- Our quick application process takes just a few minutes
- If approved, you can receive your funds the next business day
- Currently the online application is only available for customers without an HSBC relationship
- If approved, your money can be immediately deposited into your HSBC account, or an Official Check can be provided
- Existing customers may only apply in a branch
Here is what's great about an HSBC Personal Loan
- Checking your rates and terms can take as few as 5 minutes without impacting your credit score.
- No payment due in the first 50 days from account opening
- Fixed monthly payments
- No Origination Fees
- No fee if you payoff early
- No Annual Fee
What I may need to provide for a Personal Loan application
- Proof of U.S. residential address
- Proof of income
- For customers without an existing HSBC relationship, bank statement from an active checking, savings, or certificate of deposit account with any U.S. financial institution.
In 3 easy steps, you could receive funds fast
1. Check your rate in 5 minutes
with no impact to your credit score.
2. Apply in your local branch
for your pre-qualified loan offers.
3. Receive funds fast
if your application is approved and you sign the promissory note.
Here's what your lower monthly payments could look like:
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.
How much can I borrow?
All HSBC Customers & New to HSBC Customers
$3,000 to $30,000
Available to all HSBC customers who do not hold an HSBC Premier or Advance account and New HSBC Customers without an HSBC relationship
Ready to check your rate and apply for an HSBC Personal Loan?
New to HSBC Customer
Apply for an HSBC Personal Loan Online.
Existing HSBC Customer
Find a branch to apply for a Personal Loan.
An HSBC Personal Loan can be used for
How it works
What is an HSBC Personal Loan?Collapse Expand
What can I use an HSBC Personal Loan for?Collapse Expand
Is there an Annual Fee?Collapse Expand
How quickly will I get my money?Collapse Expand
Will my credit score be impacted?Collapse Expand
When is my first payment due?Collapse Expand
More borrowing options
HSBC Credit Cards
Choose from HSBC Mastercard® Credit Cards that offer cash back, rewards, bonus points, 0% Introductory APR, and more.
Home Equity Line of Credit
Turn your home’s equity into a source of cash for home improvements, debt consolidation, or other major expenses.
Select Line of Credit
Select Credit is a personal line of credit that allows you to borrow money as you need it, up to your available credit limit.
1 Personal loan products are offered in the U.S. by HSBC Bank USA, N.A and are subject to credit approval. The APR on your Personal Loan will be based on your credit history and banking relationship, among other factors. Loans above $30,000 require a U.S. HSBC Advance or Premier banking relationship. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply.
4 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.
6 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 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.
7 To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account and maintain combined balances in U.S. Dollar personal deposit accounts and investment‡ balances of at least $10,000 OR of at least $5,000 with a recurring direct deposit from a third party to an HSBC Advance checking account at least once per calendar month OR any HSBC U.S. residential mortgage loan. Business owners may use their qualifying HSBC U.S. Dollar commercial balances to qualify for a personal HSBC Advance relationship. A monthly maintenance fee of $25 will be incurred if one of these requirements is not maintained.
8 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 and certain insurance products, including annuities, are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI is an affiliate of HSBC Bank USA, N.A.
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.