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Premier Personal Loan

Get more out of life with a loan of up to £50,000

Enjoy a personal loan created especially for Premier customers that could give you a quick credit decision and instant access to funds. Representative 3.4% APR for loans between £7,000 and £30,000.

Calculate your monthly 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, 27KB).

Why get a Premier Personal Loan with us?

  • Borrow from £1,000 to £50,000

    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.

  • Funds transferred same day

    Once approved, your money will be transferred into your account instantly. If your application is referred, we may require further information and your paperwork may need to be completed in branch or by post.

  • Get a quick decision

    Apply in just a few minutes and get an instant credit decision.

  • Make overpayments or apply for additional borrowing

    Make overpayments without charge, which may reduce the amount of interest you pay. Or, if you’ve already got an HSBC Personal Loan, find out about topping up your existing loan.

Rate information

3.4% APR representative

This rate is available for loans between £7,000 and £30,000.

*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, 27KB) for more details.


Things to know

Who can apply?

You can apply if you:

  • hold an HSBC Premier Account
  • are over 18 and a resident of the UK

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
  • share dealing


Ready to apply?

Apply online

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

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 in the mobile app

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

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