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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 green loans
For every approved green purchases such as solar panels, double glazing, or new e-bike.
Borrow from £1,000 to £50,000
Spread your repayments over 1 to 5 years for loans of £15,000 or less, or over 1 to 8 years for loans 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.
Repayment holidays
You could have the option of a repayment holiday for the first 3 months or every January for the life of your loan. More interest will be payable overall.
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.
Funds transferred same day
If approved in a branch, you'll receive the money in your account the same day1.
Apply for additional borrowing
You can apply to borrow more money either in a branch or over the phone. If you've made fewer than 6 repayments on your existing Premier Personal Loan, you won't be eligible for the January holiday or 3-month deferred start option on your new loan.
Make overpayments
You can make overpayments without charge, which may reduce the amount of interest you pay.
Responsible lending
We work with you to try to make sure you don't borrow more than you can afford to repay. Personal loans are available from £1,000 to £50,000 in £10 increments.
Overpayments
If you take out a loan, you'll be able to make overpayments or lump sum repayments to your loan. These payments may reduce the amount of interest you pay over the term of the loan.
3.3% APR representative
For loans between £7,000 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 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%.
Green Loan
We share your passion for the sustainability of our planet. That's why we're proud to offer Green 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 a green purchase, such as solar panels, double glazing, or new e-bike, we'll support the planting of ten metres of hedgerow or five trees.
As an extra thank you, you'll receive £50 cashback too.
Our charity partners
1In some cases, we may need more information to approve your loan. You might need to complete the paperwork in a branch or by post.
Apply for a Premier Personal Loan
Please note: Premier Personal Loans are only available to HSBC Premier customers.
Before you apply, take a look below to see if you're eligible. Here's what you'll need:
- details of your annual income
- full details of your monthly outgoings, including your household bills and any amounts for mortgage or rent
- full details of any existing lending that you hold outside HSBC, including all loans, hire purchase agreements and credit cards with other providers
Apply over the phone
Call us on:
You'll need to check your eligibility above and be calling from the Channel Islands/Isle of Man.
Request a call back
Complete our contact form quoting:
'Loans'
Apply in a branch
You can book an appointment to apply in a branch by calling us on:
You'll need to bring identification, proof of your address and a recent statement from your current bank.
All credit applications are subject to status, our lending criteria and an assessment of the circumstances of the applicant.
Not yet banking with HSBC on your island?
Before you can take out a loan, you'll need to hold a bank account with us.
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