Novuna Personal Finance vs HSBC UK (loans): which is better? Comparison 2026
By our public methodology Novuna Personal Finance scores 57 out of 100 and HSBC UK (loans) scores 52. Below: the factors and facts where they differ, each fact with its source.
Score breakdown
| Novuna Personal Finance | HSBC UK (loans) | |
|---|---|---|
| Licence | 40 | 40 |
| Transparency | 60 | 40 |
| Cost | 75 | 76 |
| Service | 63 | 71 |
Pros and cons
Novuna Personal Finance
- Licence confirmed by the official list or a stated licence number
- Publishes how to complain
- No arrangement fee in the standard terms
- Terms state that early repayment is free
HSBC UK (loans)
- Licence confirmed by the official list or a stated licence number
- Publishes how to complain
- No arrangement fee in the standard terms
- New customers can apply online
- A charge can apply to early repayment
Facts side by side
| Fact | Novuna Personal Finance | HSBC UK (loans) |
|---|---|---|
| Licensed by the regulator | Yes novunapersonalfinance.co.uk | Yes bankofengland.co.uk |
| Published rate, % of country reference | 100% novunapersonalfinance.co.uk | 99% hsbc.co.uk |
| Free early repayment | Yes novunapersonalfinance.co.uk | No hsbc.co.uk |
| No arrangement fee | Yes novunapersonalfinance.co.uk | Yes hsbc.co.uk |
| Complaints procedure | Yes novunapersonalfinance.co.uk | Yes hsbc.co.uk |
| Online application for new customers | Yes novunapersonalfinance.co.uk | Yes hsbc.co.uk |
| Support hours a week | 39 h novunapersonalfinance.co.uk | 84 h hsbc.co.uk |
| Maximum amount, % of country reference | 100% novunapersonalfinance.co.uk | 86% hsbc.co.uk |
| Longest term | 84 mo novunapersonalfinance.co.uk | 96 mo hsbc.co.uk |