HSBC Personal Loan In Singapore

HSBC Personal Loan has one of the lowest personal loan interest rates in Singapore, starting from an attractive loan rate of 2.92% p.a. (EIR 5.50% p.a.), and you can borrow up to 8x your monthly salary.

Moreover, the annual income requirement is just S$30,000 for Singaporeans and Singapore Permanent Residents, and S$40,000 for foreigners. 

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Banks and financial institutions are strict when it comes to giving personal loans to borrowers. For example, they require you to have a minimum annual income requirement, and also limit the amount you can borrow based on your annual income. However, if you need an urgent injection of funds, that's not to say you can't get a personal loan approved if you're a low-income earner. unless you decide to look for financial assistance from the government.

If you're looking for a personal loan with a lower income requirement, here are the best personal loans to consider in Singapore.

 
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S$1,000 Min Loan Instant Approval Up To 7-Year Tenure Instant Loan Disbursement
HSBC Personal Loan

HSBC Personal Loan

Min. Annual Income
S$ 30,000

3 Offers Available

Free Interest Flash Deal
Up to S$400 of your loan's first-year interest covered by SingSaver
Up to S$400 of your loan's first-year interest covered by SingSaver

Valid until

31 May 2024

SingSaver Exclusive Offer
Apple iPhone 15 Pro 256GB (worth S$1,825.75)
Apple iPhone 15 Pro 256GB (worth S$1,825.75)

Valid until

30 June 2024

SingSaver Exclusive Offer
Apple Macbook Air 256GB 13 inch (M2 chip) (worth S$1,613.80)
Apple Macbook Air 256GB 13 inch (M2 chip) (worth S$1,613.80)

Valid until

30 June 2024

SingSaver Exclusive Offer
Apple iPad 10th Gen 64GB + AirPods Pro Gen 2 bundle (worth S$1,057.30)
Apple iPad 10th Gen 64GB + AirPods Pro Gen 2 bundle (worth S$1,057.30)

Valid until

30 June 2024

SingSaver Exclusive Offer
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)

Valid until

30 June 2024

SingSaver Exclusive Offer
Dyson V8 Slim Fluffy (worth S$509)
Dyson V8 Slim Fluffy (worth S$509)

Valid until

30 June 2024

SingSaver Exclusive Offer
S$50 Cash via PayNow
S$50 Cash via PayNow

Valid until

30 June 2024

SingSaver Exclusive Offer
S$700 eCapitaVoucher
Up to S$700 eCapitaVoucher

+ 4 other gift options

Valid until

30 June 2024

HSBC Personal Loan Product Overview

 

Here's an overview of HSBC Personal Loan, including the interest rate, fees, minimum annual income, and more. 

Particulars Singapore citizens/ Singapore PRs Foreigners
Interest rate From 2.92% p.a. (EIR 5.50% p.a.) From 2.92% p.a. (EIR 5.50% p.a.)
Minimum annual income S$30,000  S$40,000 and an Employment Pass with validity of at least 6 months
Age requirement Between 21 and 65 years old Between 21 and 65 years old

Maximum loan amount
Up to 8x your monthly salary, capped at S$200,000 (with annual incomes of at least S$120,000)

Up to 4x your monthly salary (with annual incomes from S$30,000 to S$120,000)
Up to 4x your monthly income (capped at S$100,000)

Loan tenure

1 to 7 years  Capped at the remaining validity period your Employment Pass, rounded down to the nearest whole year
Processing fee 1% of the approved amount, or a minimum of S$88 1% of the approved amount, or a minimum of S$88
Early settlement fee Will be indicated in the notification letter provided with the loan Will be indicated in the notification letter provided with the loan
Late payment charge S$120 S$120
Minimum annual income S$30,000  S$40,000

 


HSBC Personal Loan Promotion

 

HSBC_PL_TIERED_KV1_BLOGARTICLE_800x250

⚡Flash Deal⚡: Be one of the first two daily at 12pm to apply for an HSBC Personal Loan with at least a minimum loan amount of S$20,000 and SingSaver will cover your 1st year’s interest (up to S$400) on top of existing rewards. Remaining approved applicants will enjoy SingSaver’s Exclusive Offer. Valid till 31 May 2024. T&Cs apply.

SingSaver Exclusive Promotion: Enjoy the following rewards when you sign up for an HSBC Personal Loan:

Receive an Apple iPhone 15 Pro 256GB (worth S$1,825.75) or an Apple Macbook Air 256GB 13 inch (M2 chip) (worth $1,613.80) or an Apple Bundle (worth S$$1057.60) [Apple iPad 10th Gen 64GB (worth S$691.60) + Apple AirPods Pro Gen 2 (worth S$365.70)] or a Dyson AirWrap 2.0(worth $859) or Dyson V8 Slim Fluffy (worth $509) or S$700 eCapita Vouchers when you get approved for a loan of min. S$10,000 with tenure of 3 to 5 years. Valid till 30 June 2024. T&Cs apply.

 

Why Should You Apply For HSBC Personal Loan?

interest rate
asian lady happy
loan on laptop
foreigners looking at laptop

Competitive Interest Rates


HSBC Personal Loan offers an attractive loan interest rate starting from 2.92% p.a. (EIR 5.50% p.a.) for eligible income earners of S$30,000 and above, making it a competitive option.

Quick Approval Process


You can apply online, get your loan approved within one minute, and receive the cash disbursement as quickly as the next working day. 

Upsize Loan


HSBC Personal Loan allows you to borrow up to 8x your monthly salary (capped at S$200,000) if your annual income is S$120,000 or more.

Those with annual incomes between S$30,000 to S$120,000 can borrow up to 4x their monthly income.

Lower Income Criteria For Foreigners

Foreigners earning S$40,000 and above are eligible for HSBC Personal Loan, which is one of the lowest among banks. To qualify, you'll need an Employment Pass valid of least 6 months from the loan disbursement date.


How To Apply For HSBC Personal Loan

To apply for HSBC Personal Loan, click the 'Apply Now’ button below and complete the application form on HSBC’s page, which includes your personal particulars, employment details, and financing requirements. 



HSBC_PL_TIERED_KV1_BLOGARTICLE_800x250

⚡Flash Deal⚡: Be one of the first two daily at 12pm to apply for an HSBC Personal Loan with at least a minimum loan amount of S$20,000 and SingSaver will cover your 1st year’s interest (up to S$400) on top of existing rewards. Remaining approved applicants will enjoy SingSaver’s Exclusive Offer. Valid till 31 May 2024. T&Cs apply.

SingSaver Exclusive Promotion: Enjoy the following rewards when you sign up for an HSBC Personal Loan:

Receive an Apple iPhone 15 Pro 256GB (worth S$1,825.75) or an Apple Macbook Air 256GB 13 inch (M2 chip) (worth $1,613.80) or an Apple Bundle (worth S$$1057.60) [Apple iPad 10th Gen 64GB (worth S$691.60) + Apple AirPods Pro Gen 2 (worth S$365.70)] or a Dyson AirWrap 2.0(worth $859) or Dyson V8 Slim Fluffy (worth $509) or S$700 eCapita Vouchers when you get approved for a loan of min. S$10,000 with tenure of 3 to 5 years. Valid till 30 June 2024. T&Cs apply.

Frequently Asked Questions

You can borrow up to 4x your monthly salary if your annual income is between S$30,000 and below S$120,000.  If your annual income is S$120,000 and above, you can borrow up to 8x your monthly salary. For foreigners, the maximum amount you can borrow is 4x your monthly salary (capped at S$100,000). 

You can get an approval in-principal within one minutes and receive the cash disbursement as quickly as the next working day. 




You can reach HSBC's customer service at 1800-HSBC NOW (4722 669) or (+65) 64722 669 if you’re calling from overseas. 

SingSaver Exclusive: Travel Insurance Promotions in Singapore

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Exclusive Offer
Best Value

Tiq Travel Luxury

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Cancellation coverage

S$
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Medical Coverage (Overseas)

S$
1,000,000

Bags & Belongings Coverage

S$
3,000
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獎勵

Use the promo code TIQSINGSAVER to get 45% off when you buy now. Valid till 22 May 2024. T&Cs apply. Also receive Complimentary lounge access during flight delays. Valid till 1 July 8:59 am 2024. T&Cs apply.

Apply via SingSaver to get the best deal, guaranteed. Read more about our Best Deal Guarantee here.

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TIQ also distinguishes itself with its extensive coverage for COVID-19 and its inclusion of adventure sports protection. You can enjoy a peace of mind with COVID-19 coverage that extends up to S$500,000 for medical expenses related to the virus, ensuring you are well-protected in case you contract it during your trip or even before. 

Additionally, TIQ offers coverage of up to $5,000 for non-refundable expenses if you need to cancel or postpone your trip within 14 days of your departure date.

It's important to note that COVID-19 coverage is available as an add-on, starting at S$45 (for a 10-day trip to Germany). However, considering the substantial coverage it provides, the additional cost is well justified.

For travellers planning adventurous activities, TIQ has you covered. They offer an optional sports equipment cover that provides protection for equipment such as golf clubs, diving gear, fishing equipment, bicycles, ski gear, snowboards, and climbing equipment, with coverage extending up to S$4,000.

SingSaver's Exclusive TIQ Travel Insurance Promotion: 

Single Trip: Use the promo code TIQSINGSAVER to get 40% off. Valid till 31 May 2024.

Annual Trip: Use the promo code TIQSINGSAVER to get 60% off your COVID-19 rider. Valid till 31 May 2024.

Also receive a Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am. 

Key in the promo code under the coupon code section on the next page after selecting your destination and dates. The prices shown are before discounts.

Receive coverage for trip cancellations, medical expenses, and more when you purchase the COVID-19 Rider. T&Cs apply.


Real User Reviews of Tiq Travel Luxury Travel Insurance Plan

"Claim process online was easy and fast."

What others are saying about this plan?

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What others are saying about this card?

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Rating Group - 5
Reviewed by Seedly User, ZiHan Foong

[Claims Process]

Lost baggage claim when I’m back to Singapore. Claim process online was easy and fast. Received the claim amount within a day via etiqa online account upon submission of all required documents

Rating Group - 5
Reviewed by Seedly User, Gerry

i bought the annual insurance last sep 2019 before i went for my trip. the claims are really fast and i am talking about hours in claim processing. I sent in my invoice at 1pm and the money was cashed in at 4pm!!! also, customer service is pretty fats in responding as well!!! of coz i did a lot of the things in app as to online i can’t comment.

 


Best for families: Direct Asia Travel Insurance

Popular

Direct Asia Travel Insurance - Voyager 500

Direct Asia Travel Insurance - Voyager 500

Cancellation coverage

S$
15,000

Medical Coverage (Overseas)

S$
500,000

Bags & Belongings Coverage

S$
5,000
See more
See less

獎勵

Enjoy 40% discount when you buy now. Valid till 31 May 2024. T&Cs apply. Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am. T&Cs apply.
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If you’re bringing your kids along on your trip with you, Direct Asia Travel Insurance might be your new go-to travel insurance because, firstly, it offers complimentary coverage for up to 4 children.

Though most family plans offered by insurers come at a fixed price no matter how many kids you have, they might still have extra costs beyond just paying for 2 adults. But for Direct Asia, your’re just paying for 2 adults if you opt for a family plan.

On top of that, the coverage for each child and adult is the same, meaning that your children are still able to claim up to the same claim limit as you, up to the limit set by the family plan. If you compare to other travel insurance plans, some offer much lower coverage for children. This gives you the peace of mind of knowing that your children are sufficiently covered as well!

When it comes to medical expenses, Direct Asia offers coverage for treatment received overseas and when you’re back in Singapore. They even cover Traditional Chinese Medicine (TCM) treatment up to S$750 which not many other plans offer — great for those who are strong believers of TCM and their benefits.

Direct Asia Travel Insurance Promotion: Enjoy 40% discount when you apply NOW! Valid till 31 May 2024. T&Cs apply. Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am. 


Best value-for-money: FWD Travel Insurance

Exclusive Offer
Best Value

FWD First

FWD First

Cancellation coverage

S$
15,000

Medical Coverage (Overseas)

S$
1,000,000

Bags & Belongings Coverage

S$
7,500
See more
See less

獎勵

The right policy for you if you want:

  • Hassle-free claims so you get reimbursed easily and quickly
  • Affordable comprehensive coverage for worry-free travel
  • 50% reimbursement, even if you have to cancel your trip for any reason
  • Enhanced benefits with add-ons for pet care, home content cover, sports equipment and pre-existing conditions

Use promo code FWDTRAVEL to get 35% off on your plan. Valid till 21 May 2024. T&Cs apply. Also receive:

Purchase via SingSaver to get the best deal, guaranteed.

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If you subscribe to the belief that "having some coverage is better than having none" and prioritise affordability, FWD Travel Insurance could be an excellent choice for you. Their plans kick off at just S$60.72 for a 10-day trip to Germany, making them the most budget-friendly option available.

However, when it comes to comparing the extent of coverage, it doesn't fall short. They provide substantial overseas medical coverage, allowing claims of up to S$1,000,000. Additionally, their coverage for trip cancellation is quite generous, offering up to S$15,000 in protection.

The only drawback is that the plan doesn't include COVID-19 coverage as a standard feature, but you can opt for an add-on rider at an additional cost of S$21.54 (for a 10-day trip to Germany). This rider offers coverage of up to S$200,000 for medical expenses related to COVID-19, a daily overseas quarantine allowance of S$50 for a maximum of 14 days, and trip disruption coverage of up to S$5,000.

Beyond its cost-effectiveness, FWD Travel Insurance boasts a hassle-free claims system and efficient customer service. You can easily submit your claims via the FWD SG App and seek assistance if needed.

Also, FWD just added coverage for trip cancellation, postponement or curtailment for any reason, up to S$6,000. This is only applicable if you purchase the add-on within 7 days from the initial trip deposit for your trip.

 

SingSaver's Exclusive FWD Promotion: Use the promo code SSTRIP to get a 30% discount on Single Trip and Annual Trip plans! Valid till 26 May 2024. T&Cs apply. Also receive:

  • Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am. 
 

Real User Reviews of FWD Travel Premium Plan

"Purchasing a FWD travel was simple and fuss free."

What others are saying about this plan?

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What others are saying about this card?

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Rating Group - 5
Reviewed by Seedly User, Roger

[The process to purchase insurance was seamless and easy. Payment was convenient as well and able to pay using Paynow and grabpay even. Recommended!

Rating Group - 5
Reviewed by Seedly User, Seah

Purchasing a FWD travel was simple and fuss free. You could simply purchase on their website and adjust the coverage you need without an agent. Q&A is promptly replied by their customer service support

 

Best for comprehensive coverage: Singlife Travel Insurance

Exclusive Offer
Best Value

Singlife Travel Prestige

Singlife Travel Prestige

Cancellation coverage

S$
20,000

Medical Coverage (Overseas)

Unlimited

Bags & Belongings Coverage

S$
8,000
See more
See less

Exclusive SingSaver Promotion

The right policy for you if you want:

  • Comprehensive coverage for frequent flyer points
  • Comprehensive coverage for outdoor activities

  • 50% reimbursement, even if you have to cancel or change your travel dates

  • MINDEF/MHA & POGIS insured members and their family get up to 48% off single trip plans

Use the promo code FLY28 to get 28% off when you buy now. Valid till 22 May 2024. T&Cs apply.

Also receive:

Purchase via SingSaver to get the best deal, guaranteed.