New to HSBC Customer
If approved, you can receive your funds the next business day.
Existing HSBC Customer
If approved, your money can be deposited into your HSBC account immediately, or into a non-HSBC account within three business days.
If applying in a branch an Official Check can be provided.
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:
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
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, a bank statement from an active checking, savings or certificate of deposit account with any U.S. financial institution.
Apply for an HSBC Personal Loan
New to HSBC?
Customers without an existing HSBC relationship can apply online.
Existing HSBC Customer
Existing customers may apply online or in a branch.
How it works
What is an HSBC Personal Loan?
What can I use an HSBC Personal Loan for?
Is there an Annual Fee?
How quickly will I get my money?
Will my credit score be impacted?
When is my first payment due?
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. 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.
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 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.