You are here:

You are not logged on. Log on to  Log on to Internet Banking Icon: Not logged on

HSBC Personal Loan

Give the best education to nurture your child's dream with HSBC Personal Loan.

Have better means to nurture your child's potential with HSBC Personal Loans

We see to it that your family achieves its fullest. Get an HSBC Personal Loan and enjoy affordable payment terms for school tuition and all back-to-school needs. Get a pre-qualified Personal Installment Loan for a low monthly add-on rate of 0.84%!*

Feature and Benefits

Fast Approval  Fast Approval
Find out if your loan has been approved five working days after submitting your complete application documents.

Personalized Terms  Personalized Terms
You can choose to repay your loan in 6, 12, 18, 24, or 36 months.

Convenient Payment Channels  Convenient Payment Channels
Access hundreds of HSBC payment centers nationwide for amortization payments.

Loan Fees and Rates

Processing Fee - PHP1,500 (deducted form loan proceeds); PHP750 for 24 and 36 months loan tenor
Late Payment Fee - 36% per annum on all overdue amount or a minimum of PHP300

Amendment Fee  Amendment Fee
PHP500.00 per amendment after drawdown (for modification of loan details)

Breaking Cost  Breakfunding Cost
To be computed as described in the HSBC website and in the HSBC Easy Guide to Bank Services and Charges (upon loan pre- termination)

Documentary Stamp Tax  Documentary Stamp Tax
PHP1.00 for every PHP200.00 of loan amount and a fraction thereof (deducted from the loan proceeds)

Check Personal Loan Rates

*Monthly add-on interest rate for 36 months. Equivalent to an annual effective interest rate of 18%. Terms and Conditions apply.
Rate is exclusive to Advance depositors

The Hongkong and Shanghai Banking Corporation Limited and HSBC Savings Bank (Philippines), Inc. are entities regulated by the Bangko Sentral ng Pilipinas (BSP). For inquiries or complaints, please call HSBC's Customer Services at (02) 85-800 from Metro Manila, 1-800-1-888-0000 PLDT domestic toll-free, +63(2) 976-8000 from overseas, or send an email to If you want to find out more about HSBC's customer feedback procedures, please visit You may also contact the BSP Financial Consumer Protection Department at (02) 708-7087 or Note: Do not provide your account or credit card numbers or disclose any other confidential information or banking instructions through email.

HSBC has an Employee Handbook, which mandates all its officers and employees to treat clients with a high degree of professionalism, efficiency, accuracy, care, and courtesy. Officers and employees are enjoined to always be conscious of promoting HSBC's good image and protecting its reputation whether they are within or outside Bank premises.