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Get a head start on securing your financial future. This year, your HSBC RRSP Loan could cost you $0 in interest*. Apply by March 1, 2022 to access our special interest rebate offer1.

Get ahead of your financial goals


Take advantage of our special interest rebate offer* when you apply for an RRSP loan of $5,000 or more. We’ll rebate the interest you paid between the date the loan was opened and the date it is paid in full or April 30, 2022.

Your payments need to be from an HSBC bank account to qualify.


This is a great opportunity to maximize your contributions while saving on interest costs.

Apply by March 1, 2022.

Features & benefits

  • Get a competitive interest rate2

  • Maximize your RRSP contributions for the year

  • Catch up on any RRSP contributions not made in previous years

  • Take advantage of tax benefits now while saving for your retirement

  • 1- to 5-year terms

  • Weekly, bi-weekly, or monthly payment options

Apply for an HSBC RRSP Loan

Apply online

Start your application online for an HSBC Personal Loan today. We will contact you within 2 business days about the status of your application.

By phone

Call toll-free 1-877-840-4722

* When you obtain a Registered Retirement Savings Plan (“RRSP”) loan with HSBC Bank Canada (“HSBC”) of CA$5,000 or more, you may receive an interest adjustment (the "Interest Rebate"). The Interest Rebate will be equal to the interest you will pay between the advance date of the RRSP loan and the date the loan is paid off in full or April 30, 2022 inclusive; whichever date arrives first ( (the "Eligibility Period"). Please read these Terms and Conditions which govern the HSBC RRSP Loan Interest Rebate Offer. The HSBC RRSP Loan Interest Rebate Offer runs from January 4, 2022 to March 1, 2022 inclusive (the "Offer Period").

APR means the cost of borrowing for a loan expressed as an annual rate. It includes all interest and some noninterest charges associated with the loan. Since there is no cost of borrowing other than interest, the annual interest rate and APR is the same and APR will fluctuate with the Prime Rate from time to time.

Application must be received no later than the campaign end period. The HSBC RRSP loan is subject to standard HSBC credit review and approval.

1 Prime rate is 2.45% as of December 31, 2021 and means the annual rate of interest HSBC Bank Canada announces from time to time as a reference rate for determining interest rates on Canadian dollar retail loans in Canada. The actual rate will vary depending on fluctuations to HSBC's Prime Rate. Rates are subject to change without notice. For information and to confirm most recent rates, please contact any HSBC Bank Canada branch.

2 Rates are subject to change without notice. For information and to confirm most recent rates, please contact any HSBC branch. Some restrictions apply.

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