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Pay for your child’s GEMS Education school fees with simple monthly payments.

Help secure your child’s education

While you take care of your child’s best interest, we’ll take care of your saving on interest. The new HSBC Loan-AsYouGo flexible borrowing solution allows you to split your loan into smaller portions to match school term fee payments.[@loanapproval] We'll even make the payments to your school for you every term while you repay the loan instalments every month.

Why get a Loan-AsYouGo with us?

  • Save up to 60% on interest costs
    Split your loan into smaller portions and save up to 60% of your interest cost.[@schoolfees]
  • Simple, hassle-free payments
    Your loan payments are made directly to the school, in line with your fee schedule.[@gemsloaneligibility]
  • Quick and easy to apply
    One of our loan advisers will call you back to complete your application.[@callback]

Rate information

Representative example:
Loan feature HSBC Loan-AsYouGo Conventional loan
Total tuition fee AED 100,000 AED 100,000
Number of tranches 3 (AED 40k, 30k, 30k) Not applicable
Loan term (months) 10 months 10 months
Total interest payable AED 1,650 AED 4,150
Total saving on interest AED 2,500 Not applicable
Representative example:
Loan feature Total tuition fee
HSBC Loan-AsYouGo AED 100,000
Conventional loan AED 100,000
Loan feature Number of tranches
HSBC Loan-AsYouGo 3 (AED 40k, 30k, 30k)
Conventional loan Not applicable
Loan feature Loan term (months)
HSBC Loan-AsYouGo 10 months
Conventional loan 10 months
Loan feature Total interest payable
HSBC Loan-AsYouGo AED 1,650
Conventional loan AED 4,150
Loan feature Total saving on interest
HSBC Loan-AsYouGo AED 2,500
Conventional loan Not applicable

This table shows an example of how much you can save on interest on a loan for a total tuition fee of AED 100,000. This is for illustration purposes only. Final figures and pricing will differ based on individual circumstances.

If you use an HSBC Loan-AsYouGo, payments for different terms will be disbursed partially: AED 40,000, AED 30,000 & AED 30,000. In that case the total interest payment will be approximatively AED 1,650.

Alternatively, if you borrow the full amount of AED 100,000 at the start of a school year with a conventional loan, the total interest payable will be approximatively AED 4,150.

This illustration is based on a Premier customer – working for a listed company with HSBC and transferring their salary to HSBC – taking out a personal loan of AED 100,000 for 10 months at a 9.99% annual percentage rate.[@aprloan]

Things to know

Who can apply?

You can apply for a Loan-AsYouGo if you:

  • Are a UAE national or resident
  • Are aged 21 to 65
  • Earn at least AED 7,500 a month[@loanapproval]
  • Have or will open an HSBC current account and transfer your salary into it
  • Are paying your child's tuition fees with GEMS Education[@gemsloaneligibility]

You may have to pay penalties if you pay off a loan/financing early.

If you do not meet the repayments/payments on your loan/financing, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future.

Refinancing your loans/financing may take longer to pay off than your previous loan/financing and may result in paying more in interest/profit.

Ready to apply for a Loan-AsYouGo?

To apply for a loan or to find out more, request a callback and speak with a member of our team.

We'll get back to you during working hours, Monday to Friday, 09:00 to 16:30. If you contact us outside these times, we aim to get back to you on the next working day. We may record calls to help improve our service to you.

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Additional information

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