You could be approved and receive funds today. 

5.99% APR1

Fixed rates as low as 5.99%

Up to $50,0001

Borrow amounts from $3,000 - $50,000

2 to 5 years5

Repayment terms available

Here's 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.

  • Upon approval, and once you sign the promissory note, your money can be immediately deposited into your HSBC account, or an official check can be provided. 

  • No payment due in the first 50 days from account opening
  • Fixed monthly payments
  • No Origination Fees
  • No Prepayment Fee if you payoff early
  • No Annual Fee

Ready to check your rate and apply for an HSBC Personal Loan?

Visit us at your local HSBC branch or chat with us to learn more.

Find a branch

1. Check your rate in 5 minutes

with no impact to your credit score, in as few as 5 minutes.

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.

What you need to apply

Who can apply for a Personal Loan?

  • The HSBC Personal Loan is available to all consumers4
  • 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 address4
  • Proof of income
  • For new HSBC customers, bank statement from an active checking, savings, or certificate of deposit account with any U.S. financial institution

An HSBC Personal Loan can be used for

Debt Consolidation2

Vacation or Trips

Home Improvements

Moving expenses

Unexpected Expenses

Weddings

HSBC Personal Loans are the smart way to achieve your goals – like consolidating high interest debt5

Here's what your savings 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.

You could lower your monthly payment by up to $107 per month and save $3,858 in interest over 36 months with an HSBC Personal Loan. 

 

Calculate your monthly payments

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

How much can I borrow?

HSBC Premier Clients6

$3,000 to $50,000

Available to HSBC Premier6 and Jade clients.

HSBC Advance Customers7

$3,000 to $35,000

Available to HSBC Advance customers7.

HSBC Personal Banking Customers

$3,000 to $30,000 

Available to HSBC Personal Banking customers – with a Choice Checking8 or Basic Banking9 account – and New HSBC Customers without a deposit relationship.

Ready to check your rate and apply for an HSBC Personal Loan?

Visit us at your local HSBC branch or chat with us to learn more.

Find a branch to apply

How it works

What is an HSBC Personal Loan? 

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What can I use an HSBC Personal Loan for? 

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Is there an Annual Fee? 

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How quickly will I get my money? 

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Will my credit score be impacted? 

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When is my first payment due? 

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Chat with us to learn more

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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 mortgage10 to 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. The APR on your Personal Loan may be higher and 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.

2 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.

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 Loans are not available to residents of Wisconsin or any US territories.

5 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 5.99% APR has a required monthly payment of $610, assuming on-time payments. The APR on your HSBC Personal Loan could be higher based on your credit history among other factors.

6 To qualify for an HSBC Premier relationship (which includes HSBC Jade), 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 To qualify for an HSBC Choice Checking relationship, you need to open an HSBC Choice Checking account and maintain combined balances in U.S. Dollar personal deposit accounts and investment* balances of at least $1,500 OR maintain a recurring direct deposit from a third party to an HSBC Choice Checking account at least once per calendar month.  A monthly maintenance fee of $15 will be incurred if minimum balance or recurring direct deposit requirement is not met.

9 Basic Banking has no minimum balance requirement and the monthly maintenance fee is $3. There is no charge for the first eight checks/withdrawal slips you write, then you will be charged $ .35 per check or withdrawal.

10 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.  

HSBC Mastercard® Credit Cards are issued by HSBC Bank USA, N.A., subject to credit approval and may require a U.S. HSBC checking account relationship. To learn more, speak with any HSBC branch representative. 

Select Credit is a personal line of credit issued by HSBC Bank USA, N.A., subject to credit approval and are only available for customers who are opening and are approved for or hold an existing consumer deposit relationship (Checking, Savings or Certificate of Deposit) with HSBC Bank USA, N.A. To learn more, please speak to an HSBC Bank USA, N.A. representative for product and pricing details.

*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 properties 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 cancelled 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.