Top of main content

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 5.49% per annum.1 & 2

Why you'll want an HSBC Personal Loan

  • Flexible terms

    Pay your loan back over 12 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

A 5.49%3 rate HSBC Personal Loan gets you started, but it takes passion to pursue your dreams.

Offer valid until 6 April 2021. Product terms and conditions apply.

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 10,000 a month
  • 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 instalment 4 AED 2,488

How to apply

Related products


Money alone won’t blaze a whole new trail. You will.


A safety net for life's unexpected expenses.


1Rate based on reducing balance.

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

3Final interest rate, loan approval or top-up is subject to satisfactory documentation, internal policy, credit bureau checks and salary transfer to HSBC.

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.

Listening to what you have to say about services matters to us. It's easy to share your ideas, stay informed and join the conversation.