Rating based on 34 reviews

HSBC Personal Loan

  • Personal loans up to $50,000
  • Low-interest starting from 8.5%
  • Repayment up to 5 years

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Author HSBC Bank. Screenshot of HSBC Bank website.
[Accessed May 2, 2023]

HSBC Bank - We are the experts

HSBC is one of the world’s largest banks and credit providers in Australia and the rest of the world. We are a very popular choice when it comes to personal loans and other banking products.

Currently, we serve around 38 million clients through a variety of services that range from loan products to wealth management and includes both global and private global banking.

3,900 offices worldwide

Our banking network covers 67 countries where we have established 3,900 offices. We operate in Asia, Europe, the Middle East, Africa and America.

As a company, we strive to be where the growth is. We connect our clients to opportunities and us enable businesses to grow. Our company aims to bring quality products and services to clients worldwide.

Expert banking experience

HSBC was established in Australia in 1965 and we were awarded our banking license in 1986. With many years of banking experience, we are able to give you expert advice and quick loan services that will suit any lifestyle.

We offer a competitive service in the financial market. Getting a personal loan through us is easy and convenient. Over the years, we have served countless satisfied customers with loan products worldwide.

Qualify for a loan amount up to $50,000

HSBC is a proud sponsor of the Wallabies and Rugby Australia. Our partnership with the Wallabies builds our global rugby portfolio and this is used to build the relationship with our clients, and to reward our employees.

Our partnership with the Wallabies and our banking represent shared values, passion, integrity, respect, and teamwork. As a part of our partnership with rugby, we support the volunteer of the year that supports true heroes and rewards them for their service.

Personal loans

Every client's financial goals are different and that’s why we at HSBC give our clients a personalised long and short term loan service. Our expert agents will take the time to understand exactly what you need in order to reach your financial goals. Our personal loans are flexible and unsecured.

Why should I apply for a personal loan?

  • Quick and easy online loan application – after filling in the quick loan application form you will get feedback on your loan outcome within 60 seconds.
  • Flexible loan amounts – you can qualify for a loan that ranges between $5,000 and $50,000
  • Fixed payment plan – with a fixed monthly repayment amount it will make it easier for you to budget

Personalised interest rates on all personal loans – our interest rates range from 9.50% to 15.99% p.a. Complete a short application to find out your Equifax score and the indicative interest rate you can qualify for.

HSBC Bank – Personal loan

  • Loan Type Personal loans
  • Interest Rate 8.515.99% p/a
  • Loan Amount up to $50,000
  • Repayment 1 year to 5 years

Benefits of HSBC Bank

  • Fixed monthly repayments
  • Loan response in 60 seconds
  • Flexible loan amounts

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

HSBC – A reliable banking partner

Getting a personal loan from HSBC is as easy as visiting our website and filling in the application form.

We boast with one of the fastest emergency loan turnaround times, you will know the outcome of your loan within 60 seconds after applying.

How to apply

Visit our website and fill in the loan application form. For your loan to be processed, you must qualify for a loan with us and the criteria is as follows:

  • You must be at least 18 years’ old
  • You must have a minimum salary of $40,000 pa
  • Have a good credit score

With your application form, you must send us a copy of your ID, address details and details about your income and employment. Have these documents ready when you apply for a personal loan to ensure that we can process your loan application fast.

Debt consolidation loans

We have a wide variety of loans available, but the debt consolidation loan is designed to help you better manage your debt. When you feel like you are overwhelmed with debt and you can no longer pay your monthly instalments then debt consolidation is the solution for you. We calculate all of your debt, negotiate better repayment terms with your creditors and give you one affordable monthly payment. Debt consolidation is a long-term plan to get you out of debt. Visit our website or visit one of our many branches if you are unsure if debt consolidation is right for you. Our team can give you expert advice on making it possible for you to make an informed decision.

For expert banking and long and short term loan services, use HSBC as your reliable credit provider. With us, you will only get the best quality services and products.

man holding thumbs up

HSBC Bank is a trusted & reliable provider of personal loans

In our review, HSBC Bank adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ HSBC Bank is a registered credit provider in Australia: ACL 232595

Customer Reviews & Testimonials

My financial situation is not the same as anyone else’s, therefore, I needed a personal loan that was tailored to my circumstance and that is exactly what HSBC gave me. I can recommend them to an...

Aaliyah W
— Darwin —

The staff at HSBC Bank seem highly trained and well equipped to assist one in any query or question. Keep up the great service!

Lawrence C
— Perth —

The personal loan I was offered by HSBC was really a good deal. Not only was I given fair interest rates, but the fees and repayment terms were more than reasonable.

Michelle F
— Melbourne —

HSBC Bank Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:30 – 16:00
  • Tuesday 09:30 – 16:00
  • Wednesday 09:30 – 16:00
  • Thursday 09:30 – 16:00
  • Friday 09:30 – 17:00
  • Saturday – Closed
  • Sunday – Closed