Rating based on 5 reviews


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

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HSBC homepage
Author HSBC. Screenshot of HSBC website.
[Accessed October 19, 2021]

About HSBC

HSBC is one of the UK's longest-standing banking institutions and has grown from strength to strength over the years.

From industry-leading financial products and services to a highly-skilled, professional, and friendly team of experts and customer service agents, HSBC is the UK's preferred financial services provider.

Loans specially designed for you

Whatever your financial plans are, whether it is for investing in a new house, investing in your family's future, or simply keeping more of your hard-earned money in your pocket – HSBC is here to help you achieve them.

Their online platform allows you to explore and investigate various finance solutions, manage your existing accounts, and access information on how to better manage your money.

Turn your dreams into a reality

HSBC truly cares about its clients and strives to help them achieve the financial freedom they deserve. If you're looking for an online short-term loan solution that is tailor-made to suit your budget, HSBC can help.

Their success has been achieved with pride, conviction, perseverance, vision, and a steady determination to meet their customers' and members‘ expectations.

HSBC Services

HSBC is here to help you get the money you need, without needing to worry.

HSBC offers client's an industry-leading low rate of just 3.3% APR on loans of between £7,000 and £15,000 with flexible repayment options designed to suit your income and budget.

Financial solutions with industry-leading rates

Whether you need a short-term cash loan for an emergency, personal, or business purposes, HSBC is here to provide you with the money you need at the lowest rates available on the market. Although HSBC does not provide bad credit loans they understand that not everyone has an immaculate credit report therefore they do their best to help you regardless of your circumstances.

Get a quick loan for emergencies

From a broken-down car to a change of locks after a break-in, a personal emergency loan could be the best approach to help you get through a difficult time. Clients simply need to note that HSBC utilizes the risk-based approach as part of their online loan application process and that the customer's credit profile will directly affect the interest rate offered.

Benefits of HSBC

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

HSBC – Short-term loan

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

Benefits of HSBC

  • Immediate decision
  • No charges for overpayments
  • Fast funding

Short-term 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.

HSBC offers quick loans at unbelievable low-interest rates

HSBC offers personal loans that can be used for anything from buying a car to paying for a family holiday.

If you have a good credit score and can afford to take out any form of credit, a quick loan can simply offer you more flexibility at a much faster turnaround time. HSBC offers fast cash loans at some of the most affordable rates on the market.

To get an idea of just how much more affordable their quick loans are than most other online and traditional lenders, simply visit their website and enter your desired loan amount and loan term.

Simple, affordable, and flexible financing options

HSBC offers short-term personal loans of between £1,000 and £25,000 at a fixed interest rate over a loan term of 12 to 60 months. If you're looking for an amount between £7,000 and £15,000 you could walk away with an Annual Percentage Rate of as low as 3.3%, and that’s a rate that crushes both their online, brick-and-mortar competitors.

You also have the convenient option of taking a repayment holiday, should you qualify for it, and the option of repaying your loan early without being charged early repayment fees. Another great feature of their fast approval loans is that they are unsecured; so you don’t need any security for instance a house.

Requirements for a short-term loan

To qualify for a short term loan UK with HSBC you must meet the following criteria:

  • Be over the age of 18,
  • Have an annual income of £10,000 or more,
  • Be a UK resident
  • Have a bank account that supports direct debits.

HSBC will also request your permission to run a credit check which will help them determine if you can afford the loan. They will also require proof of income if you are one of their new customers. You can thereafter complete the entire loan application process online and you’ll get a decision immediately if they don’t require any additional information from you. If you're a new customer,  they will get back to you within 5 working days.

Customer Reviews & Testimonials

December 2019

I’ve taken out loans from other lenders before but HSBC stands out for me because from start to finish, I was so impressed with the service. They were so efficient and everything went smoothly.

Jude T
— Wolverhampton —

July 2020

I know from personal experience how expensive a loan can be but HSBC helped me with the same-day loan that was actually quite affordable, certainly more affordable than what I was expecting!

Jake K
— Manchester —

August 2020

HSBC is excellent and reliable l recommend it to everyone

Garreth N
— Liverpool —

HSBC Contact

Contact Number


  • not available


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 09:30 – 13:00
  • Sunday – Closed