Apply Online for HSBC Singapore Personal Loan with 1 hour in-principle approval
"It just takes a minute to complete and submit your HSBC Personal Loan/Line of Credit online application."
Get extra cash up to 4X your monthly salary with HSBC's personal loans.
Be it preparing for your bundle of joy, furthering your education or improving your home, HSBC's personal loan help meet your needs with extra cash.
HSBC's personal loans give you extra cash when you need it. With flexible repayments solution, you can manage cash better.
Take the fisrt step towards new horizons. Unlock tomorrow's potential with HSBC's Personal Loans.
Whether your are turning passion into a business or nurturing your child's talent, HSBC's personal loans give you the opportunity to do something worthwhile presently by unlocking the pontential of futute.
Safe and secure online application with SSL encryption technology.
Get the hsbc personal loans Singapore of your choice to enjoy the benefits and rewards today!
WARNING : The issuer may STOP card offers and promotions without notice. Grab the loan of your choice while it last.
For detailed card information or to apply,
click on the link next to the loan of your choice and a new window will be opened for you.
1-hour In-Principle approval# for online applications!
You can enjoy greater flexibility on monthly repayments.
Get extra cash of two times your salary or up to S$100,000 whichever is lower
Attractive interest rate as low as 1.88% p.a. for six months+ when you transfer funds(applies to new HSBC's personal line of credit customer)
Repay as low as 3% of your outstanding amount or $15 per month, whichever is higher
Convenient access to cash at any of the 23 Cold Storage group of stores, HSBC's ATMs, shared atm network in Singapore and over one million PLUS ATMs worldwide
Enjoy one year annual fee waiver
Application requirements
All applicants must be between 21 - 55 years of age.
For Singaporeans and Singapore Permanent Residents:
Minimum annual income of S$30,000.
For self-employed or commission-based earners, minimum annual income of S$40,000.
For foreigners residing in Singapore:
Minimum annual income of S$40,000.
Employment pass validity of at least two years for personal loan and one year for personal line of credit.
Customers on staff preferential interest rates are not eligible for The Promotions, unless otherwise specified by the Bank.
All the terms and conditions under The Promotions should be read in conjunction with the prevailing personal line of credit and personal term credit terms and conditions.
The Bank reserves the right to vary the terms and conditions of and to suspend or terminate The Promotions at any time without prior notice.
The Bank’s decision on all matters relating to The Promotions is final and no appeal or correspondence will be entertained.
Interest rates are subject to change without prior notice.
(B) HSBC’s personal loan promotional interest rate terms and conditions
The offer ("The Promotion") is applicable to HSBC's personal loan account applied between 1 November 2011 and 31 December 2011 and account opened by 31 January 2012.
An early repayment fee of S$150 will apply for any partial or full repayment made within 12 months from the loan drawdown date.
(C) HSBC's personal loan cash reward promotion
Applicants must submit their personal loan applications at www.hsbc.com.sg between 22 August and 30 November 2011 (the “Promotion Period”) and the applications must be approved by HSBC by 15 December 2011 (applicants who have submitted approved applications referred to as “Qualified Applicants”).
The cash reward will be awarded as follows:
$200 cash reward is awarded to Qualified Applicants for approved personal loan amounts of S$25,000 and above, with a minimum tenor of one year.
$100 cash reward is awarded to Qualified Applicants for approved personal loan amounts of S$12,000 to less than S$25,000, with a minimum tenor of one year.
$50 cash reward is awarded to Qualified Applicants for approved personal loan amounts of S$5,000 to less than S$12,000, with a minimum tenor of one year.
Limited to one (1) cash reward per customer.
The personal loan account (the “Account”) must be maintained in good standing and conducted in a proper and satisfactory manner as determined by HSBC at its sole discretion during the Promotion Period.
Qualified Applicants will have the cash reward credited into their personal loan disbursement account within one (1) month from the date of approval of his/her Account, or by 31 January 2012.
The cash reward is not exchangeable for any other item.
The Bank is not responsible for the quality or the performance, loss, damage or harm suffered in connection with the use of the cash reward.
HSBC reserves the right to substitute or replace the cash reward with other items of equal or similar value at its discretion without notice.
HSBC reserves the right in its absolute discretion to vary, delete or add to any of these terms and conditions, or change or withdraw the Promotion, at any time without giving any reason or prior notice.
In the event of any dispute, HSBC’s decision shall be final and no further correspondence will be entertained.
All information is correct at the time of posting.
(D) Preferential interest rates terms and conditions
To enjoy preferential interest rates, the applicant has to be a HSBC Premier, HSBC Advance or HSBC's Revolution customer at point of application with banking relationship correctly indicated on the online application form.
(E) Approval in-principle terms and conditions
The online application is subject to approval. The Bank will notify the applicant of the outcome of the application via communication methods previously authorised by the applicant and/or in writing.
The notifications of the outcome of the application will be sent to the applicant within one hour for applications submitted between 8 am to 11 pm provided the Bank's server is not experiencing unexceptionally high volume or undergoing system maintenance. For applications submitted after 11 pm, notifications will be given the next day.
Approval in-principle is a provisional approval provided by the Bank based on the information provided by the applicant. Upon satisfaction of all requirements fulfilled by the applicant, including submission of the documents as stated on the Letter of Instruction, the Bank shall review and if appropriate, grant a formal approval and provide the applicant a newly opened personal loan or personal line of credit account.
Approval in-principle is only valid for 14 days during which the applicant must submit the neccessary documents to the Bank for processing.
Approval in-principle is only applicable for online applications.
Approval in-principle is not applicable for joint applicants and other circumstances as prescribed by the Bank from time to time.
HSBC reserves the right to vary the terms without prior notice at any time.
These terms and conditions should be read in conjunction with the personal line of credit and personal term credit terms and conditions.
HSBC's Personal Line of Credit Fund Transfer terms and conditions
This promotion is applicable to all personal line of credit fund transfer applications received by HSBC from 1 October 2011 till 31 December 2011 and approved by HSBC by 31 January 2011.
For new customers who apply for the fund transfer application at the same time that they apply for a personal line of credit account, the promotional fund transfer interest rate is 1.88% p.a. for six months.
Only one application per personal line of credit account is allowed.
This promotion is not valid in conjunction with any other promotional interest rate offers (including any existing personal line of credit fund transfer offers).
The promotional fund transfer interest rates are valid from the date of fund transfer approval and are only applicable to the personal line of credit fund transfer amount and the processing fee charged. Any other outstanding balances, all other interest rate charges and subsequent drawings on the personal line of credit account will be charged at the prevailing interest rate of 17.8% p.a., which is subject to change by HSBC at its sole discretion at any time and from time to time. Should interest charges be applicable, a minimum of S$10 per month applies.
Upon expiration of the application promotion tenor, the applicable prevailing interest rate will be chargeable on the outstanding fund transfer amount.
A non-refundable one-time processing fee of S$50 (or such other amount as may be determined by HSBC from time to time at its sole discretion) is payable and will be charged to the personal line of credit account upon approval of the fund transfer application. For online applications received between 1 June 2011 and 31 December 2011 and approved by HSBC by 31 January 2012, the processing fee of S$50 will be waived.
The minimum fund transfer amount is S$1,000 and up to 90% (95% for HSBC Premier customers) of the amount determined by (a) the customer’s approved credit limit minus (b) any outstanding balance on the personal line of credit account at the time of processing the application.
HSBC will not process the application if the customer’s personal line of credit account: a. is not maintained in good standing or not conducted in a proper or satisfactory manner as determined by HSBC at its sole discretion; and/ or b. is already enrolled in a fund transfer programme or other interest rate promotion.
No cancellation or change in the fund transfer amount will be allowed after the submission of the application.
The approved amount to be transferred will be determined by HSBC at its sole discretion and HSBC reserves the right to decline any application without assigning any reason. HSBC shall not be liable for any charges, overdue payments or interest incurred by the customer due to the rejection of or delays in processing the application.
Payments made to HSBC’s personal line of credit account are applied in the following order of priority, namely drawings charged at the preferential or promotional interest rate and drawings charged at the prevailing interest rate.
HSBC will not accept any amount transferred to another HSBC credit card account or HSBC’s personal line of credit account. Customer’s designated credit card account or bank account from other credit card issuers or banks in Singapore that the fund transfer amount is to be transferred to must be denominated and transacted in Singapore dollars.
The customer is required to make payment to the designated credit card issuer or banks until he/ she receives written confirmation that funds have been credited into his / her designated account. HSBC will not be liable for any overdue payments or interest incurred due to non-payment by the customer.
The customer must remain an HSBC’s personal line of credit customer for the entire tenor of the Fund Transfer Promotional Period. HSBC reserves the right to charge the customer the full interest that would have been payable should the customer cease to be an HSBC’s personal line of credit customer at any time before the end of the tenor of the Fund Transfer Promotion.
HSBC reserves the right in its absolute discretion to vary, delete or add to any of these terms and conditions, or change or withdraw the Promotion, at any time without giving any reason or prior notice.
In the event of any dispute, HSBC's decision shall be final and no further correspondence will be entertained.
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All card applications are strictly confidential.