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HSBC Personal Loan

The HSBC Personal 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 Personal 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 borrowers have 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. An establishment fee of $150 applies at the start. There is also a monthly fee of $5. A loan closure fee of $199 may be charged for early repayment.

This personal loan is a good choice for individuals looking to consolidate existing debt. It can also be used for home renovations or to finance travel plans. Borrowers benefit from the stability of fixed repayments. The loan features structured terms and transparent fees. These aspects help with effective budgeting and financial planning throughout the loan period.

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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