Why should waiting for a Personal Loan feel like forever?

Personal loan

Get an HSBC Personal Loan starting from 5.99% p.a. in under 48 hours without waiting for that first salary credit

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 recently landed in the UAE or have just started a new job.

Here are the benefits:

  • Competitive interest rates from 5.99% p.a1
  • Receive your HSBC personal loans before your first salary is credited to HSBC
  • Loan approval in less than 30 minutes2

Become an Air Miles Millionaire now by applying before 13 December 2014*

Here’s just a few examples of where you could be jetting off to with one million Air Miles:

4 round trips to Europe
2 round trips to the US
8 round trips to Beirut
10 round trips to India

There’s more to Air Miles than just worldwide flights. You could also redeem your millions of Miles for hotel stays, electronics, dining experiences and more.

Visit to see what you could do with 1,000,000 Air Miles.

With an HSBC Personal Loan, you’ll also get:

High Loan amounts

UAE Nationals may be eligible for a maximum loan amount of AED 750,000 and for expats, the eligible maximum loan amount will be AED 500,000.
Defer your installments twice a year
Book 1 night and get 1 night free Annual fee free credit card3

You'll be eligible for 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 Loan4

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 them.
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 to the value of your original loan or higher. It could help to pay your kids’ school fees, or annual rent. Please 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

  • Call 800 LOANS (56267) and speak to an HSBC representative
  • Apply directly online by clicking the Apply Now button below
  • Visit your nearest HSBC branch and speak to an HSBC representative


You can apply for a Personal Loan if:

  • You’re a UAE National aged between 21 and 65 years
  • You’re an expatriate resident aged between
    21 and 65 years
  • You earn a minimum salary of AED 7,500 per month

Learn about applicable Fees & Charges
Learn more about documentation
Learn more about the Terms and Conditions

*Offer and bank’s general Terms and conditions, fees and charges, credit / eligibility criteria apply. Air Miles terms & conditions 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. 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