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Personal Loans

Make your plans a reality today with an HSBC Personal Loan

Personal Loan

Everyone's dreams and goals are different - from buying a new car to a well-deserved holiday, the perfect wedding, home renovations or just financial peace-of-mind. Make your plans a reality today with an unsecured personal loan from HSBC.
  • Flexible loan terms from 1 - 5 years.
  • Quick online application in 10 minutes, get a response in 60 seconds.
  • Flexible loan amounts to suit your needs, from $5,000 to $50,000.
  • Fixed set monthly repayment terms to help you manage your budget.
By clicking on Apply now, you will be taken to a short form hosted by our partner Equifax, to determine your Equifax Score Band and the indicative interest rate you could be eligible for.

Interest Rates

from

8.50% p.a.1

Fixed Rate

from

9.06% p.a.

Comparison Rate

The comparison rate is based on an unsecured loan of $30,000 over the term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Car Loan

How a new or used car loan can put you in the driver's seat:
  • Flexible loan terms from 1 - 5 years.
  • Full approval & peace of mind when buying your car.
  • Quick online application in 10 minutes, get a response in 60 seconds.
  • Funds transferred to your account within a couple of days upon approval.
By clicking on Apply now, you will be taken to a short form hosted by our partner Equifax, to determine your Equifax Score Band and the indicative interest rate you could be eligible for.

Interest Rates

from

8.50% p.a.1

Fixed Rate

from

9.06% p.a.

Comparison Rate

The comparison rate is based on an unsecured loan of $30,000 over the term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Holiday Loan

The best holiday offers sell out fast. But what if you don't quite have enough cash to book that amazing deal? That's where a holiday loan comes in.
  • Flexible loan terms from 1 - 5 years.
  • Borrow from $5,000 to $50,000 for that short break or round the world tour.
  • Fixed set monthly repayment terms to help you manage your budget.
  • Quick online application in 10 minutes, get a response in 60 seconds.
By clicking on Apply now, you will be taken to a short form hosted by our partner Equifax, to determine your Equifax Score Band and the indicative interest rate you could be eligible for.

Interest Rates

from

8.50% p.a.1

Fixed Rate

from

9.06% p.a.

Comparison Rate

The comparison rate is based on an unsecured loan of $30,000 over the term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Renovation Loan

There's so much to think about when renovating - but at least with a renovation loan, budgeting for those little extras is one less thing to think about.
  • Flexible loan terms from 1 - 5 years.
  • Funds transferred to your account within a couple of days upon approval, so you can start renovating sooner.
  • Borrow from $5,000 to $50,000, so you’ll have enough to cover any unexpected surprises.
  • Quick online application in 10 minutes, get a response in 60 seconds.
By clicking on Apply now, you will be taken to a short form hosted by our partner Equifax, to determine your Equifax Score Band and the indicative interest rate you could be eligible for.

Interest Rates

from

8.50% p.a.1

Fixed Rate

from

9.06% p.a.

Comparison Rate

The comparison rate is based on an unsecured loan of $30,000 over the term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Wedding Loan

Make planning for your special day stress-free with the freedom & flexibility a wedding loan can bring.
  • Flexible loan terms from 1 - 5 years.
  • Quick online application in 10 minutes, get a response in 60 seconds, so you can lock in that venue.
  • Flexible loan amounts to suit your wedding size, from $5,000 to $50,000.
  • Fixed set monthly repayment terms to help you manage your wedding budget.
By clicking on Apply now, you will be taken to a short form hosted by our partner Equifax, to determine your Equifax Score Band and the indicative interest rate you could be eligible for.

Interest Rates

from

8.50% p.a.1

Fixed Rate

from

9.06% p.a.

Comparison Rate

The comparison rate is based on an unsecured loan of $30,000 over the term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Debt Consolidation Loan

A debt consolidation loan is the best way to bring all your financial commitments into one place.
  • Flexible loan terms from 1 - 5 years.
  • Save on fees & pay only one set of account fees for all your debts.
  • Fixed set monthly repayment terms to help you take control of your finances.
  • Quick online application in 10 minutes, get a response in 60 seconds.
By clicking on Apply now, you will be taken to a short form hosted by our partner Equifax, to determine your Equifax Score Band and the indicative interest rate you could be eligible for.

Interest Rates

from

8.50% p.a.1

Fixed Rate

from

9.06% p.a.

Comparison Rate

The comparison rate is based on an unsecured loan of $30,000 over the term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Apply by phone or branch 

Terms & Conditions 

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence 232595. Fees, charges, terms & conditions apply. HSBC's lending criteria apply. Visit hsbc.com.au or call 132 152.


All applications are subject to HSBC lending criteria. Personal Loan Terms (PDF, 684 KB) Personal Banking Booklet (PDF, 1.50 MB)  apply.

1 Rates are applicable to new applications. Based on the applicant’s Equifax Score Band Interest rates range from 8.50% p.a. to 16.99% p.a. Rates are subject to change, and the lowest rate may be different from those advertised. Early termination fee does not apply in the last 6 months of the loan term.

2 Rates are applicable to new applications and are subject to change. Early termination fee does not apply in the last 6 months of the loan term.

HSBC has partnered with the Australian consumer credit reporting body Equifax. When obtaining your Equifax Score Band, a soft credit check is performed, which will not impact your credit rating.