HSBC Personal Loan
With our Personal Loan product, you can consolidate debt, purchase a car, pay for a wedding, pay for education expenses, pay for a holiday, pay for renovation cost and more.
- From
- 12.99%
- 13.54% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 year This is a fixed flat rate product | 12.99% | 13.54% | — |
| Fixed · P1.5Y This is a fixed flat rate product | 12.99% | 13.54% | — |
| Fixed · 2 years This is a fixed flat rate product | 12.99% | 13.54% | — |
| Fixed · P2.5Y This is a fixed flat rate product | 12.99% | 13.54% | — |
| Fixed · 3 years This is a fixed flat rate product | 12.99% | 13.54% | — |
| Fixed · P3.5Y This is a fixed flat rate product | 12.99% |
Fees
| Fee | Type | Amount |
|---|---|---|
| Establishment Fee A one off establishment fee cost is charged for setting up the personal loan | Upfront | $150.00 |
| Monthly Account Servicing Fee Charged monthly · A monthly account servicing fee | Ongoing | $5.00 |
| Early Termination Fee Early termination fee is charged when a personal loan gets paid out early, the fee does not apply in the last 6 months of the loan term. | Exit | $199.00 |
| Dishonour Fee Fee is charged if a payment made to us is dishonoured, including cheques or direct debit payments | Event | $5.00 |
| Late Payment Fee Fee is charged if you do not make a full repayment of the amount due within 3 days of the due date. | Event | $30.00 |
Features
- Digital banking
- View your account, balances, recent transactions and statements via Online Banking or Mobile Banking App
- Extra repayments
- You can make extra repayments at any time which will save on interest and pay off the loan faster. Fees may apply if loan term is more than 6 months
- Fixed Monthly Repayments allows certainty of repayments over the loan term
- Flexible loan terms from 1 - 5 years
- Unsecured Loan which does not require any type of security
Eligibility
- Individuals onlyBe an Individual
- Minimum income — $40,000.00 p.a.You will be required to earn an income of at least $40,000 p.a.
- Residency status — Be an Australian citizen, permanent resident, or hold an eligible visa
- Minimum age — 18 yearsIndividual must be 18 or over
- Have a good credit rating
- Be an existing HSBC Australia customer for at least 12 months; or have an existing Mortgage with HSBC; or hold HSBC Premier status at the time of application
Constraints
- Minimum limit — $5,000.00The minimum loan amount that can be borrowed is 5000.00
- Maximum limit — $50,000.00The maximum loan amount that can be borrowed is 50000.00
More Information
Published by HSBC under the Consumer Data Right · Last updated 10 December 2025 · Product ID LNSUPL · View on CDR.gov.au