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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

Borrow between £1,000 to £50,000 and get fixed monthly payments over a period 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 £10,000 and £30,000 6.4% APR Representative

Premier 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, 47KB).


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

6.4% APR representative

This rate is available for loans between £10,000 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 18.9%.

The APR rates may vary based on amount borrowed. Please use the calculator or the Personal Loan interest rates (PDF, 47KB).


Things to know about our Premier personal loans

Who can apply?

You can apply if you:

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

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
  • share dealing


Ready to apply for a Premier Personal Loan?

Existing customers

On your mobile device? If you've downloaded our app and have an HSBC Premier account, you can apply now by selecting 'Apply in app'.

If you're on a desktop, scan the QR code with your mobile device.

More ways to apply

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Standards of Lending Practice

HSBC adheres to the standards of lending practice guidelines.

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