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Personal loans

No matter what you need it for, our personal loans make borrowing easy

Easy. Online. Instant loans at attractive interest rates.[@instant-loan]
A flexible overdraft facility for HSBC salary account holders, to help with extra cash when the unexpected happens

What you need to know about getting a loan

Find out the essential information you need to know when you get a personal loan from HSBC India.
What is a personal loan?
We explain the different types of personal loans and how to choose the right one.
What's the difference between secured and unsecured loans?
We break down the differences between secured and unsecured loans, their risks, and what they're commonly used for.
What is EMI?
Read about the 2 Equated Monthly Instalment methods and the formulas used to calculate repayments.
Getting a personal loan with a low CIBIL Score
Don't despair if your credit score isn't very high. There are other things you can do to secure a loan.
What is loan repayment?
Financial planning, saving and budgeting are all part of managing loan repayments.
Tips for a successful loan application
If you're applying for a loan, give yourself the best chance for approval with these 4 tips.
8 questions for checking your loan eligibility
Personal or secured loan? What about the fees? Make the right choice when applying by asking these questions.
What is an unsecured loan?
An unsecured loan means you don't have to provide collateral. Find out more about unsecured loans.

Important notes