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.
Size, colour, style... buying a new car is a big decision, not to mention an expensive one.
You may need to take out finance to spread the cost of buying a car over a number of years and there are a number of options available on how to do this. Whatever you choose it is important to ensure you are comfortable with the interest rates, number of payments and the amount repayable, including any charges.
Our lowest ever Personal Loan rate is available to existing and new customers for loans between £7,000 and £15,000.
Things to consider before buying a car
Associated costs with the car purchase
There are a lot of associated costs with the purchase of a new car: for e.g. insurance prices, maintenance, and petrol consumption to name a few. Make sure you know all of the associated costs before you apply for a loan and purchase the vehicle. Car finance can be overwhelming. Get a Personalised Loan Quote to see if you could get a loan to cover your expected costs.
A loan is not the only option available
A number of dealerships and lenders offer hire purchase (HP), 0% credit cards and various car lease deals. However, with a car hire purchase you are contractually committed to a set number of monthly instalments and the provider has the right to repossess your vehicle if you do not keep up payments. On the other hand, a Personal Loan gives you ownership of the vehicle so you can sell the car later in order to repay your loan.
- 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.
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