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Car Loans

At a Glance

Can't afford that dream car? Think again

Whether you are buying your first car, upgrading to a bigger and better model, or looking to buy your dream car, we can provide a loan to fit your needs.

We offer fast, easy to apply for car loans with no hidden fees at highly competitive rates.

Car Loans details

  • Our Car Loans range between £2,500 to £25,000, for a term of 2 to 5 years
  • 3.8% APR Representative* on loans between £7,500 and £25,000
  • Easy online application, instant decision
  • Fixed monthly repayments
  • No arrangement fees

We believe in keeping things simple, so there are no set up fees or hidden charges. But remember the rate you are offered may vary due to personal circumstances and loan amount.

Carefully engineered with you in mind, our low cost loan is competitively priced, so whether you’re buying old or new, our flexible loan caters for all price ranges and you can take up to five years to pay it back.

Our easy online application literally takes minutes to complete and funds can be in your account the next working day.

Use our loan calculator to get a quick quote. 

We treat all our customers and their applications on an individual basis. The APR, loan amount and the interest rate we offer will depend on your personal circumstances, credit assessment procedures and other related factors. All loans are subject to status.

A Hitachi loan based on borrowing £7,500 over 5 years*
Representative Rate of interest Monthly repayment Total credit charge Total repayment
3.8% APR 3.8% (fixed) £137.22 £733.20 £8233.20

 

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Key facts

Key Facts – the essential information on our Car Loans, at a glance

How much can I borrow?

Our Car Loans product (and other loans for other vehicles) enables you to borrow between £2,500 and £25,000.

Loan Repayment

Your repayments will be made monthly, with the first repayment being payable 1 month after you sign your agreement.

You can however make overpayments and early repayments on your loan free of charge, subject to our terms and conditions – view our full set of terms and conditions.

What is the repayment period?

Repayment terms are between 2 years to 5 years.

Interest charged

The interest rate on the loan is fixed for the duration of the loan period. Interest is charged on a daily basis. Click on our calculator to see repayment calculations.

How quickly can I have the funds in my account?

The online application process takes 10 minutes. We will make an instant decision and the funds could be in your account within 48 hours.

Are there arrangement fees?

No, there are no arrangement fees or any other hidden fees attached to our loans.

What happens if I can’t make the repayments?

You should be aware that you will incur charges if payments are not made on time.

We will charge the following if repayments are not kept up to date:-

  • Returned or recalled Cheques or credit/debit card payments - £25 per occurrence
  • Direct Debits that are recalled - £22 per occurrence
  • Letters sent to you as a result of a breach of contract - £25 per letter
  • Default Notice - £50 per notice

Do you have a call centre?

Yes, our UK-based customer service team are waiting to speak with you on 0344 375 5500.

Our team is available
Monday - Friday - 8.45am - 7.30pm
Saturday - 8.45am - 12pm.

 

For more information on our loans please take a look at our Key Information section.

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Eligibility

Eligibility

Here is our list of criteria you must meet to apply for a Hitachi Personal Finance Car Loan;

  • You need to be aged 21 or over
  • You must have a bank or building society account
  • You must be a permanent UK resident (and have been living in the UK for at least 12 months)
  • You need to be in permanent paid employment, self-employed or retired with a pension
  • You must have a good credit history

It will also be helpful if you have the following information to hand when applying for a loan;

  • Annual income
  • Employment details
  • Bank account details
  • Last 5 years address history

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Car Loans Calculator

Use the slider to get a quote for a Hitachi Personal Finance Car Loan

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Your tailored quote:

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100% Happy Customers

We know that when it comes to choosing a loan, rates are important and that's why we keep ours competitive, so we're consistently in the best loans buy tables. Read more reviews

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