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HSBC Flexipay

Buying from an HSBC retail partner? You now have the option to select a financing plan for your purchase, with fixed monthly repayments to suit your budget.

What is HSBC Flexipay?

HSBC Flexipay lets you spread the cost when you make an eligible purchase from one of our partner retailers. Once you make the purchase, you can then repay monthly over a set period. You can apply for HSBC Flexipay whether you bank with us or not. Once approved, you can manage your account via the mobile app or online banking. 

Already applied?

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If your HSBC Flexipay application was referred and you’ve now received an approval email, please select the button below and follow the on-screen instructions.

Why use HSBC Flexipay

  • Finance plans can start from 0% APR
    You may be able to choose between finance plans that are interest-free and ones that have interest. Be sure to check with the retailer for specific rates as availability may vary.
  • Fast access to credit
    Once approved, you can make your purchase straight away using HSBC Flexipay.
  • Range of loan terms to choose from
    There are a range of loan terms available, so you can choose a repayment period that suits your budget and financial situation.
  • Fixed monthly payments
    Know exactly how much you need to pay back each month with a fixed interest rate and no hidden fees.
  • Flexible loan management
    Manage your finances the way you want, with the flexibility to make overpayments free of charge or repay your loan early, if you want. This could reduce the amount of interest you have to pay.

How does HSBC Flexipay work?

You can apply for HSBC Flexipay when you checkout with one of our partner retailers. We'll then run a full credit search to make sure HSBC Flexipay is a suitable lending product for you based on your financial history.

Step 1. Select HSBC Flexipay at checkout

When you checkout with one of our retail partners, choose HSBC Flexipay as your payment method*.

 

*HSBC Flexipay may only be available on certain products. Terms and conditions apply. Be sure to check with the retailer for exact details. 

Step 2. Select your finance plan

You'll see a range of finance plans to choose from - just select the one that best suits your requirements.

Step 3. Apply

We’ll ask for your personal, employment, and address details. We’ll then run a full credit search on your application that will be visible to other lenders - this is to make sure we’re offering you an affordable lending product.

Step 4. Next steps

We'll provide a response on your application within minutes. If you're approved, you'll just need to set up a Direct Debit and choose your repayment date.

Once you've read and accepted the key documents, you can complete your purchase using HSBC Flexipay.

Who can apply?

You can apply for HSBC Flexipay if you:

  • Are over 18 and a resident of the UK
  • Have an annual UK taxable income / pension before tax of £10,000 or more
  • Are a customer of any bank or building society with a Direct Debit facility

You can apply for HSBC Flexipay whether you bank with us or not.

Credit is subject to status. Terms and conditions apply.

Things you should know

APR and repayments

The APRs available may vary between retailers - be sure to check with the retailer for their rates. 

When you use HSBC Flexipay for the first time, your account will be opened but will show a £0 balance. 

Your account will show your full loan amount once the retailer notifies us that your order has been delivered. When this happens, it means your account has been drawn down. 

Your first repayment will then be due one month from the draw down date. It will be automatically collected on your chosen repayment date.

FAQs

Find out more

Discover how HSBC Flexipay works and how you can manage your account.
Discover 6 steps to make managing your loan repayments simpler.
Check out some of our services that can help you bank your way.
It's easy to answer your query online. Visit our Help page to find out how.