HSBC Student Loan

Our student loan is a great way to put your plans into action at university. The loan can be used for practically any personal purpose up to a value of €3,500.


With the HSBC Student Loan, you will get:

  • Fast decision
    We will give you a quick reply to your loan request.
  • Preferential variable interest rate
  • Flexible loan
    A Student Loan may be used for practically any personal (i.e. non-commercial) purpose.
  • Maximum amount
    You may borrow up to a maximum of €3,500 subject to income and other criteria.
  • No security required
    Our student loans are unsecured.

Product overview

Maximum loan amount

You may borrow up to a maximum of €3,500, subject to income and other criteria. A Student Loan may be used for practically any personal (i.e. non-commercial) purpose.

Interest rate

Through a Student 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 Student Loan of €3,000, repayable over 5 years at a variable borrowing rate of 4.5% per annum, will be 4.7%.
The loan will be repayable in 59 equal monthly instalments of €56.02 and one final instalment of €56.21.
The total amount paid after 5 years will be €3,361.39.


To apply for a Student loan you must be a resident of Malta, be a full time student, studying secondary or tertiary education in Malta, aged between 18 and 25 years, and have your stipend credited directly into an HSBC Student account. 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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