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HSBC Car Loan

The HSBC Car Loan offers rates from 12.99% p.a. (13.54% p.a. comparison rate*). on loans of $5,000 to $50,000.


Updated 10 July 2025


Fact checked and verified. Updated 10 July 2025
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Expert Review

The HSBC Car Loan is an unsecured loan with a fixed interest rate of 12.99% p.a. The comparison rate is 13.54% p.a.. This ensures predictable repayment amounts throughout the loan term. Loan amounts range from $5,000 to $50,000. Terms are flexible, lasting from 1 to 5 years to suit different financing needs. There is a $150 establishment fee charged at the start. A monthly fee of $5 applies for the duration of the loan. If you repay early, a loan closure fee of $199 may be charged.

This car loan is great for individuals who want vehicle finance without securing the loan against their car. It offers the stability of fixed repayments. The product also provides quick access to funds, usually within one business day after approval. This allows for timely vehicle purchases or refinancing. The clearly defined exit fee ensures transparency. It helps borrowers plan their finances effectively when considering early settlement.

Product Details
Fees

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$150 establishment fee

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$5 ongoing monthly fee

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$199 early repayment fee may apply

Other fees may apply.

Rates

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Fixed rate of 12.99% p.a.

Loan Amount

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From $5,000 to $50,000

Loan Terms

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1, 2, 3, 4 or 5 years

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Unsecured loan

TMD

Before applying for this product, you should read the Target Market Determination (TMD) available here on the HSBC website.

More information
The comparison rates on this page are based on either a $30,000 loan over 5 years, or a $10,000 loan 3 years, as indicated with each rate. WARNING: This comparison rate applies only to the example given and may not include all fees and charges. Different terms, fees or loan amounts might result in different comparison rates.
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