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Personal Loans

Receive funds as soon as today with an HSBC Personal Loan.

Existing HSBC Premier1 Clients

  • Fixed rates as low as 5.99% APR2

  • Loan amounts from $3,000 - $50,0002

  • Loan terms from 2 to 5 years3

If approved, your money can be deposited into your HSBC account immediately.

Calculate your monthly payments

See what your monthly payments could be by adjusting the amount you want to borrow, and the repayment term that’s right for you.

Benefits of an HSBC Personal Loan

  • Checking your rates and terms can take as few as 5 minutes without impacting your credit score

  • Fixed monthly payments

  • No payment due within the first 50 days from account opening

  • No Origination Fees

  • No fee if you payoff early

  • No Annual Fee

Here's what your lower monthly payments could look like:

This image shows a comparison between the separate payments made on two separate high-interest credit cards verses the single payments made on an HSBC Personal Loan.  High-interest credit card Number 1 has a balance of $10,000, APR of 18.99%, Monthly Payment of $366.00, and total interest paid over a thirty-six month period of $3,194.00.  High-interest credit card Number 2 has a balance of $10,000, APR of 15.99%, Monthly Payment of $351.00, and total interest paid over a thirty-six month period of $2,654. The separate payments on the credit cards are compared to a combined single payment on an HSBC Personal Loan.  The HSBC Personal Loan shows a balance of $20,000, APR of 5.99%, Monthly Payment of $610.00, and total interest paid over a thirty-six month period of $1,990.  Consolidating the High-interest credit card balances to an HSBC Personal Loan as described would result in a lower total monthly payment by $107.00 and interest savings of $3,858.00 over a thirty-six month period.


Who can apply for a Personal Loan?

  • The HSBC Personal Loan is available to all existing HSBC Premier Clients4
  • You must be 18 years of age or older5

What I may need to provide for a Personal Loan application

  • Proof of U.S. residential address
  • Proof of income

Apply for an HSBC Personal Loan

Existing customers may apply online or in a Wealth Center.

How it works

More borrowing options


Earn more with your choice of reward credit cards and get the most of your HSBC relationship.


Turn your home’s equity into a source of cash for home improvements, debt consolidation, or other major expenses.


Improve your monthly cash flow by refinancing your mortgage7 to lower payments, enjoy an early payoff, lock in a rate, or to access equity for expenses.

1 To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and maintain balances of $75,000 in combined U.S. Dollar personal deposit accounts and investment* balances OR recurring direct deposits totaling at least $5,000 from a third party to an HSBC Premier checking account(s) per calendar month OR an Existing HSBC U.S. residential mortgage loan with an original loan amount of at least $500,000. Business owners may use their qualifying HSBC U.S. Dollar commercial balances to qualify for a personal Premier relationship. A monthly maintenance fee of $50 will be incurred if one of these requirements is not maintained.

2 Personal loan products are offered in the U.S. by HSBC Bank USA, N.A and are subject to credit approval. 5.99% is the lowest available APR and assumes excellent credit and a loan term of 36 months or less. The APR on your Personal Loan may be higher and will be based on your credit history, among other factors. Personal Loans require a U.S. HSBC Premier  banking relationship. Borrowers must continue to meet the criteria used to select the Borrower for this offer and must satisfy pre-determined underwriting criteria. Programs are subject to change. Eligibility is subject to geographic, relationship, and other restrictions and conditions. Repayment term restrictions may apply.

3 Interest and monthly payment savings is an estimate for illustration purposes only. Credit card Monthly Payment and Interest Paid are based on equal payments for 3 years. For example, a $20,000 HSBC Personal Loan with a 3-year term and a 6.99% APR has a required monthly payment of $620, assuming on-time payments. The APR on your HSBC Personal Loan could be higher based on your credit history. Repayment term restrictions may apply.

4 Loans are not available to residents of Wisconsin or any U.S. territories.

5 Consumers must be at least 18 years of age to apply. Residents of Nebraska and Alabama must be at least 19 years of age.

6 If you are using this loan to repay existing debts, before you apply, we encourage you to carefully consider whether consolidating your existing debt is the right choice for you.

7 If you are a service member on active duty looking to refinance your mortgage loan, please consult your legal advisor regarding whether your existing mortgage loan is eligible for benefits under the Servicemembers Civil Relief Act and how a refinance may impact those benefits.

* Investment, annuities, and variable life insurance products are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. In California, HSI conducts insurance business as HSBC Securities Insurance Services. License #: OE67746. HSI is an affiliate of HSBC Bank USA, N.A. Whole life, universal life, term life, and other types of insurance are offered by HSBC Insurance Agency (USA) Inc., a wholly owned subsidiary of HSBC Bank USA, N.A. Products and services may vary by state and are not available in all states. California license #: OD36843Investments, Annuity and Insurance Products:  Are not a deposit or other obligation of the bank or any of its affiliates; Not FDIC insured or insured by any federal government agency; Not guaranteed by the bank or any of its affiliates; and may lose value. All decisions regarding the tax implications of your investment(s) should be made in consultation with your independent tax advisor.

Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for property located in the U.S. Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be canceled or are subject to change at any time and cannot be combined with any other offer or discount.

Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

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