Energy Efficiency Loans

We're proud to offer Energy Efficiency Loans, to help you support your local environmental conservation charities and contribute towards the Island's ambition to become carbon neutral.

For every approved loan for an energy efficiency purchase, such as solar panels, double glazing, or a new electric car, we'll support the planting of ten metres of hedgerow or five trees.

As an extra thank you, you'll receive £50 cashback too.

To send proof of purchase to qualify for an Energy Efficiency Loan, please email energy.efficiency@hsbc.com with your invoice/quotation of your qualifying purchase/service along with your new Personal Loan sort code and account number.

Please note that this is an automated email address and no response will be made to any additional queries.

Features and benefits

Loans available from £1,000 to £25,000 or £1,000 to £50,000 for Premier customers

Spread your repayments over 1 to 5 years for Personal Loans of £15,000 and less, or over 1 to 8 years for Personal Loans of over £15,000.
Quick decision

Whether you're applying in a branch or by phone, you should get an instant credit decision.
Fixed repayment terms

You always know how much you need to repay each month.
Early repayments

You can repay your loan in full at any time. Once you've given us notice, we'll give you a settlement figure. It's necessary to pay all the amounts owed if you wish to close the loan. Where you make an early repayment, there may be a reduction in the amount of interest you'll have to pay and this will be reflected in the settlement figure. Please note, there is a penalty of one month's interest for repaying your loan early.

Overpayments

You can make overpayments without charge, which may reduce the amount of interest you pay.
Funds transferred same day

If approved in a branch, you'll receive the money in your account the same day.¹
Apply for additional borrowing

You can apply to borrow more money either in a branch or over the phone. You can also take out a separate loan to your existing one if you prefer.
Responsible lending

We work with you to try to make sure you don't borrow more than you can afford to repay.

6.4% APR representative

For loans between £7,500 and £20,000. Only available for HSBC current account customers.

5.9% APR representative for Premier customers

For loans between £10,000 and £30,000. Our HSBC Premier Personal loans are available exclusively to HSBC Premier current account customers.

The rate is subject to change and the representative APR² 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 22.9%.