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HSBC loans

HSBC loans

HSBC personal loans offer flexibility in that you can defer loan payments for the first three months or take a repayment holiday every January for the life of the loan -- a handy feature for those looking to ease the financial bite after Christmas.

In addition, HSBC also offers FlexiLoans. These loans have a fixed borrowing limit which you can dip into at any time. You can also choose how much you want to pay back each month (4% to 10% of your limit) and make lump sum payments into the loan at any time without penalty.

With an APR at a comparatively high 16.8%, at the time of writing, this loan may not prove cost-effective for long term borrowing. However, unlike a credit card cash advance, this loan charges no initial fees for taking the money, and you have the added convenience of being able to pay it back at any time.

Professional studies loans are also available for those needing extra funding to pay for their course.

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Provider & product Typical APR Amount & term Total amount repayable / Monthly repayment Apply

Alliance & Leicester
A&L Exclusive Personal Loan
Alliance & Leicester

Typical 8.70% APR £10,000
60 months 		£12,273.00 /
£204.55 		Apply

Lloyds TSB
Direct Personal Loan
Lloyds TSB

Typical 8.90% APR £10,000
60 months 		£12,326.40 /
£205.44 		Apply

Bank of Scotland
Bank of Scotland Personal Loan
Bank of Scotland

Typical 8.60% APR £10,000
60 months 		£12,246.00 /
£204.10 		Apply

Halifax
Halifax Personal Loan
Halifax

Typical 8.60% APR £10,000
60 months 		£12,246.00 /
£204.10 		Apply

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Unsecured loan data provided by Moneyfacts, an independent third party. You should check rates and terms with the product provider.

The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

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