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HSBC Personal Loan

Make your house your dream home when you apply for an HSBC Personal Loan. Borrow up to ₱500,000 when you renovate or furnish your home and avail competitive interest rates.

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Default Repayment ₱50000 to be repaid in 12 months
12 mth
24 mth
36 mth

HSBC Personal Loan

HSBC Personal Loan
Monthly repayment
Monthly add-on interest rate
Total repayment
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Where Can I Use an HSBC Personal Loan?


HSBC Personal Loan is one of HSBC’s loans that you can use to support your life milestones, during emergencies, or pay for bills in one go. It can cater to unexpected cash needs since loan processing only takes 3-5 banking days, with cash arriving after 1-2 business days. Other examples of loan purposes include:

  • Car purchase - Important milestones sometimes require big-ticket purchases such as a bigger car for easy daily travel with your growing family. Make it possible with HSBC Personal Loan.

  • School expenses - No need to sacrifice your child’s or your dream of going to a prestigious school. Support genuine talent by getting a personal loan to pay for tuition fees or school needs.
  • Hospital expenses - Whether it’s an accident or planned visit, hospitalization can break the bank. Protect your finances with a personal loan that has flexible payment plans.

  • Bill payments - Do you have more bills to pay for than usual? Avoid service disconnection, late payment fees, and interest charges by paying for your fees in one go. Get a personal loan to better manage your current bills.

Who Can Get an HSBC Personal Loan?


Before applying for a loan, you need to meet the following HSBC Personal Loan eligibility criteria:

  • Above 21 or below 60 years old upon loan maturity
  • Permanent Filipino resident residing for at least 3 years in Metro Manila, Cavite, Rizal, Bulacan, Pampanga, Metro Cebu, or Davao City
  • Has 2 contact numbers from the following: residential landline, office landline, or mobile phone number
  • Source of income:
    • Employed - minimum gross monthly salary of ₱14,000 and 2 years combined employment with present or previous employer
    • Self-employed - ₱50,000

HSBC Personal Loan Rates

  • Loan amount: ₱30,000 to ₱500,000 or 3x your gross monthly salary, whichever is lower
  • Loan terms: 6, 12, 24, and 36 months
  • Monthly add-on rate: 0.65% for 24 months
  • Effective annual interest rate: 14.29%
  • Processing fee: 
    • ₱1,500, to be deducted from loan proceeds
    • 0.75% for Documentary Stamp Tax of the drawn lot amount that will be deducted from loan proceeds
    • Exempted from this are loans above ₱250,000