Last Updated: 04/18/2025
SuperMoney User Recommendation Score +67
Strongly recommended9 total votes
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Highlights
Community Rating
Strongly recommended
APR (Fixed APR)
Starting at 5.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Amount Range
$3,000 - $50,000
Loan Term (Months)
24 - 60
Number of Reviews
HSBC Bank USA Personal Loan Review
HSBC Bank USA Personal Loan is offered by HSBC Bank USA, a bank founded in 1865 and based in New York, NY. HSBC personal loan are available in 49 states and Washington, DC.
Key Takeaways
- APRs starting at 5.99%. Personal loan interest rates typically range between 9% and 36%. The starting rates for HSBC Bank USA Personal Loan are on the lower end of the spectrum.
- Fast access to funds. If approved, HSBC Bank USA will send the money in as little as 24 hours.
- Large loan amounts. You can apply for loan amounts of up to $50,000 with HSBC Bank USA Personal Loan .
- Prequalified rate. You can check your prequalified rate at HSBC Bank USA with a soft pull that will not affect your FICO or VantageScore.
- No origination fee. HSBC Bank USA Personal Loan does not charge a loan origination fee.
HSBC personal loan Pros & Cons
| Pros | Cons |
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HSBC personal loan FAQ
What interest rates and personal loan terms does HSBC personal loan offer?
HSBC personal loan has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does HSBC personal loan offer?
HSBC personal loan offers a fixed APR personal loan product that starts at 5.99% APR.
How much can you borrow via HSBC personal loan?
Personal loan amounts start at $3,000 and go up to $50,000
What is the maximum loan term you can get with HSBC personal loan?
HSBC personal loan offers loans with terms of up to 60 months.
| Personal Loan Amount | $3000 - $50000 |
| Loan Term | 24 - 60 months |
| APR | Starting at 5.99% |
What fees does HSBC personal loan charge?
Does HSBC personal loan charge an origination fee?
HSBC personal loan does not charge a personal loan origination fee.
A personal loan origination fee is what some lenders charge for processing, underwriting, and funding a personal loan. Typically origination fees range from 0.5% to 5% of the personal loan amount. Whenever possible, consider lenders that don’t charge origination fees.
Does HSBC personal loan charge a late fee?
HSBC personal loan does not disclose whether it charges late payment fees.
Does HSBC personal loan charge prepayment fees?
No, HSBC personal loan does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | 0% |
| Prepayment Fee | No |
| Late Payment Fee | No |
What do you need to qualify for HSBC Bank USA Personal Loan?
Applicants with a credit score of at least 650 and up to 850 may be eligible for HSBC Bank USA Personal Loan. The minimum age to be eligible is 18 or the state minimum, whichever is higher. HSBC Bank USA Personal Loan does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by HSBC Bank USA Personal Loan.
To qualify, applicants may need to provide the following documentation:
- Applicants must have an active and valid personal checking account
- Proof of income
- Bank account information
- Government issued photo ID
- Proof of identity
- Proof of residence
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Credit Score | 650 - 850 |
What is the estimated funding time for a personal loan via HSBC personal loan?
HSBC personal loan will typically fund loans within 1 to 4 business days of approval and clearing necessary verifications.
Does HSBC Bank USA Personal Loan report your account activity to credit bureaus?
Yes, HSBC Bank USA Personal Loan reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does HSBC Bank USA perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. HSBC personal loan allows you to check your rates with a soft credit pull.
Are HSBC Bank USA Personal Loan legit?
HSBC Bank USA was founded in 1865, it is a well-established company that has been in business for 161 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
10:00AM - 4:00PM
Tuesday
10:00AM - 4:00PM
Wednesday
10:00AM - 4:00PM
Thursday
10:00AM - 4:00PM
Friday
10:00AM - 4:00PM
Saturday
9:00AM - 1:00PM
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +67, or 4.3 on a 5-point rating scale.
+67
-1000+100
No one recommends
Everyone recommends
HSBC Bank USA Personal Loan Community Reviews
Would you recommend HSBC Bank USA Personal Loan to your friends?
MS
Michelle S.
Oct 30, 2023
May or may not recommend
Had this bank for a very long time and I loved it until I couldn’t find it no where near my house
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
HSBC one of the most convenient and trustworthy bank and of my 2 years with them has been an easy going.
TH
Travis H.
Oct 7, 2022
May or may not recommend
Worked with me years ago got my first ATV in 2006 was a pleasant experience all around. I highly recommend
AH
Abry H.
Oct 3, 2022
May or may not recommend
HSBC offered a low APR and few fees, which is why I chose them for a loan. It was quick and easy to get approved, and the money was deposited in my account within a day. Overall, my experience with HSBC was positive, but the few times that I needed to contact someone with a question or problem, I had a hard time getting ahold of anyone. The hold time ...Show More
CU
Chinonyerem U.
Sep 18, 2022
May or may not recommend
I will not recommend HBSC BANK USA due to the very low interest fee , they charge exorbitant late fee after making a payment, they raise alarm for almost all transactions you make regarding it as a suspicious transaction I can't deal and I do not recommend at all my friends also have bad reviews about them.
FM
Fathima M.
Aug 27, 2022
May or may not recommend
HSBC one of the most convenient and trustworthy bank and of my 2 years with them has been an easy going.
Truelove G.
Jul 30, 2022
May or may not recommend
I have used HSBC for a number of years whilst living in the UK. They were the first bank I went to for a personal loan, and due to my long running custom with them they offered me an unbeatable rate with flexible terms I could negotiate to suit my repayment preferences. The whole process was easy, friendly and efficient. With bank locations all around the world I know I ...Show More
RF
Robelys F.
May 23, 2022
May or may not recommend
I really recommend this bank loan if it wasn’t for this bank loan I would not have bought my dream home they are excellent
RC
Ricke C.
Nov 1, 2019
May or may not recommend
I want a load to pay off some debt consoldation.
Showing 9 of 9 reviews
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