Features & benefits
- Affordable interest rates as low as 12% per annum
- Get credit limit of up to SGD200,000
- Top up your HSBC deposit accounts automatically
- Pay interest only on what you use and enjoy flexibility on your monthly repayment
- Get quick access to cash through debit card, internet banking and complimentary chequebook
Overview
Affordable Prevailing Interest Rates |
Interest rate3 |
---|---|
HSBC Premier customers |
12% p.a. |
Retail Banking customers | 18.5% p.a |
Affordable Prevailing Interest Rates
|
HSBC Premier customers |
---|---|
Interest rate3
|
12% p.a. |
Affordable Prevailing Interest Rates
|
Retail Banking customers |
Interest rate3
|
18.5% p.a |
Promotional offers
Instalment Plan
Balance Transfer
Enjoy 0% p.a. interest for 6 months2 with processing fee as low as 1.5% (EIR 3.26% p.a. 3), conditions apply.
1Refer to Credit limit assignment.
2Personal Line of Credit General and Promotion Terms and Conditions apply.
3Interest is subjected to compounding if the monthly finance charges are not paid in full.
Apply for HSBC Personal Line of Credit
View supporting document
Apply online
Life won't wait. Take the first step towards greater things in life with extra cash today.
Apply via online banking
Please log on to your account via Personal Internet Banking for the quickest and easiest way to apply.
Already made an application?
Finish your application by uploading supporting documents and/or CPF Statement.
If you are an existing Personal Line of Credit customer
Auto Top-up
Enjoy the convenience in maintaining the balances in your HSBC Current/Savings accounts with HSBC Personal Line of Credit.
Credit Limit Review
Need a higher credit limit on your Personal Line of Credit?
Things to Note
Important updates
Changes to HSBC Personal Loan from 15 June 2020
We have enhanced our Personal Loans to give you a better experience. These are the changes that will take place with effect from 15 June 2020:
- HSBC Personal Loan will be re-named as HSBC Personal Instalment Loan.
- If you would like to apply for a personal loan, HSBC Personal Line of Credit (with the option of instalment plan or balance transfer) will be offered.
- For instances where the HSBC Personal Line of Credit Instalment Plan is not offered, we may, at our discretion, offer an HSBC Personal Instalment Loan instead, and a Statement Savings account will be opened to facilitate monthly repayments.
You might also be interested in

Personal loans
With fixed monthly repayments, low interest rates and tenor of up to 7 years, seize the opportunity to get more done with HSBC Personal Loans.

Debt consolidation
HSBC Debt Consolidation Plan is a refinancing programme to consolidate the outstanding balances from all your existing unsecured credit facilities.