Rating based on 39 reviews

HSBC Personal Loan


  • Personal loans up to £25,000
  • Low-interest starting from 21.9%
  • Repayment up to 8 years

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HSBC homepage

Author HSBC. Screenshot of HSBC website. [Accessed September 7, 2021]

About HSBC

HSBC offers a wide range of services including retail, commercial and private banking services in the UK.

We are one of the largest banking and financial services organizations. Our global businesses allow us to serve more than 40 million customers. HSBC started operating in 1865.

Our company values

HSBC values describe who we are as an organization and what makes us distinctive. They are necessary to help us achieve our purpose of helping businesses to thrive, economies to prosper and people to realize their ambitions.

HSBC company strategy

We have developed a long-term strategy that shows our purpose and enables us to connect our customers to opportunities around the world. We strive to be a leading international bank. We offer financial assistance to personal wealth and corporate clients thrive through our deep heritage in faster-growing, higher-returning markets.

The sustainability of the HSBC bank

At HSBC we are dedicated to serving the needs of a changing world. We have funded economic growth, promoted international trade and overcome events such as economic crises. Currently, our sustainability approach focuses on sustainable finance; sustainable supply chains; and employability and financial capability.

HSBC investor relations

All investors both current and potential can access information about us on our website, including financial results, dividend information, stock exchange announcements and investor presentations.

HSBC Services

An existing HSBC member can access our service through our mobile banking app.

At HSBC we have the easiest application form. It doesn’t take more than 10 minutes to complete. You can apply for our products at any time, while you are in your comfort zone.

Personal loans at HSBC

Be in control of the loan designed around you. With HSBC personal loan you can borrow from  £1,000 to £25,000. You can repay your loan for over 1 to 5 years for loans of £15,000 or less. But for those over £15,000 you repay for over 1 to 8 years.

Get a quick decision

An HSBC current account holder could get an instant credit decision when applying for a loan. And non-HSBC account holder customers could be contacted with a credit decision in 2-5 working days.

Quick access to funds

If you are already an HSBC current account holder you could receive the money instantly once the application has been approved and the loan agreement has been signed. While non-HSBC account holders could receive the money into a nominated account 3 working days after the signed loan agreement is received.

You can top up an existing loan

It means that you can apply for another online loan while you already a loan with us. It may increase the total amount payable if your existing debt is repaid over a new extended term. And we will offer you a rate e higher than the representative APR advertised, and more than your existing loan APR.

HSBC – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 21.9%
  • Loan Amount up to £25,000
  • Repayment 1 year to 8 years

Benefits of HSBC

  • Get a quick loan decision
  • Fast access to funds
  • Make overpayments with no extra charge
  • Top up your existing loan

Personal 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 Online loan calculator is subject to our terms of use.

At HSBC our customers' need is our priority

At HSBC we always strive to give nothing but the best service and experience.

Applying for a loan is stress on its own so we are extra careful not to cause any more stress. We ensure we have a simple and easy to understand loan application form that can be completed in 10 minutes.

Meet our general criteria before you apply

Meeting the HSBC criteria before you apply saves you time and energy. Before we proceed with looking further to your application, we firstly if you meet our general criteria. Before you apply for HSBC loans make sure you are:

  • Over 18 years
  • Reside in the UK
  • Permanently employed
  • Not bankrupted for the past 6 months
  • Have a good credit rating

How to apply for HSBC finance

It is so easy to apply for any of our services. If you are already our current account holder you can apply through our online banking. Just open your banking app and start your application. But if you are a first-time applicant, you can apply by visiting any of our branches. Our consultants will gladly assist you.

Be in contact with HSBC today

Sometimes life can throw you a curveball. And its times like those you do not know what to do. But regardless of all that you come across, never let financial strains control you. Always come to HSBC bank with all your financial difficulties and we will gladly assist you. Our loans are also designed to accommodate everyone including those who are not currently banking with us. Visit our branch and start applying for the loan of your needs.

Visit us on Facebook, Twitter, and YouTube to learn a lot more about our services and the new things we are introducing.

Customer Reviews & Testimonials

September 2019

I am so happy about how quickly it is to find HSBC bank. They are just on a walkable distance.”

Mike H
— London —

August 2019

When I apply for a loan, the first thing I look at is an interest rate. At HSBC they never disappoint, I always receive the best interest rates

Gerome Y
— Scotland —

HSBC Contact

Physical Address

Opening Hours

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