Personal Loans

New to HSBC Customer

Fixed rates as low as

6.99% APR¹

Loan amounts from

$3,000 - $30,000¹

Loan terms from

2 to 5 years⁴

Apply online

Our quick application process takes just a few minutes
If approved, you can receive your funds the next business day
Customers without an existing HSBC relationship can apply online

Existing HSBC Customer

Fixed rates as low as

5.99% APR¹

Loan amounts from

$3,000 - $50,000¹

Loan terms from

2 to 5 years⁴

Log on to apply

If approved, your money can be immediately deposited into your HSBC account, or an Official Check can be provided
Existing customers may apply online or 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

Eligibility

Who can apply for a Personal Loan?

The HSBC Personal Loan is available to all consumers²
You must be 18 years of age or older³

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 online or 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:

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.

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.

Personal loan calculator

How much can I borrow?

HSBC Premier Clients⁶

$3,000 to $50,000

Available to HSBC Premier and Jade clients

HSBC Advance Customers⁷

$3,000 to $35,000

Available to HSBC Advance customers

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.

Apply now

Existing HSBC Customer

Log on to Personal Internet Banking to apply.

Log on to apply

An HSBC Personal Loan can be used for

Debt Consolidation⁵

Vacation or Trips

Home Improvements

Moving expenses

Unexpected Expenses

Weddings

How it works

It’s money you borrow at a fixed interest rate and repay over a set period of time. There’s no collateral needed to apply. Your monthly payment amount never changes and can be automated, so you know exactly what to expect.

Once the money is deposited into your account, you can use it for almost anything you like¹, including: debt consolidation, trips or vacations, home improvements, and medical bills.

There is no Annual Fee. There also is no application fee or prepayment fee, if you pay off your loan early.

Existing HSBC customers - if approved and once you sign the promissory note, you may receive your funds instantly. Your money can be transferred into your U.S. HSBC checking account. If you don’t have an HSBC checking account you will be issued an official check for the loan amount.

New to HSBC customers - if approved and once you sign the promissory note (by 5pm EST on a business day), you may receive your funds the following business day. Your money can be transferred into any U.S. financial institution of your choice.

Before submitting an application, you will see which rates and terms are available to you with no impact to your credit score. Your credit score may be impacted once you submit an application.

Your first payment will be due approximately two months after account opening. During this period, your HSBC Personal Loan will accrue simple interest on a daily basis.

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.

Mortgage Refinancing

Improve your monthly cash flow by refinancing your mortgage⁸to lower payments, enjoy an early payoff, lock in a rate, or to access equity for expenses.

1 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. Loans above $30,000 require a U.S. HSBC Advance and 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.

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

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

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.

5 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.

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 balances of $5,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and investment‡ accounts OR a monthly recurring direct deposit from a third party to an HSBC Advance checking account OR an HSBC U.S. residential mortgage loan. Home Equity products are not included. 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.

Apply for an HSBC Personal Loan Online