Top of main content
Pushing an engine start button of a car; image used for HSBC Australia car loan page.

HSBC Car Loan

Let our competitive Car Loan interest rates put you in the driver’s seat.

Why choose a car loan from HSBC?

Have your heart set on a new car? Or have you been looking longingly at a second hand one?

 

Whatever you’re after, give yourself the best chance to get a great deal with pre-arranged finance.

 

By getting your Car Loan sorted first, you’ll have your finance secured so you can negotiate more confidently when buying your new car. You’ll know what your spending limit is, what your repayments will be each month, and you’ll be able to drive away faster. Borrow what you need, from $5,000 to $50,000 with flexible loans terms from 1 – 5 years.

For a limited time only

12.99% p.a.
Flat Rate
13.54% p.a.

Comparison Rate

^Comparison rate warning applies

Receive funds in 3 easy steps

  1. Apply Online – Tell us how much you want to borrow and complete the application.
  2. Verify yourself online – We can verify your identity and upload your documents online.
  3. Receive the funds – Funds will be released to your account the next day upon approval of the loan and acceptance of your letter of offer. 

Get a personalised interest rate

Rates and fees for a Car Loan
Fee Type Details
Fixed interest rate

Flat rate 12.99% p.a.

Comparison rate (^Comparison rate warning applies)
13.54% p.a.
Establishment fee
$150
Monthly account servicing fee
$5
Early termination fee1
$199
Rates and fees for a Car Loan
Fee Type Fixed interest rate
Details

Flat rate 12.99% p.a.

Fee Type Comparison rate (^Comparison rate warning applies)
Details 13.54% p.a.
Fee Type Establishment fee
Details $150
Fee Type Monthly account servicing fee
Details $5
Fee Type Early termination fee1
Details $199

Fees apply for other account services. Please refer to our current Personal Banking Booklet (PDF, 1.50 MB) for full details.

Ready to apply for an HSBC Car Loan?

Are you eligible?

To apply for an HSBC Personal Loan, you'll need to:

  • Be aged 18 years or older
  • 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
  • Be an Australian citizen, permanent resident, or hold an eligible visa
  • Earn at least AUD40,000 per year
  • Have a good credit rating

Information needed

  • Identification
  • Address details
  • Income and employment

What to expect

  • Apply online
  • Get a response in 60 seconds
  • Track application and upload documents online

Car Loan FAQ’s

What is the interest rate on an HSBC Car Loan?

For a limited time only

Flat Rate                                 12.99% p.a.

Comparison Rate                    13.54% p.a. 

The comparison rate is based on an unsecured loan of $30,000 over the term of 5 years. 

Fees apply for other account services. Please refer to our current Personal Banking Booklet for full details.

What are the fees associated with an HSBC Car Loan?

The following fees apply to an HSBC Car Loan:

  • $150 Establishment Fee.
  • $5 Monthly Servicing Fee.
  • $199 Early Termination Fee1.

These fees are applied to the loan balance and form part of your fixed monthly repayment.

How long does it take to apply for an HSBC Car Loan?

You can apply online in around 10 minutes. You will then receive a response in 60 seconds.

How quickly will I receive the funds once my Car Loan is approved?

The funds from your Car Loan finance are credited to your nominated account within 2-3 business days from the day your Car Loan gets approved.

How much do I need to earn to apply for an HSBC Car Loan?

To apply for an HSBC Car Loan you need to be earning over $40,000 p.a. and have a good credit rating. You will also need to be over 18 years old and an Australian resident.

Let's get your application started

Apply Online

By clicking on Get started, you will be taken to our online application and get a response in 60 seconds.

Want a callback?

Complete the online enquiry form and one of our

Consultants will call you back within 2 business days.

If you need additional support with your application, please call us on 1300 131 605 (Monday to Friday, 8:00am to 8:00pm AEST) or visit your local branch.

Important information

You might be interested in

Holding a laptop on hand; image used for HSBC Australia personal loans page.
 

View all of our HSBC personal loans that are available.

A bouquet of roses on the desk; image used for HSBC Australia wedding loan page.
 

Make your special day even more memorable with the freedom and flexibility of a wedding loan.

A woman putting a mat on beach side; image used for HSBC Australia holiday loan page.
 

A holiday loan will see your vacation really take off with competitive rates on a super flexible loan.

A red paint color tin can and a brush on the floor; image used for HSBC Australia renovation loan page.
 

A renovation loan could allow you to start planning your renovations sooner.

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.

^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.

Rate is applicable to new applications. Early termination fee does not apply in the last 6 months of the loan term.