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HSBC Student Loan

Help with putting your plans into action

Helping you graduate

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 2.0% 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 €56.38.

The total amount paid after 5 years will be €3361.56.


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 or abroad, aged between 18 and 30 years, and have your stipend credited directly into your HSBC Student account. Other eligibility criteria may apply.

How to apply

You'll need to book a branch appointment in order to apply.

This is only available for HSBC Malta customers. If you are not already an existing customer, please see how to Become A Customer.

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.

Financial Difficulties?

At HSBC we're committed to supporting our customers through good times and bad. We understand that unexpected circumstances may impact your finances from time to time.

If you are concerned about your ability to meet your payment obligations with us, it is important that you let us know as soon as possible. We may be able to help.

Please send us an email on if you would like to discuss your situation with a member of our team.

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