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How we picked theseTo make it even easier to compare and evaluate unsecured loans we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.
Read the full methodologyPlease note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.
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How do HSBC loans compare against the competition?
See today's rates from across the personal loan market.
The HSBC Premier Loan charges 5.7% APR representative on loans between £15,000 and £30,000. HSBC offers the unsecured personal loan with repayment terms between 1 year and 8 years, and applicants can apply to borrow from £1,000 to £50,000.
The HSBC Personal Loan charges 6.2% APR representative on loans between £15,010 and £20,000. HSBC offers the unsecured personal loan with repayment terms between 1 year and 8 years, and applicants can apply to borrow from £1,000 to £30,000.
| Loan amounts | From £1,000 to £50,000 |
|---|---|
| Loan terms | From 1 year to 8 years |
| Age eligibility | 18 years and over |
| Application fee | No application fee |
| Repayment holiday | Repayment holiday not permitted |
| Loan type | Unsecured Personal Loan |
|---|---|
| Loan amounts | £1,000 to £50,000 |
| Loan terms | 1 year to 8 years |
| Loan rate type | fixed |
| Fee | 0% |
| Same-day funding available | |
| Same-day funding note | Apply online or in branch to receive same day funds |
| Instant decisions in most cases | |
| Soft-search facility available | |
| Joint applications | |
| Overpay without penalty | |
| Concurrent loans allowed | |
| Topping-up pays off existing loan and initiates a new loan | |
| Repayment methods | Direct debit |
| Loan type | Unsecured Personal Loan |
|---|---|
| Loan amounts | £1,000 to £30,000 |
| Loan terms | 1 year to 8 years |
| Loan rate type | fixed |
| Fee | 0% |
| Same-day funding available | |
| Same-day funding note | Existing customers apply online or in app for same day funds |
| Instant decisions in most cases | |
| Soft-search facility available | |
| Joint applications | |
| Overpay without penalty | |
| Concurrent loans allowed | |
| Topping-up pays off existing loan and initiates a new loan | |
| Repayment methods | Direct debit |
| Loan type | Unsecured Personal Loan |
|---|---|
| Loan amounts | £1,000 to £30,000 |
| Loan terms | 1 year to 8 years |
| Loan rate type | fixed |
| Fee | 0% |
| Same-day funding available | |
| Same-day funding note | Apply online or in branch to receive same day funds |
| Instant decisions in most cases | |
| Soft-search facility available | |
| Joint applications | |
| Overpay without penalty | |
| Concurrent loans allowed | |
| Topping-up pays off existing loan and initiates a new loan | |
| Repayment methods | Direct debit |
You should only apply if you’re certain you can meet the repayment terms, and you meet the following HSBC personal loan requirements:
HSBC states that you can’t use an HSBC loan for funding (or part funding) a property, gambling, business purposes or share dealing. It also says you can’t give the money to somebody else to do any of those things.
HSBC Premier Customer Personal Loans are only available to HSBC Premier customers. To become eligible for an HSBC Premier Bank Account, you’ll need to have an individual annual income of at least £100,000 (paid into your HSBC account) OR have savings/investments of at least £100,000 with HSBC in the UK OR already qualify for HSBC Premier in another country.
If you do have an HSBC Premier account, you can apply online, on the phone or in person.
The Annual Percentage Rate (APR) is a summary of the yearly cost of a loan. It takes into account both interest and any unavoidable charges you'll need to pay (for example an arrangement/product fee) over the duration of a loan. Because HSBC doesn't charge an arrangement fee, its APR comprises just the interest rate – and so they're one and the same.
However, the vast majority of lenders tailor rates (and therefore APRs) to the individual applicant. If they think you're a riskier bet, they'll offset that by offering you a higher APR. The "representative APR" (as defined by the Financial Conduct Authority) is what HSBC gives to at least 51% of those who take out the loan. At the top end of the market – where HSBC fights it out among the high-street banks and supermarkets – chances are that 49% of customers are receiving a higher APR. With HSBC, you'll need a good credit score to get approved and a great credit score to bag that representative APR. HSBC must calculate APR in the same way as other lenders, and must tell you your personal APR before you sign a loan agreement.
HSBC advertises a representative APR of 5.7% on loans between £15,000 and £30,000 on the HSBC Premier Loan, 6.2% on loans between £15,010 and £20,000 on the HSBC Personal Loan and 6.2% on loans between £15,010 and £20,000 on the HSBC Personal Loan.
If you want to apply for a HSBC personal loan, you can do so by following these steps:
HSBC does offer traditional “first charge” mortgages, however it doesn’t offer “second charge” mortgages (also known as “homeowner loans”). If you’re a homeowner with a mortgage, then a homeowner loan can let you leverage the equity you’ve built up in your home to access larger loan amounts and/or lower interest rates. You can learn about secured loans and compare your options in our comprehensive guide.
HSBC offer online chat functions on both the HSBC webiste and app. Alternatively, you can ring HSBC on 03457 404 404 if you are an existing customer, or if you’re not a customer, you can call 03455 873 444. Lines are open 08:00–20:00 every day (except for Christmas Day, Boxing Day and New Year’s Day).
83% of customers we surveyed in 2026 would recommend HSBC to a friend.
It provides a straightforward personal loan experience with generally competitive interest rates. Customers appreciate the clear communication, the ease of setting up direct debits, and the helpful option to top up the loan if needed.
While the staff are described as friendly and the transactions as seamless, a few users felt the repayment terms could offer a bit more flexibility.
AI-generated summary from the text of customer reviews on Finder.
"I took out an HSBC personal loan in 2018 because I was already banking with HSBC and I wanted the loan to be with my own bank. I had been with HSBC for 20 years. I got the cash within 2 days, which is about what I was expecting. I needed it to buy a car.
If there’s one thing you’d tell a friend who’s thinking of getting this, what would it be?
My advice for anyone thinking of getting a loan is: don’t get it unless you absolutely need to have it and be sure you can afford the repayments."
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