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Graduate Loan

Be ready for what comes next
Graduation day

Calculate your loan amount

Adjust the amount on the calculator to see how much the monthly repayments could be on your loan.

Calculate your Graduate Loan

Minimum Maximum
Minimum Maximum
Representative example

Please use the calculator or the loans interest rate table for more details.

Features & benefits

  • Borrow from £1,000 to £25,000

    Spread your repayments over one to five years for loans of £15,000 or less, or over one to eight years for loans over £15,000.
  • Quick decision

    No matter how you apply you'll get an instant credit decision (subject to planned maintenance periods).
  • Redraw once you've repaid

    If your application is approved online, you'll receive the money in your account straight away.
  • Top up your existing loan

    If you already have an HSBC Personal Loan, you can apply to borrow more online.
  • Make overpayments

    Make overpayments without charge, which may reduce the amount of interest you pay.
  • 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.


3.3% APR* Representative

For loans between £5,000 and £25,000.

*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 21.9%.

The APR rates may vary based on amount borrowed.  Please use the calculator or the loans interest rate table (PDF, 57KB) for more details.


Apply for a Graduate Loan

Not yet registered for online banking?

It only takes a few minutes to register, and once you receive your security details, you'll be able to apply online.

Apply online

If you're registered for online banking and have an HSBC current account, you can complete a Graduate Loan application online in minutes.

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Flexible repayments between 4%-10% of the loan limit (minimum repayment applies).

Available exclusively to HSBC Premier current account customers.

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