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Graduate Loan

Specifically designed for graduates

HSBC Graduate Loan

Specifically designed for people who have obtained a qualification from a tertiary institution within the past 4 years, our loan can help you put your plans into action. Enjoy preferential rates and a maximum loan amount of €30,000.


With the HSBC Graduate Loan, you will get:

  • Loan amount
    Borrow from a minimum of €600 to a maximum of €30,000.
  • Purpose
    A Graduate Loan may be used for practically any personal (i.e. non-commercial) purpose.
  • Interest rate
    Preferential variable interest rate of 4.5% (4.7% APRC).
  • Fast decision
    We will give you a quick reply to your loan request.

Product overview

Loan amount and purpose

You may borrow from a minimum of €600 to a maximum of €30,000 subject to income and other criteria.

A Graduate Loan may be used for practically any personal (i.e. non-commercial) purpose.

Interest rate

Through a Graduate Loan you may benefit from a preferential variable interest rate of 4.5% (4.7% APRC) (i.e. a margin of 2% over the Bank's Base Rate which is 2.5%).

The maximum amount you may borrow is subject to your financial status, and to further approval by your branch. Terms and conditions apply.

The Annual Percentage Rate of Charge (APRC) on a Graduate Loan of €10,000, repayable over 7 years at a variable borrowing rate of 4.5% per annum, will be 4.7%.
The loan will be repayable in 83 equal monthly instalments of €139.31 and one final instalment of €140.11.
The total amount paid after 7 years will be €11,702.84.

Early repayment fees

There are no early repayment fees on Graduate Loans. You can repay your loan in full at any time.


When you apply for a Graduate Loan, we will ask you to present your ID card, together with evidence of income. If you are employed, you will need to provide your latest FS3 and the latest three months’ payslips. If you are self-employed, we will ask you for up to date income tax returns for the last three years.

We may also ask for other documentation, depending on your individual circumstances.

Other conditions

When you apply to borrow money from us, we want to ensure that you will be able to meet your monthly repayments. We feel that it would not be in your best interest to take on a commitment which you may find difficult to manage. We will grant you a loan following an assessment on your financial position performed by your branch.

Wherever possible, your salary / income is to be credited directly to an account with HSBC from which loan repayments will be effected.


To apply for a Graduate loan you must have obtained a qualification from a tertiary institution within the past 4 years, be a resident of Malta, have your income credited to an HSBC account and aged 18 or over.

Other eligibility criteria may apply.

Apply online

We have a simple online personal loans application for our online banking customers.

If you are an HSBC customer you can apply online for a personal loan. This means that if successful you could have the money in your account without the need to visit a branch. You will also benefit from no processing fees.

Applying online is easy and takes less than 10 minutes to complete our simple application. If your application is successful, we aim to transfer funds to your account in 24 hours. It may take a little longer during the weekend and public holidays or if we need more information.

There may be some instances where we can't process your application online. In these cases, we will let you know and your request will go to a branch for them to contact you.

HSBC customers

If you don't have online banking or are new to HSBC

Apply in branch

Alternatively, you can visit one of our branches, where our staff will be glad to give you further information and process your application.

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