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Get £50 cashback for every approved loan for an energy efficiency purchase

Personal Loan

Take control with a loan designed around you

Whether you want a personal loan for a big purchase, energy efficient products or to consolidate your existing debts, compare our loans to find the one that’s perfect for your plans. Instant credit decision, quick access to funds and no arrangement fee.


The rate is subject to change and the representative APR may not be the rate you'll receive.

APR (annual percentage rate) varies according to the size of the loan. The amount you want to borrow might be close to one of the points where the APR changes.

Features and benefits

  • £50 cashback on Energy Efficiency loans

    For every approved energy efficiency purchase such as solar panels or double glazing.
  • 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.


6.9% 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 22.9%.

Using your loan for debt consolidation

Personal loans can be used for debt consolidation. If you’ve got debt in various places, including credit cards and loans, a debt consolidation loan could help you bring it all together, potentially saving you money and making it easier to manage with a single monthly repayment. 

£50 cashback on Energy Efficiency loans

For every approved loan for an energy efficiency purchase such as solar panels or double glazing, we'll support the planting of 10 metres of hedgerow or 5 trees. As an extra thank you, you'll get £50 cashback too.

Apply for a Personal Loan

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

Already an HSBC customer?

If you're registered for online banking you can apply online. 

Simply log on, go to 'Our products', select 'Borrowing', then 'Apply for a Loan'.

Apply online is only available for sole accounts.

New to HSBC?

Before you can apply for a loan, you'll need to have a bank account with us.

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Terms and conditions apply

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