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Personal loans

Achieve your dreams with a personal loan

HSBC Personal Loan

Enjoy lower and affordable interest rates only from HSBC Personal Loans. Get more out of life while being worry-free. Apply for an HSBC Personal Loan to enjoy low interest rates and affordable installment terms.

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, 18, 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)
  • Documentary Stamp Tax : PHP1.50 for every PHP200.00 of loan amount and a fraction thereof (deducted from the loan proceeds)

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 If you want to find out more about HSBC's customer feedback procedures, please visit

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

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