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Top Up Loan

Borrow more when you need it

Do you need some extra money, and already hold a loan with us? You could apply online for further lending by either topping up your existing loan or applying for an additional loan.

Top up

  • existing customers can apply for further lending, and if approved, we will automatically consolidate your existing loan with the new loan to provide one monthly repayment. The APR of this new loan could be higher than the APR of your existing Personal Loan
  • the top up option may increase the total amount payable if your existing debt is repaid over a new extended term
  • the rate we offer could be higher than the representative APR advertised, and more than your existing loan APR. An approved rate will be subject to a credit check, and the loan amount you request

Additional loan

  • keep your monthly repayments separate by applying for an additional loan to obtain the lending you require
  • the amount you choose to borrow is dependent on your credit status

Features and benefits

  • Extra borrowing

    You can either apply for an additional loan meaning you will have separate loans and separate payments, or you can choose to top up your existing loan, where we will use the new money to consolidate your existing loan into one monthly repayment.

  • Get a quick decision

    As an HSBC current account customer, you could get an instant credit decision.

  • Quick access to funds

    Existing HSBC current account customers could receive the money instantly once the application has been approved.

3.3% APR* representative

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 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.

Calculate your additional loan amount

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.


This is for your additional loan only. If you are choosing to top up your existing loan, it will not take into account your existing borrowing.

Click the log on and apply now button below to see this information.


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).

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.

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.

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