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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 tenor between one to seven years, you have the flexibility to choose a repayment period that is right for you.
- Affordable low interest rates
Enjoy effective interest rate (EIR) of 13.8% p.a. for loan tenor of one to five years, and 15% p.a. for loan tenor of six to seven years. Plus, you’ll enjoy further interest rate discounts when you take up our suite of banking services.
Apply online and enjoy no processing fee.
- 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.
*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.
# One hour approval in-principle terms and conditions apply.
Personal Line of Credit and Personal Term Credit terms and conditions
^ Information is accurate as of 16 June 2010.
Calculate
Calculate your monthly instalment with HSBC's personal loan calculator!
Revision of Personal Line of Credit and Personal Term Credit Terms and Conditions
With effect from 1 May 2010, the clause relating to the "Disclosure of Information" in the Personal Line of Credit & Personal Term Credit Terms and Conditions will be revised. Please click here for more information.
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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