HSBC Personal Loan

The HSBC Personal Loan offers a competitive fixed interest rate and flexible repayments to help you get the funds you need.

No matter what you're looking to finance, whether it be home renovations, a large purchase or even a holiday, the HSBC Personal Loan is a competitive financing option to consider. Loan amounts are available from $5,000 and a low fixed rate will be applied for your entire loan term, helping you to budget and keep your repayments manageable. If you earn more than $40,000, read the review below to find out the other features of this loan, and if it's right for you.

Product NameHSBC Personal Loan
Interest Rate (p.a.) From 9.5% (fixed)
Comparison Rate (p.a.)10.06%
Interest Rate TypeFixed
Min Loan Amount$5,000
Max. Loan Amount$50,000
Loan SecurityUnsecured


  • Competitive interest rate
  • Make extra repayments at any time
  • Apply for up to $50,000


  • Establishment fee of $150
  • Monthly account fee of $5
  • $199 early termination fee

Main points to consider with the HSBC Personal Loan

This loan comes with an interest rate from 9.5% p.a., which is a fixed rate. The loan is unsecured so you can use it to finance a variety of personal purchases. While the loan amount you're approved for will depend on your financial situation, you can apply for any amount between $5,000 and $50,000. The loan comes with a $150 establishment fee.

Features that come with the HSBC Personal Loan

There are various features and benefits on offer with this loan, including:

  • Easy application and fast turnaround. You can apply online and receive a response within 60 seconds. Once you've been approved, your funds will be transferred within a couple of days.
  • Fixed interest rate. The loan comes with a competitive fixed rate from 9.5% p.a., meaning your repayments remain the same for your entire loan term. This can help you budget and manage your loan. The interest rate is based on your credit history.
  • Various loan amounts. You can apply for any amount between $5,000 and $50,000, making this loan suitable for a range of personal financing needs.
  • Choice of loan terms. Repay your loan over your choice of terms, which are between 1 year(s) and 5 year(s).
  • Flexible repayments. You're able to make additional repayments at any time. Keep in mind that an early termination fee applies.

How much does the loan cost?

It's important to understand all the fees and charges that come with a loan before you apply:

  • Interest rate: From 9.5% p.a.
  • Comparison rate: From10.06% p.a.
  • Establishment fee: $150
  • Monthly account-keeping fee: $5
  • Early terminational fee: $199 (does not apply in the last six months of the loan term)

Keep in mind that other fees and charges may apply. Check your loan contract for a full list of these.

Here's how you can apply for the HSBC Personal Loan

You can get your application started by clicking "Go to Site". First, make sure you meet the eligibility criteria as outlined below:

  • You're over the age of 18
  • You earn at least $40,000 p.a.
  • You have a good credit rating

If you meet these criteria you are eligible to apply. Have the following documents on hand to complete the application:

  • Identification, such as your driver's licence or passport
  • Address and contact details
  • Details of your employments, such as your employer's name and how long you've worked there
  • How much your earn and information regarding your finances

The application shouldn't take you longer than 10 minutes and you'll receive a response from HSBC in 60 seconds. If you're approved, you can receive your funds a couple of days later.

The HSBC Personal Loan is a competitive offering, but as there are a range of similar loans available, remember to compare your options before you submit your application.

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24 Responses

  1. Default Gravatar
    NatalieMay 17, 2018

    Please contact me to discuss a personal loan

    • Staff
      JoelMay 17, 2018Staff

      Hi Natalie,

      Thanks for leaving a question on finder. Please note that we are a comparison website and we do not represent any of the providers on our page.

      If you are looking to get a personal loan from HSBC, please click here to be redirected to their page. If you would still want to compare and weigh your options, please go here.


  2. Default Gravatar
    GeoffFebruary 18, 2018

    Hello Sir,

    My question is I am seeking a personal loan for $16000 but it says I have to earn a minimum of 40K a year, but I’m on a disability pension, my income is $23000 a year guaranteed, I have no other loans bar a visa with Nab with a credit limit of $15000 which has $5000 on it at the moment, my credit rating is perfect, would you guys consider me for one of your personal loans ??

    Regards Geoff

    • Staff
      JonathanMarch 7, 2018Staff

      Hi Geoff, thanks for your inquiry.

      Please note that you have reached and not HSBC. To clarify whether your circumstances will qualify for this loan please contact HSBC directly on 1300 308 280.

      Best regards,


  3. Default Gravatar
    HabiburRahmanOctober 10, 2017

    I need a business loan. Can you help me?

    • Staff
      RenchOctober 10, 2017Staff

      Hi Habibur,

      Thanks for your inquiry. Please note that we are not affiliated with any company we feature on our site and so we can only offer you general advice.

      You can check this page and compare your options for business loans. Please click the name of your preferred lender to find out the details and the minimum eligibility. You may then click the green “Go to Site” button to submit your loan application online.


  4. Default Gravatar
    kuldipJune 8, 2017

    Hi. If I payoff loan early then is there any other charges than the early termination fees?

    • Staff
      LiezlJune 8, 2017Staff

      Hi Kuldip,

      Thanks for your question.

      There could be other fees such as government fees and duties that you might have to pay on top of the $199 loan pre-termination fee. Please refer to your loan contract, terms and conditions or contact HSBC directly to enquire. You can always contact HSBC and get a payout figure that will help. I sent on your email the personal loan terms and conditions for your reference.

      I hope this helps.


  5. Default Gravatar
    EmmMay 23, 2017

    I good couple of inquiries on my credit file and want to know if i still can borrow money through personal loan.

    • Staff
      LouMay 24, 2017Staff

      Hi Emm,

      Thanks for your question.

      Kindly note that HSBC loan requires good credit rating. If you don’t know your score yet, you may request a free credit score through this page.

      In case your credit score is low, you may compare your loan options here.


  6. Default Gravatar
    LisaMay 18, 2017

    If I apply for a personal loan with HSBC for 5 years and pay the loan out early do I pay the interest up to when I pay the loan out or do I pay the full interest calculated for the 5 years?

    • Staff
      MayMay 18, 2017Staff

      Hi Lisa,

      Thank you for your inquiry.

      With HSBC Personal loan, you will pay less interest if you pay out your loan early. The interest you can be charged depends on the actual time the loan amount is owing. Though please note that you may have to pay an early termination charge of $199 and other fees.


  7. Default Gravatar
    MarkApril 4, 2017

    Very easy to obtain loan, but that is where it stops.
    No follow up information provided by email, just original details downloaded after applying. Personal loan internet banking very basic and not much functionality. Have to wait for first statement before being able to pay extra payments via Bpay as Bpay tab in the internet banking greyed out..why?
    Call centre staff very unfriendly and can’t wait to get you off the phone.

    • Staff
      HaroldApril 5, 2017Staff

      Hi Mark,

      Thank you for your inquiry.

      Our company is a financial comparison website and general information service designed to help consumers to make a better decision. Please note we do not represent any company we feature on our pages.

      You can get your application started by clicking “Go to Site”. First, make sure you meet the eligibility criteria as outlined below:
      – You’re over the age of 18
      – You earn at least $30,000 p.a.
      – You have a good credit rating
      – If you meet these criteria you are eligible to apply. Have the following documents on hand to complete the application:

      Identification, such as your driver’s licence or passport
      – Address and contact details
      – Details of your employments, such as your employer’s name and how long you’ve worked there
      – How much your earn and information regarding your finances

      I hope this information has helped.


  8. Default Gravatar
    MarquisyaNovember 9, 2016

    Wanted to know the payments per month for a 3000 dollar loan. How long to pay?

    • Staff
      LouNovember 9, 2016Staff

      Hi Marquisyasudderth,

      Thanks for your question.

      For HSBC Personal loan, the minimum loan amount is $5,000 with maximum repayment period of 5 years.

      You can click the ‘go to site’ button on our page so you’ll be directed to HSBC website where you can take advantage of their Personal Loan Repayment Calculator.


  9. Default Gravatar
    estherOctober 8, 2016

    what is minimum credit score

    • Default Gravatar
      KirkOctober 19, 2016

      Im requiring a loan of around 12000 to consolidate a high interest loan and have money for a holiday i have a ok credit rating what are my options without having my credit report accessed

    • Staff
      ElizabethOctober 19, 2016Staff

      Hi Kirk,

      If you don’t have bad credit you may not need a no credit check loan. These loans are higher cost than a loan from a bank. If you do want to compare some, you can do so here.

      If you want to compare unsecured personal loans you can on this page. Just click through to the review page to see the eligibility criteria set by each lender to make sure you are eligible to apply.

      Hope this helps,


    • Staff
      ChesterOctober 9, 2016Staff

      Hello Esther,

      Thanks for your question.

      A good credit rating will improve your chances of applying for credit at a higher limit with better repayment terms. While lenders are trending towards a more comprehensive or positive system of assessment.

      To know more about your credit score you may visit this link for more info.

      I hope this helps.


  10. Default Gravatar
    BrianAugust 17, 2016

    Hi, both my wife and I are age pensioners, and we are enquiring if you lend to pensioner. We have assets of around $350k, and am looking to upgrade our car and need around $7-8k for this. We earn around $35k pensions and a small amount of cash which can’t be substantiated.
    Would you be interested to see an application?

    • Staff
      ElizabethAugust 22, 2016Staff

      Hi Brian,

      You’re still able to apply for the loan as an age pensioner but you need to individually meet the income requirements for the loan (earn at least $30,000 p.a.). If you don’t meet this requirement you can find out about your other options on this page.

      I hope this helps,


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