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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

Borrow between £1,000 and £25,000 with fixed monthly payments of up to 60 months for loans up to £15,000, or up to 96 months for loans over £15,000.

  • Quick credit decision and instant access to funds (after signed loan agreement is received) for HSBC current account customers
  • Make overpayments free of charge
  • No arrangement fee

Representative APR

For loans between £7,000 and £15,0006.6% APR Representative

Personal Loan calculator

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, 89KB).



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

6.6% 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, 89KB) 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 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 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 the QR code to apply

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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logo of LSB standards of leading practice: personal customers

Standards of Lending Practice

HSBC adheres to the standards of lending practice guidelines.

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