An approved energy efficiency purpose includes:

• double glazing installation on a residential property
• thermal insulation installation in a residential property
• purchase of electric or hybrid cars
• solar panels installation on a residential home
• purchase of a new boiler for a residential home with an efficiency rating of A
• any other purpose for which we have agreed in advance in writing

Please note: This excludes HSBC UK, M&S Bank, First Direct and HSBC Expat. For the second criteria, in the case of a joint account, at least one of the parties must have an individual annual income of at least £75,000. The investment, life insurance or protection products also includes those purchased through one of HSBC's advisers.

To be eligible for an HSBC Personal Loan, you need to:

• have an HSBC current account
• have an annual income/pension before tax of £10,000 or more
• be over 18 and a resident of the Channel Islands or Isle of Man

Not available for customers with a Basic Bank Account.

We do not offer Personal Loans for a number of purposes including:

• buying property or land, including holiday homes and apartments
• buying 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 or investments

Please note: this list is not exhaustive.

Our Personal Loans are subject to status.