Rating based on 38 reviews


  • Personal loans up to $50,000
  • Low-interest starting from 9.50%
  • Repayment up to 60 months

In-page navigation

HSBC homepage
Author HSBC. Screenshot of HSBC website.
[Accessed May 24, 2023]

About HSBC

Present in 70 countries, HSBC is one of Australia’s most successful and popular banks for both individuals and businesses.

They have a massive range of lending, banking, wealth creation and management as well as insurance among many other products and services. In addition to great interest rates on personal loans and low fees, you can benefit from their great customer service and expert advisors.

Helping you achieve

HSBC is a large global bank that can help you achieve your financial goals – whether you’re looking to buy your own home, establish a safe investment opportunity or simply get a personal loan to pay for some home renovations.

37 Australian branches

HSBC has 37 branches in Australia and a strong network of ATMs that enables their customers to take care of their needs throughout the country with very little effort and, if that’s not enough you can simply access their services via their website.

HSBC Services

HSBC offers a huge range of products and services for individuals this includes bank accounts for everyday use, home loans, quick online loans, credit cards like their ever-popular HSBC Low Rate Credit Card, investment accounts and bonds, foreign exchange services and financial planning advice among many others.

HSBC personal loan

With a personal loan interest rate of just 9.50% per annum HSBC’s product is one of the country’s most competitive and, the same goes for their home loans which carry a comparison rate of just 3.77%!

These personal loans offer you loan amounts from $5,000 to $50,000 and loan terms from 12 months to 5 years. These loans can be used to pay for a wedding, renovate the home, consolidate debt and for just about anything else you can think of.

Looking to buy a home?

HSBC has one of the largest ranges of home loan options in the country and this means that the chances of you finding the perfect fit for your needs is greater. Whether you’re looking to buy your first home or make another property investment they have a range of highly competitive offers.

HSBC – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 9.50%
  • Loan Amount up to $50,000
  • Repayment 12 months to 60 months

Benefits of HSBC

  • Personal loans up to $50,000
  • Flexible loan term up to 60 months
  • Competitive interest from 9.50%

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Whatever your financial needs are we assure you that we can make them a reality

As an international bank, HSBC’s online banking platform is one of the most advanced and comprehensive.

You can do all your banking online and even apply for a loan by completing an online loan application. Once you’ve submitted your loan application you will get an automated response in just a minute.

Start where you left off

As mentioned, HSBC’s online platform is advanced and will allow customers to start where they left off with their online applications.

This means that if you couldn’t complete your personal loan application because you didn’t have all the necessary information you can simply click on the “retrieve an application" button on their website to start where you left off.

Choosing a personal loan

One of the best ways to choose a personal loan option is to make contact with HSBC or review their offerings online. If you speak to an advisor they will be able to help you select the best option for your needs. It’s also a good idea to make use of a loan calculator to determine how much you can afford to lend and how much it will cost you overall.

Caring about Australia’s young people

Whether it’s helping improve literacy among Australia’s youth or encouraging them to get into a science field – HSBC is clearly committed to the development of its young people through a variety of endeavours.

man holding thumbs up

HSBC is a trusted & reliable provider of personal loans

In our review, HSBC adheres to the compliance criteria in accordance with the National Consumer Protection Act, where the granting the loan will not cause financial distress to the consumer.

✅ HSBC is a registered credit provider in Australia: ACL 232595

Customer Reviews & Testimonials

February 2019

I was incredibly nervous when I had to purchase my first home. But the HSBC helped me to make the best decision and my wife and I could not be happier with our home.

Paul M
— Hervey Bay —

December 2018

Thanks to the great interest rates offered by the HSBC my family and I were finally able to get a loan to go on that long-overdue family holiday. Thanks for the blessing us with the opportunity o...

Michaela B
— Bathurst —

January 2019

I found myself in a nasty spell of bad debt but thanks to a debt consolidation loan from the HSBC I was able to get the mess cleaned up in a jiffy!

Reis T
— Busselton —

HSBC Contact

Physical Address

  • Shop 2/3 Ashfield Mall, 260A Liverpool Road Ashfield NSW 2131 Australia
  • Get Directions

Opening Hours

  • Monday 09:30 – 16:00
  • Tuesday 09:30 – 16:00
  • Wednesday 09:30 – 16:00
  • Thursday 09:30 – 16:00
  • Friday 09:30 – 17:00
  • Saturday – Closed
  • Sunday – Closed