Top of main content
Car

Premier Personal Loan

Turn your dream into reality

HSBC Premier customers can receive a representative* 3.3% APR for Premier Personal loans between £7,000 and £30,000.

Our HSBC Premier Personal loans are available exclusively to HSBC Premier current account customers. Loans available between £1,000 and £50,000.

 

Representative example, for illustrative purposes

Amount borrowed £8,000

Borrowing period (months) 60

Monthly repayment £144.64

Total amount payable £8678.64

Representative 3.3% APR

Interest rate 3.3% p.a. (fixed)

*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.

Key Benefits

  • Quick decision
    Whether you're applying in branch or by phone, you should get an instant credit decision
  • Make overpayments
    You can make overpayments without charge, which may reduce the amount of interest you pay
  • Repayment holidays
    You could have the option of a repayment holiday for the first three months or every January for the life of your loan. More interest will be payable overall
  • Funds transferred same day
    If approved in branch, you'll receive the money in your account the same day**
  • Fixed repayment terms
    You always know how much you need to repay each month

Eligibility

To be eligible for an HSBC Premier Personal loan you need to:

  • Be over 18 and a resident of the Channel Islands or Isle of Man
  • Have an annual income or pension before tax of £10,000 or more
  • Be an HSBC Premier customer


HSBC Premier is available to you, as long as you pay your annual income into your HSBC Premier Bank account and either:

1. Have savings or investments of at least £50,000 with HSBC in the Channel Islands or Isle of Man; or

2. Have an individual annual income of at least £75,000 and one of the following products with HSBC in the Channel Islands or Isle of Man:

  • A mortgage;
  • An investment, life insurance or protection product;
  • Or, qualify for HSBC Premier in another country.

 

Please note: This excludes HSBC UK, M&S Bank, First Direct and HSBC Expat. For the second criteria, in the case of a joint account, at least one of the parties must have an individual annual income of at least £75,000. The investment, life insurance or protection products also includes those purchased through one of HSBC's advisers.

 

If you're not yet an HSBC Premier customer, find out more about the Premier experience here


*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.

**If your application is referred, we may require further information to complete the formalities, therefore the paperwork may need to be completed in branch or by post.

Key product information


HSBC Premier Personal loan
3.3% APR representative*

*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.

 

Quick decision
Whether you're applying in branch or by phone, you should get an instant credit decision.

 

Fixed repayment terms
Spread your repayments equally over one to five years for HSBC Premier Personal loans of £15,000 and less, or over one to eight years for loans of over £15,000. The first repayment is due 30 days from drawdown. If you are eligible and choose the deferred start option, the first repayment is due three months from the date of drawdown. Repayments will be taken monthly from your HSBC current account.

 

Responsible lending
As a responsible lender, we work with you to try to ensure that you do not borrow more than you can afford to repay. Personal loans are available from £1,000 to £50,000 in £10 increments.

 

Interest
Interest is calculated on a daily basis. At the beginning of the loan we work out the interest you will pay over the whole period of your loan and add this to your loan balance.

 

Repayment holidays
You could have the option to take a repayment holiday for the first three months or every January for the life of the loan. You need to specify if you would like to take one of these options when you apply for the loan. The three month repayment holiday must be taken at the start of the loan and can't be offered where more than 70% of the loan is for refinancing existing borrowing. Neither of these options are available when refinancing an existing Premier Personal loan where you've made five or less repayments. Please note that interest is charged over the full term of the loan, including any deferred payments/repayment holidays taken. This means that if you choose to take a repayment holiday, more interest will be payable overall.

 

Apply for additional borrowing
You can apply to borrow more money either via HSBC branches or telephone banking. If you've made five or less repayments on your existing Premier Personal loan, you won't be eligible for the January holiday or three month deferred start option on your new loan should your application be successful.

 

Early repayments
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. 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
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.

 

Our credit facilities
You can get full details of our credit facilities, including a written quotation from any of our branches, by writing to:

Customer Information
HSBC Bank plc
PO Box 757
Hemel Hempstead
Hertfordshire
HP2 4SS
 

Or call us on:
0800 032 4735 (textphone 18001 0800 028 0126)
Lines are open from 8am to 10pm every day (except for Christmas Day, Boxing Day and New Year's Day).

 

*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.

Before you apply, take a look below at the eligibility requirements and things you should know about your HSBC Premier Personal loan application. 

What you will 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 by phone

Call us on:
0345 770 7070

Textphone:
18001 0800 028 0126
Lines are open from 8am to 10pm every day (except for Christmas Day, Boxing Day and New Year's Day) 

Textphone contact numbers

Apply in branch

HSBC Premier customers can book an appointment to apply in branch by calling:
03456 00 61 61

You’ll need to bring identification, proof of your address and a recent statement from your current bank.

Eligibility

To be eligible for an HSBC Premier Personal loan you need to:

  • Be over 18 and a resident of the Channel Islands or Isle of Man
  • Have an annual income or pension before tax of £10,000 or more
  • Be an HSBC Premier customer


HSBC Premier is available to you, as long as you pay your annual income into your HSBC Premier Bank account and either:

1. have savings or investments of at least £50,000 with HSBC in the UK, Channel Islands or Isle of Man: or

2. have an individual annual income of at least £100,000 and one of the following products with HSBC in the UK, Channel Islands or Isle of Man:

  • A mortgage;
  • An investment, life insurance or protection product;
  • Or, qualify for HSBC Premier in another country.

 

Please note: HSBC in the UK excludes M&S Bank, First Direct and HSBC Expat. For the second criteria, in the case of a joint account, at least one of the parties must have an individual annual income of at least £100,000. The investment, life insurance or protection products also includes those purchased through one of HSBC's advisers.

If you're not yet an HSBC Premier customer, find out more about the Premier experience here.
 

Things you should know

Before applying, please take the time to read the following. You may also want to save some of these documents for future reference.


To read our PDF files you'll need to have Acrobat Reader 8.0™ or above. We think most of you will have this but if you don't, it's free and can be downloaded from Adobe UK*. If you are accessing this website using screen reading technology that cannot read PDFs, a converter is available at Access Adobe*.


*These links 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.

HSBC Premier customers can receive a representative* 3.3% APR for Premier Personal loans between £7,000 and £30,000.

Our HSBC Premier Personal loans are available exclusively to HSBC Premier current account customers. Loans available between £1,000 and £50,000.

 

Representative example, for illustrative purposes

Amount borrowed £8,000

Borrowing period (months) 60

Monthly repayment £144.64

Total amount payable £8678.64

Representative 3.3% APR

Interest rate 3.3% p.a. (fixed)

*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.

Key Benefits

  • Quick decision
    Whether you're applying in branch or by phone, you should get an instant credit decision
  • Make overpayments
    You can make overpayments without charge, which may reduce the amount of interest you pay
  • Repayment holidays
    You could have the option of a repayment holiday for the first three months or every January for the life of your loan. More interest will be payable overall
  • Funds transferred same day
    If approved in branch, you'll receive the money in your account the same day**
  • Fixed repayment terms
    You always know how much you need to repay each month

Eligibility

To be eligible for an HSBC Premier Personal loan you need to:

  • Be over 18 and a resident of the Channel Islands or Isle of Man
  • Have an annual income or pension before tax of £10,000 or more
  • Be an HSBC Premier customer


HSBC Premier is available to you, as long as you pay your annual income into your HSBC Premier Bank account and either:

1. Have savings or investments of at least £50,000 with HSBC in the Channel Islands or Isle of Man; or

2. Have an individual annual income of at least £75,000 and one of the following products with HSBC in the Channel Islands or Isle of Man:

  • A mortgage;
  • An investment, life insurance or protection product;
  • Or, qualify for HSBC Premier in another country.

 

Please note: This excludes HSBC UK, M&S Bank, First Direct and HSBC Expat. For the second criteria, in the case of a joint account, at least one of the parties must have an individual annual income of at least £75,000. The investment, life insurance or protection products also includes those purchased through one of HSBC's advisers.

 

If you're not yet an HSBC Premier customer, find out more about the Premier experience here


*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.

**If your application is referred, we may require further information to complete the formalities, therefore the paperwork may need to be completed in branch or by post.

Key product information


HSBC Premier Personal loan
3.3% APR representative*

*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.

 

Quick decision
Whether you're applying in branch or by phone, you should get an instant credit decision.

 

Fixed repayment terms
Spread your repayments equally over one to five years for HSBC Premier Personal loans of £15,000 and less, or over one to eight years for loans of over £15,000. The first repayment is due 30 days from drawdown. If you are eligible and choose the deferred start option, the first repayment is due three months from the date of drawdown. Repayments will be taken monthly from your HSBC current account.

 

Responsible lending
As a responsible lender, we work with you to try to ensure that you do not borrow more than you can afford to repay. Personal loans are available from £1,000 to £50,000 in £10 increments.

 

Interest
Interest is calculated on a daily basis. At the beginning of the loan we work out the interest you will pay over the whole period of your loan and add this to your loan balance.

 

Repayment holidays
You could have the option to take a repayment holiday for the first three months or every January for the life of the loan. You need to specify if you would like to take one of these options when you apply for the loan. The three month repayment holiday must be taken at the start of the loan and can't be offered where more than 70% of the loan is for refinancing existing borrowing. Neither of these options are available when refinancing an existing Premier Personal loan where you've made five or less repayments. Please note that interest is charged over the full term of the loan, including any deferred payments/repayment holidays taken. This means that if you choose to take a repayment holiday, more interest will be payable overall.

 

Apply for additional borrowing
You can apply to borrow more money either via HSBC branches or telephone banking. If you've made five or less repayments on your existing Premier Personal loan, you won't be eligible for the January holiday or three month deferred start option on your new loan should your application be successful.

 

Early repayments
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. 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
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.

 

Our credit facilities
You can get full details of our credit facilities, including a written quotation from any of our branches, by writing to:

Customer Information
HSBC Bank plc
PO Box 757
Hemel Hempstead
Hertfordshire
HP2 4SS
 

Or call us on:
0800 032 4735 (textphone 18001 0800 028 0126)
Lines are open from 8am to 10pm every day (except for Christmas Day, Boxing Day and New Year's Day).

 

*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.

Before you apply, take a look below at the eligibility requirements and things you should know about your HSBC Premier Personal loan application. 

What you will 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 by phone

Call us on:
0345 770 7070

Textphone:
18001 0800 028 0126
Lines are open from 8am to 10pm every day (except for Christmas Day, Boxing Day and New Year's Day) 

Textphone contact numbers

Apply in branch

HSBC Premier customers can book an appointment to apply in branch by calling:
03456 00 61 61

You’ll need to bring identification, proof of your address and a recent statement from your current bank.

Eligibility

To be eligible for an HSBC Premier Personal loan you need to:

  • Be over 18 and a resident of the Channel Islands or Isle of Man
  • Have an annual income or pension before tax of £10,000 or more
  • Be an HSBC Premier customer


HSBC Premier is available to you, as long as you pay your annual income into your HSBC Premier Bank account and either:

1. have savings or investments of at least £50,000 with HSBC in the UK, Channel Islands or Isle of Man: or

2. have an individual annual income of at least £100,000 and one of the following products with HSBC in the UK, Channel Islands or Isle of Man:

  • A mortgage;
  • An investment, life insurance or protection product;
  • Or, qualify for HSBC Premier in another country.

 

Please note: HSBC in the UK excludes M&S Bank, First Direct and HSBC Expat. For the second criteria, in the case of a joint account, at least one of the parties must have an individual annual income of at least £100,000. The investment, life insurance or protection products also includes those purchased through one of HSBC's advisers.

If you're not yet an HSBC Premier customer, find out more about the Premier experience here.
 

Things you should know

Before applying, please take the time to read the following. You may also want to save some of these documents for future reference.


To read our PDF files you'll need to have Acrobat Reader 8.0™ or above. We think most of you will have this but if you don't, it's free and can be downloaded from Adobe UK*. If you are accessing this website using screen reading technology that cannot read PDFs, a converter is available at Access Adobe*.


*These links 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.