Personal Loan

*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%.



Are you eligible?

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

  • must 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:

  • The purchase of property or land including holiday homes and apartments
  • Purchasing 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


In addition, a Personal Loan should not be provided for:

  • Gambling
  • Business Purposes
  • Share dealing or Investments


Please note that this list is not exhaustive.

Our Personal Loans are subject to status

Apply by phone


Call us on:
Existing HSBC Customers: 

03456 00 61 61

Lines are open from 8am to 10pm every day (except Christmas Day, Boxing Day and New Year's Day)

Apply in branch

Book your appointment to apply in branch by calling

03456 00 61 61

You'll need to bring identification, proof of your address and a recent bank statement