HSBC Personal Loan Rates & Review

HSBC Personal Loans as of July 2026

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

Loan duration

Loan amount

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Lender	Car Loan	Interest Rate	Comparison Rate*	Monthly Repayment	Interest Type	Secured Type	Early Exit Fee	Ongoing Fee	Upfront Fee	Total Repayment	Early Repayment	Instant Approval	Online Application	Tags	Features	Link	Compare	Promoted Product	Disclosure
HSBC	HSBC Personal Loans (1 Year)	12.99% p.a.	13.54% p.a.	$674	Fixed	Unsecured	$199	$5	$150	$24,256						More details	Compare
HSBC	HSBC Personal Loans (2 Years)	12.99% p.a.	13.54% p.a.	$674	Fixed	Unsecured	$199	$5	$150	$24,256						More details	Compare
HSBC	HSBC Personal Loans (3 Years)	12.99% p.a.	13.54% p.a.	$674	Fixed	Unsecured	$199	$5	$150	$24,256						More details	Compare
HSBC	HSBC Personal Loans (4 Years)	12.99% p.a.	13.54% p.a.	$674	Fixed	Unsecured	$199	$5	$150	$24,256						More details	Compare
HSBC	HSBC Personal Loans (5 Years)	12.99% p.a.	13.54% p.a.	$674	Fixed	Unsecured	$199	$5	$150	$24,256						More details	Compare

Important Information and Comparison Rate Warning

Important Information and Comparison Rate Warning

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Product Coverage and Sort Order

We strive to cover a broad range of products, providers, and services; however, we do not cover the entire market. Products in our comparison tables are sorted based on various factors, including product features, interest rates, fees, popularity, and commercial arrangements.

Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes.

Additionally, certain products may present forms designed to refer you to associated companies (e.g. our mortgage broker partner) who may be able to assist you with products from the brand you selected. We may receive a fee for this referral.

You can customise your search using our sorting and filtering tools to prioritise what matters most to you, although we do not compare all features and some results associated with commercial arrangements may still appear.

For more details, visit How We Get Paid and Managing Conflicts of Interest.

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

InfoChoice.com.au is proudly part of the InfoChoice Group, which includes Savings.com.au, YourMortgage.com.au, and YourInvestmentPropertyMag.com.au. The InfoChoice Group is associated with the Firstmac Group.

We may include products and services from loans.com.au, CarLoans.com.au, OnlineAuto.com.au, 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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The information provided by InfoChoice.com.au is general in nature and does not take into account your personal objectives, financial situation, or needs. We recommend seeking independent financial advice before making any financial decisions. Before acquiring any financial product, obtain and read the relevant Product Disclosure Statement (PDS), Target Market Determination (TMD), and any other offer documents.

Rates and product information should be confirmed with the relevant credit provider. For more information, read InfoChoice.com.au’s Financial Services and Credit Guide (FSCG).