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Personal Loan

Money alone doesn’t turn someday into this day. You do.

HSBC Personal Loan

Whether you're considering home improvements or need to pay for education, turn your plans into reality with a Personal Loan. Rates starting from 5.99% per annum.1 & 2

Already an HSBC Customer?

Log on to online banking for the quickest and easiest way to apply.

Why you'll want an HSBC Personal Loan

  • Flexible terms

    Pay your loan back over 6 to 48 months.

  • Individualized interest rate

    Get an interest rate based on your profile.

  • Adaptable to meet your needs

    Top-up option to accommodate your ever-changing financial needs.1

  • No need for Credit life insurance

    Take out your loan without having to pay for extra insurance.

  • Quick decision

    Get an approval in principle on your loan in 10 minutes if you apply online.1

How much can I borrow?

Use our Personal Loan Calculator to adjust how much you’d like to borrow and over how many months.

You might be able to reduce your monthly repayments, and total amount payable by slightly adjusting the amount you borrow.



**The staff of the General Head Quarters of the UAE Armed Forces can avail Personal Loan up to 60 months provided other eligibility criteria are met.


Please note that the figure provided does not take into account your individual circumstances. We strongly recommend that you get a Decision in Principle, which is a personalised estimate of how much you could borrow. Please also refer to the 'Things you should know' section.

Are you eligible?

You can apply for a Personal Loan if you:

  • are a UAE national or resident
  • are between 21 and 65 years old
  • earn at least AED 7,500 a month2
  • have a current account with HSBC and credit your salary to that account

Things you should know

Representative example

The table shows a typical example of monthly instalments for an HSBC Personal Loan.

Total loan amount Repayment time Monthly instalment3
AED 100,000 48 months AED 2,488

The table shows a typical example of monthly instalments for an HSBC Personal Loan.

Total loan amount AED 100,000
Repayment time 48 months
Monthly instalment3 AED 2,488

How to apply

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1Rate based on reducing balance.

2Final approval is subject to satisfactory documentation, salary transfer, internal policies and credit bureau checks.

3This example is calculated on the basis of an Advance customer applying for a personal loan of AED 100,000 for 48 months at an interest rate of 8.99%. This customer is also working for a company listed with HSBC as an Approved Employer.

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