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A step-by-step guide to how the loan process works.

  1. Find out about the loans on offer


    See what loans are available from HSBC and how well they will meet your needs.
  2. Make an appointment with the bank


    Unless you know exactly what you want and how much it is going to cost you, it is advisable to talk to your bank manager. He or she will help you assess your individual needs, repayment options and insurance requirements. They can also help you fill in the form.
  3. Provide financial information if needed


    The bank may need to evaluate your financial position and assess your repayment ability.
  4. Wait for our decision


    We'll tell you whether the loan is approved, usually by letter.
  5. Check your loan offer


    Read the loan approval letter carefully, as it will set out everything you need to do. If you are still unsure, your contact at the bank will be happy to answer your questions. Or you can check the offer with a solicitor or an accountant.
  6. Accept the offer


    Once you are satisfied with all the details of the loan, you will have to sign the approval letter and perhaps some other documentation.
  7. Receive the money


    After a short period for processing, the money is usually paid directly into the bank account of your choice. This is called the ‘loan drawdown’.
  8. Make your first payment


    Your repayments will most likely be debited directly from the bank account you have selected. To make this easy, the bank will suggest that you repay by setting up an automatic payment scheme. All you have to do now is to make sure you have enough in your account each month to make your repayments on time.


For more tips and information, see our Frequently Asked Questions


Submit supporting documents for personal loans applications

How to borrow money wisely

Know what to consider before you borrow money, and understand the risks involved.

Loan glossary

Seen an unfamiliar word or abbreviation? Check this A–Z listing of common terms used to discuss loans and borrowing.

Personal Instalment Loan

Fixed monthly payments so you can plan accurately.

Redraw your Personal Instalment Loan

Redraw against your loan without having to reapply.

Consolidate your debts

Clear your debts faster using the Personal Instalment Loan Balance Consolidatio Program

Revolving Credit Facility

Only pay interest on the credit you use rather than a fixed monthly payment.

Contact us

By phone

Application hotline
(852) 2748 8080 (852) 2748 8080

HSBC Premier customers call
(852)2233 3322 (852) 2233 3322

HSBC Advance customers call
(852) 2748 8333 (852) 2748 8333

Other customers call
(852) 2233 3000 (852) 2233 3000

At an HSBC branch

Find your nearest branch

Tweet us

@HSBC_HK