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Personal loan without salary transfer

Get the money you need without having to transfer your salary to us.

Make your plans happen with a Non Salary Transfer Loan

Home improvements? Trip of a lifetime? Whatever you've been thinking of, we could help you make it a reality. Borrow between AED 25,000 and AED 200,000 with no need to transfer your salary. 


Have up to AED 2,000 cashback on us

Get AED 250 to AED 2,000 cashback when you take out a Non Salary Transfer Loan with us. For full details, view offer terms and conditions (PDF, 136 KB).

T&Cs apply. Offer ends 31 August 2024.


Non Salary Transfer Loan indicative repayment calculator terms and conditions:

The example shown in the calculator, including monthly repayments and APR, is not a quotation and is for indicative purposes only. It also assumes you make repayments in full and on time. A final quotation will be provided when you apply, and your APR, loan amount and monthly repayments may vary. Your final APR and loan approval are based on your individual circumstances, and are subject to satisfactory documentation, internal policy and credit bureau checks.

Rates are quoted on a reducing rate per annum.

Staff of the General Head Quarters of the UAE Armed Forces can take out a Non Salary Transfer Loan of up to 60 months, provided they meet our eligibility criteria.

Why get a Non Salary Transfer Loan with us?

  • Flexible repayment terms
    Pay back your loan over a period that suits you, from 6 months to 4 years (48 months).
  • No credit life insurance needed
    Unlike with some personal loans, there's no need to buy extra insurance.
  • No need to transfer your salary
    Get a loan without the hassle of having to redirect your salary.
  • A personalised interest rate
    We'll give you a rate that's based on your own personal circumstances.

Rate information

From 14.25% APR[@nonsalaryapr]

Representative rate for an HSBC Non-Salary Transfer Personal Loan customer. This rate may vary depending on personal circumstances and prevailing market conditions[@aprloan].

Representative example:
Total loan amount  Loan term (months) Monthly instalment APR (Annual Percentage Rate) Total interest (for the term of the loan) Total Processing Fees (including VAT)
AED 150,000 48 AED 4,099 From 14.25% AED 46,752 AED 1,575
Representative example:
Total loan amount  AED 150,000
Loan term (months) 48
Monthly instalment AED 4,099
APR (Annual Percentage Rate) From 14.25%
Total interest (for the term of the loan) AED 46,752
Total Processing Fees (including VAT) AED 1,575

An illustrative example of monthly instalment, total interest and total processing fee for an HSBC Non-Salary Transfer Personal Loan for an existing HSBC customer.

Things to know

Who can apply?

You can apply for a Non Salary Transfer Personal Loan if you:

  • Are a UAE national or resident
  • Are aged 21 to 65
  • Earn at least AED 7,500 a month[@loanapprovalnotransfer]
  • Have or will open an HSBC current account

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 Non Salary Transfer Loan?

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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Take a look at our full range of current accounts. 

Additional information

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