As of 18 September 2026, the HSBC Personal Loan has a comparison rate of 13.54% (from 12.99% advertised), ranking 187th of 212 unsecured loans tracked by BankMate and sitting 3.59 points below the unsecured market average of 17.13%. It is an unsecured fixed-rate loan for car loan with fees of $150 application · $5 a month. Lenders publish the lowest rate in their range; the rate offered depends on the applicant.
from 12.99% advertised · Unsecured · fixed · car loan
Fees: $150 application · $5/mo.
Rate over time
Comparison rate · lenders publish the lowest rate in their range- HSBC Personal Loan
- RBA cash rate
- Unsecured average
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates
- Advertised rate
- from 12.99% p.a.
- Comparison rate
- 13.54% p.a.
- Rate type
- Fixed
Fees
- Application fee
- $150
- Monthly fee
- $5
- Annual fee
- None
- Early repayment fee
- $199
- Late payment fee
- $30
Loan terms
- Loan amount
- $5,000 – $50,000
- Loan term
- 1 year to 5 years
- Extra repayments
- Yes
- Early payout
- Yes
- Redraw
- No
- Flexible repayment frequency
- No
Eligibility
- Minimum income
- $40,000 a year
- Minimum age
- 18
About this product
With our Personal Loan product, you can consolidate debt, purchase a car, pay for a wedding, pay for education expenses, pay for a holiday, pay for renovation cost and more.