Top of main content

Personal Loan

Take control with a loan designed around you

Whatever your borrowing needs a personal loan may be able to help you achieve your goals. Our Personal Loan calculator can help you work out what your monthly repayments could be, based on our representative rate for the amount you enter.

Personal Loan calculator

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.

dpws-tools-calculator-creator

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

    Spread your repayments 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

    As an HSBC current account customer, you could get an instant credit decision. Non-HSBC current account customers should be contacted with a credit decision in 2-5 working days.

  • Quick access to funds

    Existing HSBC current account customers could receive the money instantly once the 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.

  • Top up your existing loan

    If you’ve already got an HSBC Personal Loan, find out about topping up your existing loan.

  • Make overpayments free of charge

    This may reduce the amount of interest you pay.

3.3% APR* representative

For loans between £7,000 and £15,000. Now also available to non-HSBC current account customers.

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

Apply for a Personal Loan

Please ensure you read the important information in the 'Things you should know' section before applying.

HSBC customers

Please log on to your account for the quickest and easiest way to apply.

New to HSBC

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

Apply in the mobile app

If you're registered for mobile banking, have downloaded the app and have an HSBC current account, you can apply within the app in just a few clicks.

You might also be interested in

 

Available exclusively to HSBC Premier current account customers.

 

Discover our Balance Transfer Credit Card.

Fees apply.

 

Be prepared for life's unexpected costs. 

 

Helping you stay safe online.

It’s easy to answer your query online. Visit our Help page to find out how.