HSBC Personal Loan Rates & Review

HSBC Personal Loans as of September 2025

Monthly repayment below is based on a $20,000 loan amount over 5 years.

Lender	Advertised rate	Comparison rate*	Monthly repayment	Interest Type	Secured Type	Early Exit Fee	Ongoing Fee	Application Fee	Total Repayment	Early Repayment	Instant Approval	Online Application	as ofSeptember 16, 2025

	12.99^%_p.a.	13.54^%_p.a.	^$674	Fixed	Unsecured	^$199	^$5	^$150	N/A				More details
	Personal Loans (1 Year)
Personal Loans (1 Year) More details
	12.99^%_p.a.	13.54^%_p.a.	^$674	Fixed	Unsecured	^$199	^$5	^$150	N/A				More details
	Personal Loans (2 Years)
Personal Loans (2 Years) More details
	12.99^%_p.a.	13.54^%_p.a.	^$674	Fixed	Unsecured	^$199	^$5	^$150	N/A				More details
	Personal Loans (3 Years)
Personal Loans (3 Years) More details
	12.99^%_p.a.	13.54^%_p.a.	^$674	Fixed	Unsecured	^$199	^$5	^$150	N/A				More details
	Personal Loans (4 Years)
Personal Loans (4 Years) More details
	12.99^%_p.a.	13.54^%_p.a.	^$674	Fixed	Unsecured	^$199	^$5	^$150	N/A				More details
	Personal Loans (5 Years)
Personal Loans (5 Years) More details

Important Information and Comparison Rate Warning

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Comparison Rate Warning and Base Criteria

For home loans, the base criteria include a $500,000 loan amount over 30 years. For car loans, the base criteria include a $30,000 loan over 5 years. For personal loans, the base criteria include a $20,000 loan over 5 years. These rates are only examples and may not include all fees and charges.

*The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Monthly Repayment Figures

Monthly repayment figures are estimates that exclude fees. These estimates are based on the advertised rates for the specified term and loan amount. Actual repayments will depend on your circumstances and interest rate changes.

Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you.

Related Brands

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We may include products and services from loans.com.au, CarLoans.com.au, OnlineAuto.com.au, and YourMortgageBroker Pty Ltd, all associated with the Firstmac Group. Importantly, these brands are treated like any other commercial partner.

Learn more about how we manage conflicts of interest.

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