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Personal Loans

Personal Loans

Invest in what matters most Memories

To make your next vacation an unforgettable one, we're offering 6-12 month Personal Loans. Rates starting from only 5.99%1

Apply online

Other benefits include:

  • Loan approval in principle within 10 minutes2
  • No credit life insurance required
  • Renewal options for 12 month loans
  • Simple HSBC Personal Loan Calculator to determine potential eligible loan amounts
How to take out a Personal Loan

There is a simpler way to calculate

Find out your personal loan eligibility and get easy approvals online in 10 minutes2 or less


Calculate

Decision in Principle*

At HSBC, you can now apply for a Personal Loan online and get an approval within 10 minutes.

  • Certainty of your loan amount - Using our Personal Loan Calculator you can find out:
    • Monthly instalment for the loan amount you require
    • Other loan amount options that you may be eligible for
  • Easy and convenient - Apply online anytime and from anywhere, including from the comfort of your home.
  • Save time and effort - No paper forms and no need to visit a branch or meet with one of our Personal Loan advisers.
How to take out a Personal Loan

Get a Personal Loan at a preferential rate starting from 6.74% p.a. and upgrade to HSBC Advance.


Upgrade now

Terms and conditions apply
Offer valid for employees of CEP companies only.
Minimum monthly salary transfer between AED 10,000 to AED 14,999 is required.

Personal Loan Calculator

The HSBC Personal Loan calculator is the easiest way to check your eligibility and monthly instalments.

In just a few simple steps, you can arrive at the exact loan amounts you might be eligible for and also check the monthly instalments for various repayment periods.

Representative example of calculator output

Total loan amount Repayment time Monthly instalment
AED 100,000 48 months AED 2,476*

Calculate now


*Example calculated for an HSBC Premier customer

Benefits 

Some more benefits of a Personal Loan

  • Easy and convenient
    Apply online anytime and from anywhere, including from the comfort of your home.
  • 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 600,000.
  • 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.
  • 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.

Eligibility

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 income of AED7,500

Learn about applicable Fees & Charges


Learn more about documentation



Product Terms and Conditions, fees and charges apply.

1Based on reducing balance, which is the interest calculated on a monthly basis on the remaining principal amount. Your interest rate is based on qualifying criteria; please contact us for details of the rate that will apply to your loan. An arrangement fee of 1% of the total loan amount will apply (minimum AED 500 and maximum AED 2,500)

2Valid for HSBC customers only. Loan approval is in principle and subject to satisfactory documentation submitted and credit bureau check.

Ready to apply?

Apply online to calculate your eligibility and get a response within 10 minutes1


Apply online

Apply by phone
call us on 800 444 7771

and get a decision* over the phone1

Would you like us to call you back?

Have us call you

Are you an existing HSBC customer?
Yes / No*

*To be eligible for an HSBC Personal Loan you must hold a current or savings account with us. To apply for an HSBC Account



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This link may allow you to access another HSBC Group website. Please read the terms and conditions of the linked website, which may differ from the terms and conditions of HSBC Bank Middle East Limited website.

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You are leaving hsbc.ae

This link may allow you to access a non - HSBC website. HSBC Bank Middle East Limited has no control over the linked website and is not liable for your use of it.

You are leaving hsbc.ae

This link may allow you to access a non - HSBC website. HSBC Bank Middle East Limited has no control over the linked website and is not liable for your use of it.

You are leaving hsbc.ae

This link may allow you to access a non - HSBC website. HSBC Bank Middle East Limited has no control over the linked website and is not liable for your use of it.

You are leaving hsbc.ae

This link may allow you to access another HSBC Group website. Please read the terms and conditions of the linked website, which may differ from the terms and conditions of HSBC Bank Middle East Limited website.

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