Rating based on 9 reviews


  • Bad credit loans up to £25,000
  • Low-interest starting from 3.1%
  • Repayment up to 8 years

In-page navigation

HSBC homepage
Author HSBC. Screenshot of HSBC website.
[Accessed October 18, 2021]

About HSBC

Access instant cash from one of the world’s largest banking and financial services organizations, even if you have a bad credit score!

HSBC is listed on the Hong Kong, London, New York, and Bermuda stock exchanges and has more than 40 million customers across the globe, covering 64 countries and territories in Europe, Asia, the Middle East, Africa, North America, and Latin America.

Their mission has always been to open up a world of opportunities for their customers by using their unique expertise, capabilities, breadth, and perspectives. They are passionate about creating a better world through their ideas and capital, bringing together all over the planet to make a difference.

The amount you can borrow 

Have a less than perfect credit score? HSBC can help! You can borrow personal loans between £1,000 and £25,000 over 1 to 5 years for loans of £15,000 or less, or over 1 to 8 years for loans over £15,000. Individuals that don’t have an HSBC current account will usually get a decision in 2 to 5 working has days, whereas having an HSBC current account will get you an instant decision and quick approval.

HSBC Services

Have you been denied finance with a few lenders? Try HSBC today and get the cash you need in no time!

HSBC understands that life can happen to anyone and they believe in second chances. They don’t have any setup or arrangement fees and can tailor make a loan for you according to your circumstances and budget. Enjoy easy monthly repayments you can afford after borrowing an amount between £1,000 and £25,000.

Drive away in your next new car

Access the cash you need to buy your next car. Enjoy easy online loans with competitive rates and affordable repayment terms that will suit your budget and help you to reach your dreams. Use their online calculator to work out how much it could cost you.

Insurance – avoid financial ruin

Life can happen at any time! Let them take the risk from your shoulders by covering your vehicle, house, or life for when it does. Theft, fires, acts of nature, death all of these perils are real and are happening to someone every day, don’t let yourself and your family suffer financially when it happens to you, get cover today.

HSBC – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate 3.121.9% p/a
  • Loan Amount up to £25,000
  • Repayment 1 year to 8 years

Benefits of HSBC

  • Fast funding
  • Instant decision
  • No charges for overpayments

Bad credit loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Banking HSBC – everyday banking made easy

There are so many benefits of banking with HSBC and whether you have a current account or savings account with them, it is easy and simple to manage, always leaving you in control of your money.

They also have student accounts and children’s savings accounts and a range of different other accounts to assist you with whatever financial service you require. 

What you’ll need to apply

  • Either has a building society account or a bank account with a direct debit facility.
  • Have a minimum annual income/pension before tax of £10,000.
  • Be a UK resident.
  • Be 18 or older.

Get started

Use their online loan calculator to select how much you would like to borrow and to see over how long you will be able to borrow it.

Choosing the right loan for you

They have an online tool that will help you to choose between various loan options. Just answer a few simple questions while they will guide you through the quick and easy process.

Why you should give HSBC a try

  • Immediate cash transfers.
  • Easily apply online or at a branch from anywhere in the world.
  • World-class service from one of the largest lenders on the planet.
  • Ongoing support
  • Affordable loans repayments that will suit your needs.
  • A variety of banking/loan tools and chatbots to make things as easy as possible for you.
  • A wide range of financial products and services for whatever you are looking for.
  • A company that looks beyond a less than perfect credit score.

If you have an HSBC current account you will also receive the funds instantly after signing! Non-HSBC current account customers will normally receive the funds into their nominated account 3 working days after signing the loan agreement. The great part is that you can make overpayments free of charge, save money on interest and pay off your loan faster.

Customer Reviews & Testimonials

January 2021

They provide fast services, they gave me a response within a few hours. I really like their services

Mary B
— Essex —

March 2021

They are a great company with a great team understanding team willing to answer all your questions.

John S
— Glasgow —

HSBC Contact

Contact Number



Physical Address

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:30 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday 09:00 – 13:00
  • Sunday – Closed