Current loan rates

Personal Loans - representative rates

The rates are correct as at 13 January 2014.


Loan amount representative %APR
Loans from £1,000 to £2,450 15.9%
Loans from £2,500 to £4,950 13.9%
Loans from £5,000 to £6,950 4.9%
Loans from £7,000 to £15,000 3.6%
Loans from £15,050 to £25,000 3.6%

The rate you receive is dependent on your individual circumstances; credit checks and assessment of your financial circumstances.


This product is no longer on sale.

Loan amount %p.a. representative %APR
Loans up to £10,000 17.45% 18.9% variable

Previous rates

The rates below are provided for information only

Personal Loans

Loan amount representative %APR
Loans up to £25,000 Please refer to your loan agreement


Effective from 1 July 1999 to 14 March 2000.

Loan amount %p.a. representative %APR
Loans up to £10,000 17.16% 18.5% variable


Personal Loan rates may alter from time to time, but once a loan is taken the rate becomes fixed for the duration of the term.

Protecting your money

Your eligible deposits with HSBC Bank plc are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme. This limit is applied to the total of any deposits you have with HSBC Bank plc and first direct.

Any total deposits you hold above the £85,000 limit between HSBC and first direct are not covered.






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