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HSBC Personal Loans Overview

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Holidays coming up? Or maybe your car or home needs repairs? We get it: you need funds now, fast and easy. Luckily, HSBC Personal Loans might just be the thing for you. Not sure how much you’ll need to pay monthly? Find the perfect fit for your budget by using the HSBC personal loan calculator on this page.

Terms from 1 to 10 years. Representative example: 5 year £10,000 loan with comparison rates from 2.8% to 49.9% APR would cost between £10,728 and £27,321, including fees. The interest can vary between £728 and £17,321.

About HSBC Personal Loans

Whatever the purpose, you can choose from different types of HSBC personal loans. All types have the following main features:

  • Term of 1 to 5 years, up to 8 for loans greater than £15,000
  • An APR ranging between 3.3% to 21.9%, whether variable or fixed
  • Limit starting from £1,000, maximum depends on the type of loan you avail
  • Fast credit decision, within 2 to 5 working days
  • Fast fund transfer, within 3 working days (upon signing of the loan agreement)
  • Option for 3-month repayment holiday, upon drawdown of the loan
  • Overpayments free of charge, if you want to pay off your loan earlier

Have an HSBC current account? You can actually get your credit decision instantly. You can also get your funds within the same day, upon signing the loan agreement. We know, it sounds too good to be true. But no, your ears do not deceive you.

As for loan limits, basic Personal Loans allow up to £25,000. Top-Up Loans, or additional loans for existing HSBC borrowers, carry the same limit. HSBC Premier Account Customers, however, can apply for Premier Personal Loans up to £50,000.

There is also the Debt Consolidation Loan for borrowers with multiple loans. You can combine all of your outstanding loans up to a limit of £25,000. HSBC Premier Account Customers can also borrow up to £50,000 here.

How to apply for a HSBC personal loan?

You’ve finally decided on the loan you want, as well as the terms. But are you qualified? You would be if you:

  • Are aged 18 and above
  • Are a UK resident
  • Earn annual pre-tax income or pensions of £10,000 or more
  • Own a direct-debit bank or building society account

If you meet all of these requirements, you can move on with the next step. Current HSBC customers only need to log on to the website and apply there. Applying through the HSBC mobile app is another option.

 

HSBC personal loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

£20,000

Term

3 months

Change
HSBC

HSBC personal loans (15,000 - 25,000)

HSBC personal loans (15,000 - 25,000)
EST Monthly Repayment
£590 Inclusive of fees
EST Monthly Repayment
3.90%
APR
EST Monthly Repayment
12 months
to 96 months
EST Monthly Repayment
£15,000
to £25,000
Go to site
Make your plans a reality with a personal loan with fixed monthly payments, an instant credit decision, quick access to funds and no arrangement fee.
Featured
Nationwide

Nationwide personal loans (7,500 - 25,000)

EST Monthly Repayment
£581 Inclusive of fees
Interest Rate
2.90%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
£7,500
to £25,000
Go to site
Paying off your debt using a Nationwide loan could give you the chance to take control of your finances.
Featured
Santander

Santander personal loans for £7,500-£15,000

EST Monthly Repayment
£582 Inclusive of fees
Interest Rate
3.00%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
£7,500
to £15,000
Go to site
You are eligible if you’re 21 or over and live in the UK permanently, you have a regular yearly income of £6,000+, you are able to make your repayments by Direct Debit, and you haven’t been declared bankrupt, had a CCJ or an IVA within the last 6 years. All credit is subject to status and credit checks.
Featured
HSBC

HSBC personal loans (15,000 - 25,000)

EST Monthly Repayment
£590 Inclusive of fees
Interest Rate
3.90%
APR
Repayment Period
12 months
to 96 months
Loan Amounts
£15,000
to £25,000
Go to site
Make your plans a reality with a personal loan with fixed monthly payments, an instant credit decision, quick access to funds and no arrangement fee.
Featured
Barclays

Barclays personal loans (15,000 - 24,999)

EST Monthly Repayment
£616 Inclusive of fees
Interest Rate
6.80%
APR
Repayment Period
24 months
to 60 months
Loan Amounts
£15,000
to £24,999
Go to site
When it comes to putting your plans into action, it’s personal. And with a personalised loan just a few clicks away, getting things moving could be simpler than you think. Get your loan rate before you apply – without it affecting your credit score.

BestLoanRates.co.uk provides factual information in relation to financial products. While BestLoanRates.co.uk attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and, to the best of our knowledge, is correct at the time of publishing. The information published on BestLoanRates.co.uk is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product, you will be dealing directly with that provider and not with BestLoanRates.co.uk. BestLoanRates.co.uk recommends that you read the relevant product disclosure statement or product guide before taking up any financial product offer. For more information, please see BestLoanRates.co.uk's Terms of Use.

Minimum and maximum loan periods vary between 1 month and 10 years. APR varies between 2.80% and 71.30% p.a. Total interest repayments vary between £435 and £1,019 over the life of the loan. *APR is based on an unsecured loan of R£15,000 for a term of 3 years. WARNING: This APR is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different APR. These rates can change without further notice. All rates quoted are per annum.

HSBC FAQs

Where can I apply for a HSBC loan?

The HSBC website (accessible from the table above) makes it easy for borrowers to apply, as does the mobile app. However, you can also contact HSBC at 0800 032 4735 as a first step.
You can also travel to your nearest HSBC branch and ask about their personal loans.

How do the HSBC Personal Loan types differ from one another?

All the loan types differ only in two ways: the maximum loan limit and the APR, under certain conditions.
An example of the second point is the APR for Premier Personal Loans. This can stay at 3.3% up to £30,000.

What are variable and fixed APR’s?

A variable APR changes every year based on changes in the market interest rate. You’ll benefit from interest savings on your repayments if the market interest rate is low. But your interest cost will also rise when the market interest rate is high.
A fixed APR does not change at all over the life of the loan. You can maintain the same repayments even when the market interest rate is high. But you’ll lose out on interest savings when the market interest rate is low.

How do I know what the APR will be for my loan?

You can get a rough estimate of your APR based on your loan amount. The lowest APR of 3.3% applies to loan amounts between £7,000 to 15,000. (This rate can stay up to £30,000 for Premier Personal Loans.) Meanwhile, the highest APR of 21.9% applies to loan amounts of £1,000 and below.
HSBC may determine the final APR, however, based on other standards. These can include your credit score, and the state of your personal finances.
Have an existing HSBC Personal Loan and looking to top up? Expect the APR of Top-Up Loans to be higher than that of your existing loan.

Learn more about HSBC personal loans

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Bestloanrates.co.uk provides factual information in relation to financial products. While Bestloanrates.co.uk attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the produc provider or publicly available information and to the best of our knowledge is correct at the time of publishing. The information published on Bestloanrates.co.uk is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with Bestloanrates.co.uk. Bestloanrates.co.uk recommends that you read the relevant product disclosure statement or product guide before taking up any financial product offer. For more information please see Bestloanrates.co.uk’s Terms of Use and Services Guide.

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