Adapt your loan to meet your needs

Do you need some extra financial support and already hold a loan with us? You could apply to top up your existing loan.1

Already an HSBC Customer?

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

Why you'll want an HSBC Top-Up Loan

  • Flexible terms
    Pay your loan back over 12 to 48 months.
  • Finance your plans
    Borrow up to AED 1,000,000 if you're a UAE national; for expats, it's up to AED 750,000 (eligibility subject to bank policies and credit bureau checks).
  • Individualized interest rate
    Get an interest rate based on your profile.
  • 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

Are you eligible?

You can apply for a Top-Up Loan if you:

  • are a UAE national or resident
  • are between 21 and 65 years old
  • earn at least AED 7,500 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 instalment2
AED 100,000 48 months AED 2,524
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 instalment2 AED 2,524

How to apply

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Notes

1Final approval is subject to satisfactory documentation, salary transfer, internal policies and credit bureau checks.

2This 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 9.74%. This customer is also working for a company listed with HSBC as an Approved Employer.