HSBC Personal Loan

Turn your house into the home of your dreams. Simply apply for HSBC’s Personal Instalment Loan.
  • As low as 0.65% add-on rate per month1
  • Free SM Gift Pass upon loan approval2

Features and benefits

  • Fast approval
    Find out if your loan has been approved five working days after submitting your complete application documents.
  • Personalised terms
    You can choose to repay your loan in 6, 12, 24, or 36 months.
  • Convenient payment channels
    Access hundreds of HSBC payment centers (PDF) nationwide for amortisation 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 overdue payment
  • Amendment Fee: PHP500.00 per amendment after drawdown (for modification of loan details)
  • Breaking 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)
  • 0.75% of the drawn loan amount (deducted from loan proceeds). Loan amounts of up to Php250,000 which are used for personal purposes are exempt from DST

Apply by phone

Call us on: (02) 85-800

1Monthly add on rate for 36 months. Equivalent to an annual effective rate of 14.29%

2Get SM gift passes worth PHP3,000 for loans PHP200,000 and up or SM gift passes worth PHP1,000 for loans PHP100,000 to PHP199,000

For inquiries or complaints, please call HSBC's Customer Services at +63(2) 85-800 from Metro Manila, 
+1-800-1-888-8555 PLDT domestic toll-free, +63(2) 976-8000 from overseas, (country code) + 800-100-85-800 international toll-free for selected countries, or send an email to hsbc@hsbc.com.ph. If you want to find out more about HSBC's customer feedback procedures, please visit hsbc.com.ph/feedback.

The Hongkong and Shanghai Banking Corporation Limited is an entity regulated by the Bangko Sentral ng Pilipinas (Bangko Sentral). You may also contact the Bangko Sentral Financial Consumer Protection Department at 
(02) 708-7087 or consumeraffairs@bsp.gov.ph.

Note: Do not provide your account or credit card numbers or disclose any other confidential information or banking instructions through email.