Features and benefits
Borrow from £1,000 to £50,000Spread your repayments over 1 to 5 years for loans of £15,000 or less, or over 1 to 8 years for loans over £15,000.
Quick decisionNo matter how you apply you could get an instant credit decision.
Fixed repayment termsYou always know how much you need to repay each month.
Repayment holidaysYou could have the option of a repayment holiday for the first 3 months or every January for the life of your loan. More interest will be payable overall.
Funds transferred same dayIf approved online or in branch, you'll receive the money in your account the same day. If your application is referred, we may require further information, and the paperwork may need to be completed in branch or by post.
Apply for additional borrowingIf you’ve already got an HSBC Personal Loan, find out about topping up your existing loan.
Make overpaymentsYou can make overpayments without charge, which may reduce the amount of interest you pay.
3.3% APR* representative
For loans between £7,000 and £30,000.
*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%.
The APR may vary based on amount borrowed. Please use the calculator or the loans interest rate table (PDF, 57KB) for more details.
Apply for a Premier Personal Loan
Please note Premier Personal Loans are only available to HSBC Premier customers.
Please ensure you read the important information in the 'Things you should know' section before applying.
Services in our branches are currently limited because of the coronavirus outbreak. Unfortunately we are unable to offer new products or set up appointments at the moment.
We’re also receiving far more calls than usual, so our wait times are longer. Please only call us if it’s urgent, so we can help those most in need.
Not yet registered for online banking?
It only takes a few minutes to register, and once you receive your security details, you'll be able to apply online.
If you're registered for online banking and have an HSBC current account, you can complete your application online in minutes.