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Personal Loans

Be with family this Ramadan, no matter the distance

Fly home with an HSBC Personal Loan from 5.99% p.a.1 and get 10,000 Air Miles

It's your big trip – there's so much you want to do. So why choose? With an HSBC Personal Loan, you can do more from your family's wish list with benefits you'll enjoy before and during your holiday.

  • Approval in less than 30 minutes2
  • Loan credited before your first income transfer to HSBC
  • Borrow up to AED 750,000 for UAE nationals and AED 500,000 for expatriates
  • No mandatory requirement for credit life insurance
  • 10% discount3 on Travel Insurance when you buy online

Get 10,000 Air Miles4 with every new loan or top up

Product terms and conditions, fees & 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.
2The approval is conditional on the information provided by you and validation of your documentation.
3The 10% discount is on the annual premium and will be automatically applied to on-line quotes. To benefit from the 10% discount, the policy must be applied for, bought and issued on-line. Travel insurance is provided by Zurich Insurance Middle East S.A.L. All Insurance benefits are provided by Zurich Insurance Middle East S.A.L and subject to policy terms & conditions. The policy holder will not hold HSBC responsible for any claims, processing or otherwise.
4Applicable only when loan application is successful and loan is booked before 30 July 2015. Air Miles will be credited to your Air Miles account by 15 August 2015. If you don’t have an Air Miles account, please visit www.airmilesme.com/register to create a new account.

Some more benefits of a Personal Loan

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.

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.

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.

*Terms and conditions, fees & charges, credit / eligibility criteria apply.
1Personal Loan amounts and HSBC Credit Card approvals are granted at the bank's sole discretion.
2Credit criteria, fees and surcharges, terms and conditions apply
3Maximum loan amount of AED 750,000 is eligible for UAE Nationals only. Maximum loan amount for Expats is AED 500,000.
4For 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.

Personal Loan Calculator

Use our new Personal Loan calculator to check your eligibility and monthly installment.


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


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

Learn about applicable Fees & Charges
Learn more about documentation

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