HSBC Personal Loan

Minimum loan amount

P 30,000

Minimum annual income

P 168,000

Add-on interest


Product Summary


HSBC Personal Loan

Looking to renovate or improve your home life? Satisfy your dream home improvement needs with an HSBC Personal Loan. Borrow up to ₱500,000 and avail flexible monthly installments up to 36 months. Plus, pay less in interest for as low as 0.65% monthly.

  • Borrow money up to ₱500,000
  • Get approved within 5 to 7 banking days
  • Pay in 6, 12, 18, 24, or 36 monthly installments
  • Get as low as 0.65% add-on interest for 24 months
  • Ideal for: home renovation, buying furniture
Age21 to 60 years old
Minimum Annual IncomeP168,000
Credit CardNot Required
Landline NumberRequired

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HSBC Personal Loan Review

Our dreams are dependent on many resources such as time, money, and support from others. Unfortunately, money isn’t easy to come by and what you’re earning now might still not be enough. Let HSBC Personal Loan help you with its convenient payment channels and fast loan approval.

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 Requirements for Filipinos

  • Valid government-issued ID, proof of residential address (PORA), and proof of income or business registration
  • Proof of income:
    • Employed: Most recent 1-month payslip and latest ITR or BIR Form W-2 or other valid ITR alternatives
    • Self-employed:
      • ITR and Audited Financial Statement for the last 3 years for the same business
      • DTI/SEC Certificate of Registration
      • Business or Mayor’s Permit
      • Bank statement for the past 3 months from at least a 1-year active account

HSBC Personal Loan Requirements for Foreign Nationals

  • Employed - Copy of valid resident visa or copy of valid non-resident visa. Only those with 1-year residency are allowed to apply
  • Self-employed - Copy of valid resident visa or copy of valid non-resident

Loan Rates and Sample Computation

To get a sample computation of your HSBC Personal Loan, head down to the nearest HSBC Loan branch or call them at (02)8858-0000 or (02)7976-8000. You can also send them an email at

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


Borrow money for as low as ₱30,000 and as high as ₱500,000. An HSBC Personal Loan is perfect for renovating and furnishing your new home.

If you apply for a loan with a 24-month term, you pay less on monthly add-on interest for as low as 0.65%. Aside from this, HSBC charges ₱500 on loan amendments and 36% per annum on overdue payments and installments.

Upon receiving your required documents, HSBC will take 5 to 7 banking days to process your loan application.

Once your loan application is approved, you can withdraw your loan within 2 to 3 banking days from the approval date. Head down to the HSBC branch you have indicated in your application.

Unfortunately, HSBC doesn’t allow loan applications under joint names.

For any further concerns regarding your loan application, you can contact HSBC via the following hotlines:

  • (02) 8858 0000
  • (02) 7976 8000
  • +1 800 1 888 8555


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