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Personal Loan

Take control with a loan designed around you
Couple on the boat

Key Benefits

*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%.


To be eligible for an HSBC personal loan you need to:

  • Have a bank or building society account with a Direct Debit facility (Channel Island and Isle of Man customers 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 (both UK & Overseas) including holiday homes and apartments
  • Purchasing a joint stake in a property or buying out as 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

Please note that this list is not exhaustive. Our Personal loans are subject to status.

*This link may allow you to access a non-HSBC website. HSBC Bank plc has no control over the linked website and is not liable for your use of it.

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