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Personal Loan

Borrow from £1,000 to £25,000, with an instant decision and quick access to funds

Make your plans a reality with a personal loan with fixed monthly payments, an instant credit decision, quick access to funds and no arrangement fee.

Calculate your loan repayments

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

You might be able to reduce your monthly repayments, and total amount payable by slightly adjusting the amount you borrow.


APR (annual percentage rate) varies according to the size of the loan. The amount you want to borrow might be close to one of the points where the APR changes. See full details of our Personal Loan interest rates (PDF, 29KB).

Why get a Personal Loan with us?

  • Borrow from £1,000 to £25,000

    Always know what you'll have to pay with fixed monthly repayments spread over 1 to 5 years for loans of £15,000 or less, or over 1 to 8 years for loans over £15,000.

  • Get a quick decision

    If you've got an HSBC current account you can get an instant credit decision, while non-HSBC current account customers should get a credit decision in 2 to 5 working days.

  • Quick access to funds

    Existing HSBC current account customers could receive the money instantly once your application has been approved and the loan agreement has been signed. Non-HSBC current account customers could receive the money into a nominated account 3 working days after the signed loan agreement is received.

  • Make overpayments free of charge

    Manage your finances the way you want with the flexibility to overpay, which could reduce the amount of interest you have to pay.

Rate information

3.9% 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 24.9%.

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


Things to know

Who can apply?

You can apply if you:

  • are over 18 and a resident of the UK
  • have an annual income/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.

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 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
  • gambling
  • business purposes
  • sharedealing

Ready to apply?

Already an HSBC customer?

If you're registered for online banking, you can start your application right away.

New to HSBC?

Get a Personalised Loan Quote to see the interest rate you may be offered.

Apply in the mobile app

If you’ve downloaded our app and have an HSBC current account, you can apply in just a few clicks.

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