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Why should waiting for a Personal Loan feel like forever?

Personal loan

Sometimes, you want money fast but you don't want to wait. With an HSBC Personal Loan, you can help yourself to the cash you need, exactly when you need it – whether you've just landed in the UAE or have just started a new job:

Here are the benefits:

  • Receive your Personal Loan before your first salary is credited to HSBC
  • Competitive interest rates starting from 5.99% p.a.1
  • Loan approval in less than 30 minutes2
  • Flexible repayments from 12 to 48 months

Some more benefits of a Personal Loan

A free airline voucher worth AED500 A hotel voucher booklet worth AED 150,000

"Book 1 night get 1 free" with hotel vouchers valid across more than 100 merchants worldwide
High Loan amounts

UAE Nationals may be eligible for a maximum loan amount of AED 750,000. For Expats, the eligibility is a maximum of AED 500,000.
Defer your installments twice a year
Book 1 night and get 1 night free Annual fee free credit card*

You'll automatically receive an annual fee free credit card, with your Personal Loan, so you'll have access to money whether you're on the beach in Rio or at a market in Marrakech.
12-Month Personal Loan

Every now and then, we all have yearly payments that come knocking on our doors. The HSBC 12-month Personal Loan is designed to help you settle those upcoming yearly payments.
Defer your installments twice a year
Book 1 night and get 1 night free Personal Loan Top-Up

HSBC offers you the opportunity to Top-Up your existing Personal Loan back to the original amount or higher, for paying your kids school fees, or your annual rent. Kindly note that Personal loan Top-Up facility is subject to eligibility and will be offered in line with HSBC's current credit policies.

How to apply

  • You can call 800 LOANS (56267) and speak to an HSBC representative
  • You can apply directly online by clicking the Apply Now button below
  • You can visit your nearest HSBC branch to speak to an HSBC representative
Yes, please call me


You can apply for a Personal Loan if:

  • You are a UAE National aged between
    21 and 65 years
  • You are an Expatriate resident aged between
    21 and 65 years
  • You earn a minimum salary of AED7,500

Learn about applicable Fees & Charges
Learn more about documentation

*Terms and conditions, fees and charges, credit / eligibility criteria apply.
1. Based on reducing balance
2. The approval is conditional based on the information provided. The approval is subject to the validation of information and documentation provided. HSBC reserves the right to withdraw the offer at any time.
3. Personal Loan amounts and HSBC Credit Card approvals are granted at the bank's sole discretion.
4. Credit criteria, fees and surcharges, terms and conditions apply
5. Maximum loan amount of AED 750,000 is eligible for UAE Nationals only. Maximum loan amount for Expats is AED 500,000.
6. For 12-month Personal Loan, in certain circumstances, additional documentation might be provided
The benefits set out above are current as at the date they appear on our website. However, these may be subject to change at any time at our discretion.

How to apply

Are you already an HSBC UAE customer?

Or call: 600 55 4722

What if I'm not eligible

HSBC works to develop products and services to meet your requirements. To simplify the criteria for each product we provide a minimum salary or deposit criteria.

Find out more about HSBC Personal Loans

Thank you for wishing to bank with HSBC. To apply for this product simply click Apply Now to fill out your details and let one of our experienced HSBC representatives call you back. Alternatively you can call us on the number below, whatever is more convenient for you.

Or call: 600 55 4722