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HSBC promotion: Personal loan from 1.3% p.a. (EIR 2.5% p.a.), no processing fee
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Personal loan from 1.3% p.a. (EIR 2.5% p.a.), no processing fee

1.3% p.a.

Loan rate promotion; rate depends on credit profile

HSBC Personal Loan at a promotional rate from 1.3% p.a. (EIR 2.5% p.a.) with zero processing fee; borrow up to 8 times monthly salary and repay over up to 7 years.

View the promotion· hsbc.com.sg ↗Book / order ↗

When
Ongoing since 10 NovNo end date
Where
Online only · order at loans.hsbc.com.sg ↗
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Deal details

Promotional rate

  • From 1.3% p.a. (EIR 2.5% p.a.) up to 9.3% p.a. (EIR 17.0% p.a.), based on your credit profile (the page's FAQ says up to 9.5% p.a.)
  • If your rate is above 1.3% p.a., HSBC asks for your OK by SMS before drawdown
  • Zero processing fee (page headline); the FAQ says EIR includes a 1% processing fee, minimum S$88, where applicable

How much and how long

  • Up to 8 times monthly income or S$100,000, whichever is lower
  • Annual income S$120,000 and above: up to 8x monthly income; S$30,000 to under S$120,000: up to 4x; foreigners: 1x
  • Repay over up to 7 years

Good to know

  • Minimum annual income S$65,000 for new HSBC customers and foreigners; existing customers with S$50,000 or more with HSBC: S$30,000 salaried or S$40,000 self-employed (Singaporeans/PRs)
  • Foreigners need a work pass valid at least 12 months for the instalment plan
  • Prevailing Personal Line of Credit rate: 22.9% p.a.
  • T&C: Personal Line of Credit General and Promotion Terms and Conditions (effective from 1 October 2026) PDF

Summarised from hsbc.com.sg.

Conditions

Age 21 to 65; minimum annual income S$65,000 for new HSBC customers (S$30,000 to S$40,000 for existing customers with S$50,000 or more with HSBC); rate set by your credit profile; apply online with Myinfo.

Source: hsbc.com.sg ↗

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