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Personal Loan

Take control with a loan designed around you

Features and benefits

  • Borrow from £1,000 to £25,000

    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.
  • Get a quick decision

    As an HSBC current account customer, you could get an instant credit decision as part of your loan appointment (subject to planned system maintenance periods).
  • Quick access to funds

    If you’re an existing HSBC current account customer and you're applying in a branch, you could receive the money instantly once we’ve approved your application and you've signed the loan agreement. For phone applications, we’ll transfer the money once we receive your signed loan agreement.
  • Top up your existing loan

    If you've already got a Personal Loan with us and your financial needs have changed, borrowing more could be the answer. You can consolidate your existing loan with additional borrowing. You can apply to borrow more money by phone or in a branch. If you've made fewer than 6 repayments on your existing Personal Loan, you won't be eligible for the January holiday or 3-month deferred start option on your new loan if your application is successful. You can also take out a separate loan to your existing one if you prefer.
  • Make overpayments free of charge

    This may reduce the amount of interest you pay. Additionally, you can repay your loan in full at any time by giving us notice in writing, by visiting a branch or by calling us on 03456 00 61 61.


3.3% APR representative

For loans between £7,000 and £15,000. Only available for HSBC current account customers.

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%.

Apply for a Personal Loan

Please ensure you read the important information in the 'Things you should know' section before applying.

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.

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