HSBC Auto Finance (Household) specializes in the refinancing of automobile loans for consumers. Even if you have had previous credit problems, HSBC may be able to help. Dealing with HSBC online offers the following benefits:

• One simple auto refinancing application.
• Most decisions are made within 60 seconds of applying.
• Support over the life of your loan. From the moment you apply to the day of your last payment, HSBC Auto will be there for you.

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HSBC refinances cars, light trucks (less than one ton), and sport utility vehicles. HSBC will not refinance commercial vehicles, recreational vehicles, conversion vans, salvaged, lemon law, gray market, repossessed, auctioned, or private party vehicles. Currently, the vehicle age must be 1997 or newer with a maximum of 80,000 miles for a refinance.

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In order to apply for a HSBC Auto loan, you must be at your current residence for at least one year or reflect that your have lived in the area for at least three years. A job transfer with the same employer is treated as continuous residence for purposes of meeting this requirement.

You must have at least one year of continuous employment. The one (1) year of employment can be no more than two (2) jobs with no more than a 30-day gap.

Minimum income required is $2,000 gross per month for purchase applications and $1,600 gross per month for refinance applications. Alimony, child support, or separate maintenance income need not be revealed on your application if you do not wish to have it considered as a basis for repaying the credit obligation.

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Once you apply online for your HSBC Auto loan, in most cases you will know within one minute if you have been approved. You will be notified via e-mail of the loan decision. If you decide you want to proceed with the loan, an account specialist will mail you a loan package. The loan package will include a checklist and instructions of what needs to be completed and sent back to HSBC.

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HSBC acquired Household in March 2003.   Headquartered in London, HSBC is one of the world's largest banking and financial services organizations and the sponsor of the HSBC Direct Online Savings Account.  HSBC's international network is made up of over 9,500 offices in 79 countries in Europe, the Asia-Pacific region, the Americas, the Middle East and Africa.  HSBC offers a comprehensive range of financial services; personal financial services; consumer finance, commercial banking, corporate, investment banking and markets and private banking.  HSBC has become one of the world's strongest brands.  HSBC stands for integrity, trust and excellent customer service - values that undoubtedly are important to you as a customer.

HSBC Auto Finance, headquartered in San Diego, is a leading provider of financing for new and used vehicles and has products that serve the full spectrum of credit consumers.   For dealers, HSBC Auto Finance purchases consumer contracts from thousands of active car dealers in 46 states.   For Consumers, HSBC Auto Finance originates or refinances auto loans through direct solicitations, the Internet and alliances.  The company also services auto loans for other HSBC companies including HFC and Beneficial branches.

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