To be eligible for a Personal Loan you need to:

have a bank or building society account with a Direct Debit facility (Channel Island and Isle of Man customers must have an HSBC current account)
have an annual UK taxable income or pension, before tax, of £10,000 or more
be over 18 and a resident of the UK

Not available for customers with a Basic Bank Account.

We do not offer our Personal Loans for a number of purposes including:

the purchase of property or land (both UK & Overseas) including holiday homes and apartments
purchasing a joint stake in a property or buying out a joint owner
mortgage deposit (regardless of lender or country)
gifting funds to third parties to support the purchase of a property, including mortgage deposit, stamp duty and solicitors fees

In addition, our Personal Loan should not be provided for:

Our Personal Loans are subject to status.