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

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.

- Deal: 1.3% p.a. (Deal)
- When: Ongoing since 10 Nov
- Status on 2026-11-12: undated
- Category: Cards & Banks
- 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.
- Promotion page: https://www.hsbc.com.sg/loans/products/personal-line-of-credit/instalment-plan/
- Book / order: https://www.loans.hsbc.com.sg/hsbcstpl/#!/app/journey/select-loans?promo=STL&sourceCode=9E
- Menu / poster (PDF): https://www.hsbc.com.sg/content/dam/hsbc/sg/documents/loans/personal-line-of-credit/additional-terms-and-conditions.pdf
- Where: Not stated

## 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

- Confidence: high
- Last updated: 2026-11-10T23:00:00+08:00
- Page: https://spill.sg/p/hsbc-personal-loan-from-1-3-percent-2026-11-10
- Add to calendar: https://spill.sg/p/hsbc-personal-loan-from-1-3-percent-2026-11-10/calendar.ics (.ics: Apple, Outlook, Samsung) · Google: https://calendar.google.com/calendar/render?action=TEMPLATE&text=HSBC%3A+Personal+loan+from+1.3%25+p.a.+%28EIR+2.5%25+p.a.%29%2C+no+processing+fee&dates=20261112%2F20261113&details=HSBC+Personal+Loan+at+a+promotional+rate+from+1.3%25+p.a.+%28EIR+2.5%25+p.a.%29+with+zero+processing+fee%3B+borrow+up+to+8+times+monthly+salary+and+repay+over+up+to+7+years.%0ANo+end+date%0AAge+21+to+65%3B+minimum+annual+income+S%2465%2C000+for+new+HSBC+customers+%28S%2430%2C000+to+S%2440%2C000+for+existing+customers+with+S%2450%2C000+or+more+with+HSBC%29%3B+rate+set+by+your+credit+profile%3B+apply+online+with+Myinfo.%0Ahttps%3A%2F%2Fspill.sg%2Fp%2Fhsbc-personal-loan-from-1-3-percent-2026-11-10&location=&ctz=Asia%2FSingapore · Outlook.com: https://outlook.live.com/calendar/0/deeplink/compose?path=%2Fcalendar%2Faction%2Fcompose&rru=addevent&subject=HSBC%3A+Personal+loan+from+1.3%25+p.a.+%28EIR+2.5%25+p.a.%29%2C+no+processing+fee&body=HSBC+Personal+Loan+at+a+promotional+rate+from+1.3%25+p.a.+%28EIR+2.5%25+p.a.%29+with+zero+processing+fee%3B+borrow+up+to+8+times+monthly+salary+and+repay+over+up+to+7+years.%0ANo+end+date%0AAge+21+to+65%3B+minimum+annual+income+S%2465%2C000+for+new+HSBC+customers+%28S%2430%2C000+to+S%2440%2C000+for+existing+customers+with+S%2450%2C000+or+more+with+HSBC%29%3B+rate+set+by+your+credit+profile%3B+apply+online+with+Myinfo.%0Ahttps%3A%2F%2Fspill.sg%2Fp%2Fhsbc-personal-loan-from-1-3-percent-2026-11-10&location=&startdt=2026-11-12&enddt=2026-11-13&allday=true
- Save and get a reminder when it starts: https://spill.sg/p/hsbc-personal-loan-from-1-3-percent-2026-11-10?save=1&remind=1

_From Spill. Source: hsbc.com.sg. Terms can change._