HSBC Personal Loan
OUR RATING
Loan Amount
Total Payable
Monthly Repayment
Representative APR
Representative example will update based on your input.
Our Verdict
HSBC offers competitive interest rates, and small changes to your loan amount or term may help you secure a better APR. Existing current account holders can apply instantly via the app and may receive an instant decision. If approved, funds are typically transferred immediately after signing the loan agreement. For non-HSBC customers, decisions can take 2–5 days, and funds are usually received within 3 working days of agreement completion.
Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.
| Issuer | HSBC |
|---|---|
| Loan Type | Unsecured Personal Loan |
| Rate Type | Fixed |
| Interest Calculation Method | Effective |
| Minimum Loan Amount | £1,000.00 |
| Maximum Loan Amount | £25,000.00 |
| Minimum Loan Term (months) | 12 |
| Maximum Loan Term (months) | 96 |
| Customer Type | New or Existing Customers |
| Relationship | New and existing customers are considered |
| Acceptance Criteria | Minimum applicant income £10,000 per annum. Must have a bank or building society account with a Direct Debit facility. |
| Minimum Age | 18 |
| Maximum Age | 70 |
| Debt Consolidation Limit | £25,000.00 |
Important: When consolidating your existing borrowing, you may extend the term of your debt and increase the total amount you repay.
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Representative 18.6% APR
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Mintify Limited, trading as Mintify, is an Appointed Representative of Creditec Limited who is acting as a credit broker, not a lender.
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