Last updated: 

What is HSBC's personal loan in brief?

Who has an idea of the HSBC personal loan and can provide me with a brief, one to include how many years one can borrow it for? Plus do I need to provide a guarantor or any collateral to apply for a personal loan?

User comments

  • user image

    No Name

    The HSBC personal loan allows you to enjoy loan amount of up to four times your current monthly income with an agreed fixed monthly repayments/instalments. You may choose to apply for a loan tenor of one, two, three, four or five years. If you are a salary earning employee, you may apply for up to six or seven years. And as for your question about guarantor, no you do not need a guarantor or any collateral to recieve HSBC's personal loan.

    2019.08.01 4:31
  • user image


    ขอคำแนะนำหน่อยและปรึกษาว่าจะต้องดำเนินการยังไง ฉันคิดทบทวนแล้วฉันส่งไหว ทุกวันนี้ปันหาเรื่องเงินรายวันหนักกวา่เงินค่าดอกเบี้ยอาทิตละหมื่นกวา่บาทฉันยังสู้หามาได้เป็นเป็นเดือนๆแค่นี้ฉันหาส่งไหวอยู่แล้ว ฉันอยากเอามาจ่ายค่าเทอมไห้ลูกไวๆวันนี้ได้ยิ่งดี ฉันอยากเห็นความสำเร็จของลูกฉันก็หายเหนื่อย อยากไห้ท่านที่ปรึกษาทุกท่านช่วยเหลือด้วย ฉันไม่ได้ต้องการกู้เงินหลักล้านฉันแค่ต้องการกู้เงินหลักแสนนิดๆได้โปรดช่วยฉันไห้หลุดจากนรกหลุมนี้ด้วย

    2021.09.01 5:46

Please leave your knowledge and opinion!

Recommending Forums

Is it possible to separate my limit and have separate billing for my supplementary cardholder for the HSBC Personal Loan?

HSBC Personal Loan

Related Forums

What is Singapore's main landline provider?

How should I invest on my medical supplements using a credit card?

What skills should I have to be a good investor?

Who are the foreigner that would affected by the changes in the laws of borrowing money?

What will happen if a foreigner borrows money from unlicensed money lenders?

What are bond and how do they work?

Related Reviews

Poor and upleasant hotline

I am a fresh graduate and just started my first job, I signed up for this card due to the onetime $150 cash back reward for $800 spend within the first two months. However for its main monthly rewards, it is nothing to be pleasant about and the hotline is very bad, I even had to hold more than 20 minutes during non-peak hour.

HSBC Revolution Credit Card / HSBC Bank Singapore

Earn up to 1% rebate on your purchase

If you target to spend on major event tickets and high price items with the plan to split by instalment then this card is for you. However I notice that if you have an existing OCBC saving account, it makes bill payments much more seamless. And aside from being able to split payment into monthly instalments interest free, you can earn up to 1% rebate on your purchase. Only few cards in the market that allow auto convert spending into interest free instalment and still be entitled to 0.5% or 1% cash rebate.

OCBC Cashflo Credit Card / Oversea-Chinese Banking Corporation

Great customer service officers

I have had this card for a long while. The good thing with the card is that AMEX have been waiving my annual fees which is probably why I still have the card. The pros with this card include – Great customer service officers that are friendly and will do their best to help you with prompt follow ups, direct credit of miles to your Krisflyer account, many small promos every few months with a fantastic sign up promo, no minimum spending and perfect for concert lovers as AMEX offers priority to provide tickets.

American Express Singapore Airlines KrisFlyer Ascend Credit Card / American Express International

Customer care service at top notch

This is my first credit card and I was pleased with the process as the application was absolutely stress free and smooth with customer care service at top notch. I actually felt taken care of and it appeared I could rely on customer care service for virtually any issue. Plus they have a simple tracking system of cashback rewards, with a good App and web UI/UX.

American Express True Cashback Card / American Express International

I can enjoy Interest rates starting from 5.80% p.a.

I love that I can enjoy Interest rates starting from 5.80% p.a. (EIR 11.38% p.a.) on their 12-month instalment plan which allows for fixed monthly repayments.The monthly repayment for your Cash-on-Instalments is fixed, allowing you to manage your finances with ease of mind. That works perfect for me as it helps me to be more organized and I give them thumbs up.

NTUC Plus! Visa Credit Card / Oversea-Chinese Banking Corporation

Too bad it is not an unlimited cashback card

Unfortunately, the HSBC advance card is not an unlimited cashback card as they have a cap on the cashback per month, even for advance banking clients. Furthermore, if you are not an advance banking client, you would not get subsequent card fee waiver if you do not get to spend at least $12,000 in a year.

HSBC Advance Credit Card / HSBC Bank Singapore