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Personal Loan calculator

Find out your estimated representative interest rates and monthly repayments without impacting your credit score.

Calculate your monthly loan repayments

Use the sliders to adjust how much you'd like to borrow and over how many months.

We may be able to offer you a better rate if you change the amount you want to borrow or the length of time you borrow for. A small change can make a big difference to how much interest you'll pay and the overall cost of the loan. We'll offer you a rate based on our assessment of your personal financial circumstances.

See full details of our Personal Loan interest rates (PDF, 47KB).



Rate information

6.9% APR representative.

This rate is available for loans between £7,000 and £15,000.

*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 22.9%.

The APR may vary based on amount borrowed. Please use the calculator or the loans interest rate table (PDF, 47KB) for more details.

Things to know about our Personal Loans

Who can apply?

You can apply if you:

  • Are over 18 and a resident of the UK
  • Have an annual UK taxable income or pension, before tax, of £10,000 or more
  • Have a bank or building society account with a Direct Debit facility

Not available for customers with a Basic Bank Account.

For joint loan applications, please call us on 03457 404 404. Joint loans are not available online or in the HSBC Mobile Banking app.

Our loans are subject to status.

What you can't use your loan for

We don't offer Personal Loans for a number of purposes including:

  • The purchase of property or land (both in the UK and 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
  • Gambling
  • Business purposes
  • Sharedealing

More about our loans

Ready to apply for a Personal Loan?

Existing customers

On your mobile device? If you've downloaded our app and have an HSBC current account, you can apply now by selecting 'Apply in app'.

If you're on a desktop, scan the QR code with your mobile device.

Scan this QR code to launch the HSBC UK Mobile Banking app on your device.

New to HSBC?

Get a Personalised Loan Quote to see the interest rate you may be offered, without affecting your credit rating.

More ways to apply

Frequently asked questions

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Standards of Lending Practice

HSBC adheres to the standards of lending practice guidelines.

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