Enjoy Fast Loan Approval with HSBC Personal Loans Singapore 2025!

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We found 2 HSBC Personal Loans for you!
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HSBC Personal Loan

Per Month

S$852

MoneySmart Exclusive
Quick Application via MyInfo, Instant Disbursement
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HSBC Personal Loan

Interest Rate*
EIR: From 4.00% p.a.
From 2.20% p.a.
Total Amount Payable
S$10,220
Processing Fee
S$0
Per Month
S$852

Get up to S$1,000 Cash via PayNow or earn up to 12,345 SmartPoints! Use SmartPoints earned to redeem any product of your choice from our Rewards Store! T&Cs apply.

Valid until 31 May 2025 - See more details below
Apply Now
Apply Now
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HSBC Renovation Loan

Per Month

S$852

MoneySmart Exclusive
Quick Application via MyInfo, Instant Disbursement
Promotion ends in 19h:3m

HSBC Renovation Loan

Interest Rate*
EIR: From 4.00% p.a.
From 2.20% p.a.
Total Amount Payable
S$10,220
Processing Fee
S$0
Per Month
S$852

Get up to S$1,000 Cash via PayNow or earn up to 12,345 SmartPoints! Use SmartPoints earned to redeem any product of your choice from our Rewards Store! T&Cs apply.

Valid until 31 May 2025 - See more details below
Apply Now
Apply Now
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More Details

Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Personal Loan Calculator - Note to Borrowers

MoneySmart lists Personal Loan products that range between a minimum of 1 to a maximum of 7 years. The effective interest rate (EIR) of loan products on our site range from 6.5% p.a. to up to 20.0% p.a. The EIR of your loan will be dependent on the loan you apply for as well as your personal financial needs. For an example of a loan with 8.5% EIR, you would need to pay S$316/month for an S$10,000 Personal Loan with a loan tenure of 3 years. This would equate to a total payment of S$11,376 over 3 years. Please view each Personal Loan product in detail for a full breakdown of the interest rate chargeable, minimum and maximum loan tenure as well as processing fees (if applicable).

HSBC Personal Loan Singapore

HSBC Personal Loan offers the longest loan tenure of up to 7 years. Aside from competitive loan rates, both locals and foreigners may borrow up to 8x their monthly income.

HSBC Personal Loan Eligibility

To be eligible for an HSBC Personal Loan, you have to be at least 21 years old. Salaried Singaporeans or PRs should earn a minimum annual income of $30,000. On the other hand, the minimum annual income for self-employed or commission-based citizens or PRs is $40,000.

If you’re a foreigner, your annual income should be $40,000 and above. On top of that, you need to make sure that your employment pass is still valid for at least 1 year.

HSBC Personal Loan Interest Rate

Currently, the interest rate for HSBC personal loan stands at 3.4% p.a. or EIR 6.5% p.a. The EIR is already inclusive of the processing fee, which is calculated based on 1% of the approved loan amount (min $88) where applicable. To secure this low interest rate from HSBC, you may apply for your personal loan through MoneySmart.

Take note that if you choose to repay your personal loan early, you’ll be subject to a repayment fee amounting to 2.5% of the redemption amount.

To get an overview of your monthly repayment based on your chosen loan amount and tenure, you can use the HSBC Personal Loan Calculator.

HSBC Personal Loan Hotline

To learn more about HSBC Personal Loans, you can call HSBC’s 24-hr hotline at 1800 HSBC NOW (4722 669) or if you’re calling from overseas, (65) 64722 669.

Frequently Asked Questions

How to apply for a personal loan with HSBC?

Applying for an HSBC personal loan is easy. Simply visit HSBC’s website or go to MoneySmart’s personal loan page to compare interest rates from other providers. If you decide to go with HSBC, you will be redirected to HSBC’s personal loan application page. From there, click on the apply button to get started. It’s as simple as that.

Can a foreigner apply for an HSBC personal loan in Singapore?

Yes, foreigners who are 21 years old and above, earning at least $40,000 annually with an employment pass that’s still valid for at least 1 year can apply for an HSBC personal loan.

How can I pay my HSBC loan?

To pay for your HSBC personal loan, you must have an HSBC repayment account. You may deposit funds into this account by cheque, cash or bank transfer. Then your monthly repayments will be debited on the due date.

How can I check my HSBC personal loan status?

To check your HSBC personal loan application status, you need to call HSBC’s customer service at 1800 HSBC NOW (4722 669) or (65) 64722 669 if you’re calling from overseas. Alternatively, you may go to the bank directly to find out the status of your application.

What is in-principle approval for HSBC personal loan?

In a nutshell, in-principle approval is a provisional approval given by the bank based on the information provided by the client. With HSBC, you can get an in-principle approval in 1 minute. Of course, the bank will still review your application before granting you formal approval. Typical, in-principle approval is only valid for 14 days.

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