Rating based on 11 reviews



  • Personal loans up to £25,000
  • Low-interest starting from 21.9%
  • Repayment up to 8 years

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Author HSBC. Screenshot of HSBC website. [Accessed December 18, 2018]

About HSBC

Why is HSBC a number one choice when it comes to personal loans and other financial services and products?

We are reputable lender because we are one of the world’s largest banking and financial services organisations. Our dedication towards our customers has allowed us to gain the trust of UK residents looking to apply for a personal loan that offers flexibility.

38 Global customers

Our extensive global presence serves around 38 million customers through four global businesses namely, retail banking and wealth management, commercial banking, global banking and markets, and global private banking. With around 3,900 offices worldwide, we strive to assist our customers all over the world reach the financial goals they wish to.

Global headquarters in the UK

The global headquarters of the HSBC Group are based in London and our widespread branch network across the UK supports the requirements of our personal and business customers.

Flexible personal loans

Personal loans that are flexible and affordable is what our customers want and that is what we offer. Talk to us today about the right personal loan for you. With repayment holiday features and no early repayment fees, we offer some of the most competitive personal loans available.

Get a quick decision on your personal loan

Existing current account customers generally receive an instant decision on personal loan applications and non-HSBC current account customers should be contacted with a decision in two to five working days.

HSBC Services

HSBC have financial products available from £1,000 to £25,000, with repayments that are spread over one to five years for personal loans of £15,000.

Loans over £15,000 have repayment terms of up to eight years.

Top up your existing personal loans

Should you already have an existing personal loan from HSBC and your financial requirements require additional borrowing could be the answer; we have the perfect solution for you.

Our existing loan top-up feature allows you to consolidate your existing loan with additional borrowing.

Apply online, via mobile, telephone or visit a branch

We offer as many convenient methods of applying as possible.

Customers have the option of applying online, via their mobile devices, by telephone or a visit to one of our branches, should you want a more personal, traditional method of borrowing. Our friendly, professional staff are always ready to assist you every step of the way.

10% Cashback

HSBC Advance customers could get 10% interest cashback at the end of the loan term.

This feature is only available on loans with 60 repayments or less and does not apply to early repayment loans.

HSBC Product Details

  • Loan Type Personal loans
  • Interest Rate from 21.9%
  • Loan Amount up to £25,000
  • Repayment 1 year to 8 years

Benefits of HSBC

  • Fast access to funds
  • Top up your existing loan
  • Get a quick loan decision

Applying for a personal loan has never been easier!

You have the option of various loan application methods when applying for a personal loan.

Different ways of applying for a personal loan

  • APPLY on the mobile app
    Customers who are registered for mobile banking and who have an HSBC current account can apply online in just a few clicks.
  • LOGIN to apply
    Visit our website and log on to apply for a personal loan in a few easy steps.
  • APPLY by phone
    Customers also have the option of applying by phone. Making loan applications easy is one of our sole business purposes.
  • APPLY in branch
    Should you wish to personally meet with a consultant, book your appointment to apply in branch. You will be required to provide identification, proof of your address and a recent bank statement

Quick access to funds

HSBC customers, who apply via online or in branch, could receive the loan funds instantly, which will be done once your application has been approved and you've signed the loan agreement. Non HSBC Current Account customer could receive the money into your bank account in three working days after we receive your signed loan agreement.

Early repayment option

By repaying your personal loan early, you can reduce the amount of interest you pay. It is just another way we try to assist our customers with fair lending practices.

Variable rates

Your personalised rate will be based on our evaluation of your personal financial situation but the maximum APR you could be offered is 21.9%.

Customer Reviews & Testimonials

HSBC has been my bank of choice for years, I would never consider going elsewhere for any of my financial needs!

Aurora S
— Edinburgh —

I applied for my loan in branch and was later able to apply for a top-up online, how convenient is that! Awesome rates and repayments available too.

Elizabeth M
— Dundee —

A highly competent lender that offers affordable rates and fees.

James R
— Glasgow —

HSBC Contact Details

Physical Address

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:30 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday 09:00 – 17:00
  • Sunday – Closed