HSBC Personal Loan

HSBC Personal Loan provides a multi-purpose loan to help every individual to turn their dreams into reality. Borrow money starting from PHP30,000.00 to PHP500,000.00 for any of your immediate financial needs. You have the option to choose from the payment terms of 6, 12, 18, 24, or 36 months through HSBC’s convenient payment centers nationwide at a very competitive interest rates.

eCompareMo lets you compare all the personal loan rates available on the market to help you find the best one for your needs.

You can also check out other HSBC Loan products here.

HSBC Personal Loan

HSBC Advance Personal Loan. Enjoy low interest rates and fixed monthly terms. Application is easy and fast turnaround time.


Product Name:
HSBC Personal Loan
With low interest rates and affordable installment terms
Minimum Amount of Loan:
Maximum Amount of Loan:
Minimum Loan Tenure:
6 months
Maximum Loan Tenure:
36 months
Early Repayment:
To be computed

Eligibility and Requirements

Age Range of Borrower:
21-60 years old
Minimum Annual Income:
Income Requirement Remarks:
Requires PHP14,000 gross monthly income for employed individuals and PHP50,000.00 for self-employed
Employment / Work Status:
Permanent Employee for 2 years / 2 years Business Operations for Self-employed / 2 years of Practice for Professionals / Government Employee for 2 years
Borrower has to have Credit Card:
Guarantor Required:
Collateral Required:
Other Requirements:
Should have any 2 of the following : Residence landline, office landline or mobile phone number
Need to Open Linked Bank Account:

Application and Approval

Application Channel:
Approval Duration:
5 business days
Approval Duration Remarks:
Know if your approved in as early as 5 days after submitting all the required documents

Fees and Charges/Penalties

Loan Processing and Dispersal Fees:
PHP1,500.00 processing fee to be deducted from loan proceeds and PHP750.00 for 24 and 36 month tenor
Early Repayment Penalty:
Special conditions as per banks Terms and Conditions
Late Payment Penalty:
36% per annum on overdue payment

Interest Rates Offered

Product Name: Interest Rate Effective Interest Rate Interest Type
HSBC Personal Loan - 6 months 1.29% 2.17% Monthly Rate
HSBC Personal Loan - 12 months 1.22% 2.17% Monthly Rate
HSBC Personal Loan - 18 months 1.21% 2.17% Monthly Rate
HSBC Personal Loan - 24 months 1.22% 2.17% Monthly Rate
HSBC Personal Loan - 36 months 1.25% 2.17% Monthly Rate


What are the required documents to apply for an HSBC personal loan?


  • Latest Income Tax Return (ITR) or BIR Form and original pay slip (one whole month)
  • Photocopy of valid government issued ID with photo
  • Copy of latest billing statement to residential address
  • If foreign national, a copy of valid resident visa or copy of valid non-resident visa considered by BSP as eligible for peso loans


  • ITR and audited Financial Statement for the last 3 years
  • SEC/DTI Certificate of Registration
  • Business or Mayor’s Permit
  • Photocopy of Valid ID (same as Employed)
  • Bank statement for the past three months (at least one year active)
  • Proof of residential address
  • If foreign national, a copy of valid resident visa or copy of valid non-resident visa considered by BSP as eligible for peso loans

What are the modes of payment?

  • You may pay either through Post-dated check, Auto-debit facility (ADA) for customers with HSBC existing HSBC deposit account, or through Payment Centers.

What are the eligibility requirements for HSBC personal loan application?

  • Applicant must be at least 21 years old and not older than 60 years old upon loan maturity, must be a permanent resident in any of the HSBC pre-determined areas for at least 3 years.
  • Must have a gross monthly income of PHP14,000.00 for all salaried/employed individuals and PHP50,000.00 for self-employed individuals
  • Employed applicants must have 2 years combined employment with present or previous employer, and self-employed applicants must have a minimum of 3 years business existence.
  • Residential landline or office landline, and mobile number are required.

How do I claim my HSBC personal loan proceeds?

  • Claim your loan by personally going to the HSBC branch you indicated on your application form.

Apply for this loan, or compare with others.

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