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Why choose a personal loan?

With a personal loan(1), you can borrow €1,525 or more. For example, you can use this type of loan to pay for travel plans, a car, etc.

For renovations or new furniture, see our Home improvement loans, or to fund your studies, check out our Student loans.

To get started, see how much you need, ask us for a quote, then apply online(2) or in branch.

complete your application in five steps:

  • update your personal details
  • get an agreement in principle
  • sign the contract after reading the documentation
  • send us your supporting documents 
  • get the money in your account(6), if we approve your application

A loan is a commitment and must be repaid. Before you apply, make sure you can afford the repayments.

Need up to €25,000 for a project?

It’s quick and easy to apply online(3)

  • sign the contract agreement digitally
  • get the money after 8 working days(4)
  • pay no application fees

How much does a personal loan cost?

An HSBC personal loan gives you:

  • fixed interest rates
  • loan amounts from €1,525
  • repayment terms starting from 12 months

Loan example (excluding optional loan insurance)

A loan(1) of €10,000 over 60 months, at a fixed rate of 5.70%, will cost you €191.94 a month for 60 months (excluding optional loan insurance(5)). Your total credit charge is €1,516.40, €120 administration fees included, at a fixed effective annual rate (EAR) of 5.85%.

Total amount owed: €11,516.4 (excluding optional loan insurance).

The optional insurance(5) (death and disability) is €4.75 a month for a 35-year-old borrower with no existing medical conditions. This would be added to your monthly repayment. The Insurance Effective Annual Interest Rate (IEAIR) is 1.08%, and the total amount charged over the length of the loan is €285.

A loan is a commitment and must be repaid. Before you apply, make sure you can afford the repayments.

How to apply

Before you start, work out how much you need:

  • Want €25,000 or less? To see if you can apply online, log on to online banking, go to 'Souscription en ligne' then ‘Crédits’. If you see a ‘Faire ma demande’ button, you can apply online. If not, call an adviser who will guide you through your application
  • Need over €25,000? Book an appointment and our adviser will check your affordability and guide you through your application. Loan insurance is mandatory for any loan above €25,000

Complete your application in five steps:

Fill in an application

Get an agreement in principle

Sign the contract after reading the documentation

Send us your supporting documents

Get the money in your account(6), if we approve your application

Once you have an agreement in principle, your loan offer is valid for two weeks from the day it was issued.

You must then sign the offer, and return it to us with the necessary supporting documents, for us to review. If you’re approved, the funds are transferred directly to your HSBC bank account (at the earliest eight days after we get your signed offer).

What you could do with a personal loan

An HSBC personal loan could help if you need some extra money to: 

  • start a new life whether it’s a wedding, a new child, or redecorating your home
  • learn for the future by taking your driving licence or a course for a new career
  • get moving with a new or used car, motorbike, bicycle or even a boat
  • get active with new sports kit, arts and crafts equipment or an overseas trip

Our unsecured personal loans could help you with any project worth over €1,525.

Do you need insurance for your loan?

HSBC loan insurance is optional for amounts up to €25,000. However, we strongly recommend it to protect you against the unexpected(7).

Our loan insurance(5) offers cover in the event of death, disability or inability to work. It takes over your loan repayments in case of any unforeseen event covered by your policy.


How much can you borrow with an online personal loan?

You can borrow from €1,525 to €25,000 over 12 to 84 months, depending on your personal circumstances. For amounts over €25,000, book an appointment with your relationship manager by logging on to online banking ‘Ma Banque en Ligne’.

What supporting documents do you need to apply?

  • a valid identity document (ID card, passport)
  • your most recent tax assessment (or your last 3 self-assessment tax returns if you’re self-employed)
  • your last 3 pay statements

If you’re making a joint application, the other person also has to provide the same documents.

Do I need to make a deposit to apply for a personal loan?

Even though making a deposit can help lower the monthly repayments or term, personal loans don’t require a deposit.

(1) Subject to review and approbation of your file by the bank. For any credit up to €75,000, starting from the day of the credit offer's agreement, the loaner has a fortnight to make a withdrawal.

(2) For a loan from €1,525 to €25,000, log on to online banking and select 'Crédits' under 'Souscription en ligne'. You'll see a button saying 'Faire ma demande' if you can apply online. The calculator is available after your details have been reviewed. 

(3) Subject to review and approval of your file by the bank. The loaner the loaner has the right to a fortnight to withdraw the loan offer. 

(4) Subject to the bank's approval of the loaner.

(5) Group loan insurance scheme no. 001/900/31 with optional individual membership, underwritten by HSBC Continental Europe with HSBC Assurances Vie (France), a company regulated by Insurance laws. Subject to the terms of the agreement and acceptance by the insurer.

(6) At the earliest on the eighth day following your agreement of the loan's contract.

(7) Under the conditions planned in the informative note of the insurance contract and according to the terms and conditions planned in accordance with the insurance subscribed if need be. 

HSBC Continental Europe - Public limited company with a capital of 491 155 980 euros - SIREN 775 670 284 RCS Paris - Registered office: 38, avenue Kléber - 75116 Paris - Bank and insurance intermediary registered with ORIAS (Organisation for the Registration of Insurance Intermediaries - under number 07 005 894.

HSBC Assurances Vie (France) - Public limited company with a capital of  115 000 000 euros at 01/12/2020 - SIREN 338 075 062 RCS Nanterre – Postal address : 38, avenue Kléber - 75116 Paris - Registered office : Immeuble Cœur Défense - 110, esplanade du Général de Gaulle - 92 400 Courbevoie - Company governed by the Insurance Code.

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