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Personal Loan

Which direction will you take if all directions are open?

HSBC Personal Loan

Make your plans a reality with a Personal Loan with flexible terms, a quick decision and rates starting from 6.74% annual percentage rate. This rate is available to Premier customers working for a listed company with HSBC who transfer their salaries to HSBC. And if you're looking to lower your carbon footprint, an HSBC Green Personal Loan can help to pay for the costs of solar panels for your home.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

  • Help restore ecosystems

    We will plant a tree on your behalf in the UAE.3

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.

HSBC Green Personal Loan

Live a more sustainable life with an HSBC Green Personal Loan, and get help to pay for the costs of solar panels for your home, while saving on your electricity bill.

HSBC Green Personal Loan comes with a preferential reduced rate of 5.99% per annum, with no processing fee. You can use this loan to exclusively finance the purchase and installation of solar PV panels to help lower your carbon footprint.

Currently, HSBC Green Personal Loans are only offered for the financing of solar PV panels purchased from Al Shirawi Solar LLC.

Also, with every successful application for an HSBC Personal Loan, a tree will be planted in the UAE at no extra cost to the customer, through our partnership with One Tree Planted LLC.

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 instalment4
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 instalment4 AED 2,488

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.

How to apply

You can apply for a personal loan by logging in to online banking. If you're interested in a HSBC Green Personal Loan, complete our callback form to speak to a member of our team. 

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1Annual Percentage Rate quoted is based on reducing rate which is fixed throughout the loan tenor, and is inclusive of 1% arrangement fee amortized over the maximum loan tenor of 48 months. Interest is calculated on the basis of a 365 day calendar year and accrues daily. We apply the interest rate to your Loan balance as it reduces each month (i.e. as you pay each scheduled instalment).

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

3With every successful application for an HSBC Personal Loan, a tree will be planted in the UAE on the customer's behalf, free of charge, through our partnership with One Tree Planted LLC.

4This 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.

5We'll get back to you within 60 minutes during working hours, Monday to Friday, 09:00 to 16:30. If you contact us outside of these times, we'll get back to you on the next working day.

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