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HSBC's Personal Loan
Personal Loan benefits and features
Be it preparing for your bundle of joy, furthering your education or improving your home, HSBC's personal loan help meet your needs with extra cash.
- Extra cash of up to four times^ your salary
HSBC's personal loan offers you more of the things you need at a more affordable rate. You can now borrow up to four times^ your monthly salary or up to S$100,000, whichever is lower, for any purpose you wish.
- Regular loan repayments
Enjoy greater control with equal monthly instalments.
- No guarantor or collateral required
Enjoy totally hassle-free, easy application.
- Longest loan tenor of up to 7 years*
With a choice of loan periods between two to seven years, you have the flexibility to choose a repayment period that is right for you.
- Affordable low interest rates
Enjoy interest rate of 12.8% p.a. for loan tenor of two to four years, and 14% p.a. for loan tenor of five to seven years (EIRs: from 13.21% p.a. to 14.34% p.a.). Plus, you'll enjoy further interest rate discounts when you take up our suite of banking services.
Apply online and enjoy 50% off processing fee at 0.75% of the approved loan amount (subject to a minimum of S$50)+.
- 24-hour Assistance
Call our 24-hour Customer Service Hotline on 1800-HSBC NOW (4722 669) in Singapore or (65) 6-HSBC NOW (4722 669) from overseas.
Personal Loan terms and conditions
* Information is accurate as of 24 February 2010.
# One hour approval in-principle terms and conditions apply.
Personal Line of Credit and Personal Term Credit terms and conditions
^Minimum annual income of S$40,000 is required. The total loan amount for your HSBC's personal loan will be capped at up to four times your monthly income as indicated in the income documents, subject to a maximum of S$100,000, or an amount HSBC may in its absolute discretion determine. However, this is subject always to your aggregate maximum credit limit with HSBC for all unsecured facilities, regardless of the number of HSBC Credit Card(s) and/ or Unsecured Loans Facility you hold or apply for, being no more than four times your monthly income. For annual income of between S$30,000 to S$39,999, loan amount will be up to two times your monthly income, subject to a maximum of S$100,000, or an amount HSBC may in its absolute discretion determine.
Next steps
Call us on 1800-HSBC NOW (4722 669) in Singapore or (65) 6-HSBC NOW (4722 669) from overseas
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