HSBC Personal Loans

Make your dreams a reality with a fixed rate HSBC Personal Loan.

Fixed rate
8.50% p.a.
Comparison rate
Establishment Fee
Monthly Service Fee

Enjoy the certainty of a fixed rate

  • Interest Rate
    8.50% p.a. fixed
  • Comparison Rate
    9.06% p.a.^
  • Establishment Fee
  • Monthly Service Fee

Secure online application

  • Clicking the Apply Now button will take you to your Online Application on the bank's website.
  • Your application will take less than 10 minutes to complete

HSBC Unsecured
Personal Loans

How to apply for a HSBC Personal Loan

If you are interested in applying for a HSBC Personal Loan, then it is as easy as clicking the 'apply now' button to be redirected to the online application form. Take a look at the application criteria and what you will need to apply:

Application criteria

Make sure you meet the following criteria before you apply:

  • Aged 18 years or over
  • Regular permanent income of at least $40,000 p.a.
  • You need to be a permanent resident of Australia or,
  • Non-residents: need to hold an acceptable visa and have confirmed employment in Australia.

Required information

  • Identification
  • Financial information, including details of your existing financial commitments
  • Income and employment details

If this loan sounds like it is right for you, hit the 'apply now' button to get the application process started.

Some Benefits of a HSBC Personal Loan

  • Flexible repayment terms

    Fixed set monthly repayment terms for the life of the loan to help you manage your budget.

  • Make extra repayments

    Make extra repayments to repay your loan faster. There is an early termination fee of $199 that you need to be aware of.

  • Loan terms

    Flexible loan terms from 1 to 5 years. Borrow between $5,000 and $50,000 (conditions apply)

  • Personalised interest rate

    Interest rates range from 8.50% (comparison rate of 9.06% p.a.^) to 16.99% p.a. depending on your eligiblity.

The HSBC Personal Loan

Whatever your goals and dreams are, make it happen with a HSBC Personal Loan. Benefit from being able to borrow between $5,000 and $50,000 (conditions apply) at a great fixed rate. The loan term you can select is between 1 and 5 years.

What we love...

It is hard to go past the low interest rate with this fixed rate loan. You can qualify for an interest rate as low as 8.50% p.a. Though it can be as high as 16.99% p.a. depending on your eligibility. It costs $150 to set up your HSBC personal loan and a monthly service of $5. The fixed rate with set monthly repayments allows you to budget easily. You can also make additional repayments with no penalties.

What’s not so great...

If you happen to pay off your loan before the fixed term ends you will have to pay a $199 early termination fee. With the HSBC Personal Loan, you should take note of the $5 monthly service fee ($60 annually). If you have a five year loan, that monthly service fee will cost you $300. But in comparison to the Westpac Unsecured Personal Loan with a $12 monthly service fee, this fee is not as significant amount.

HSBC Personal Loan

Why should you choose this personal loan?

Choosing the HSBC Personal Loan can make it easier to budget because it’s a fixed rate loan. If you want to make additional repayments you can to. The interest rate is competitive depending of what rate you qualify for. The establishment fee is reasonable and so is the monthly account service fee. As this is an unsecured loan, you don’t have to worry about putting up collateral. You can use the loan for a wide range of things, including a well-deserved holiday, wedding or home renovations. Whatever you want to spend it on. It’s also nice to know that the application process is quick and takes about 10 minutes. You will get a response in 60 seconds.

Overall Rating

A flexible unsecured personal loan with a low fixed rate, reasonable fees, ability to make extra repayments and a fast application process. Apply for the HSBC personal loan right now with a secure application process directly on the HSBC website.

Other Pros

  • Apply online in less than 10 mins
  • A fixed interest rate of 8.50% p.a. (comparison rate of 9.06% p.a.^) available for new loans only
  • Low $5 monthly service fee


  • Early termination fee of $199

HSBC Unsecured Personal Loans