for customers with a Basic Bank Account.

Our Personal Loans are subject to status.

*Channel Island and Isle of Man customers must have an HSBC current account.



It is important that you read and understand the following before you get your quote:

The Personalised Loan Quote tool works by conducting a quotation search on your credit file. This will not affect your credit rating. The full Personal Loan application will include a full credit reference agency check and affordability assessment. We reserve the right to decline any application for credit facilities or to offer to lend on different terms.

Any quote obtained using the Personalised Loan Quote tool is for indicative purposes only and does not constitute an offer to provide credit.

Your personal details will be kept confidential and will not be stored on our systems for longer than necessary. We will use the data we store as a record should you wish to access this in the future and to monitor and enhance future performance of the Personalised Loan Quote tool.

You can read our privacy statement here.

Our top 5 Personalised Loan Quote FAQs


What is a quotation search?

A quotation credit search checks your credit file without leaving a footprint which other lenders can see. Quotation searches do not affect your credit rating.


What does the Personalised Loan Quote result mean?

The Personalised Loan Quote provides the interest rate which is likely to be offered when a full Personal Loan application is made.

The actual rate offered may be different to this rate once you make a full Personal Loan application which will include a full credit reference agency check and affordability assessment.

We reserve the right to decline any application for credit facilities or to offer to lend a different amount and/or at a different interest rate.


Does the Personalised Loan Quote affect my credit rating?

No, the Personalised Loan Quote completes a quotation search which does not impact your credit rating.


Why might I see a different rate during the application process?

When you apply for a loan, the rate you will see is the standard loan rate. Once you have completed the full application the actual loan rate will be updated.

The actual rate offered in the full Personal Loan application may be different to the indicative rate quoted as it will include a full credit reference agency check and affordability assessment. We reserve the right to decline any application for credit facilities or to offer to lend a different amount and/or at a different interest rate.


How can I apply for a loan?

You can apply online, in branch or by telephone.

You can call 03457 404 404 to make a branch appointment or apply by calling 0800 032 4735.

Telephone numbers