About Us

Hitachi Personal Finance is a trading style of Hitachi Capital (UK) PLC, one of the UK’s leading financial services company with millions of customers across the UK and reputation for providing innovative finance solutions that help consumers and businesses realise their ambitions.

From 1 April 2021 we became a wholly owned subsidiary of Mitsubishi HC Capital Inc. strengthening our relationship with one of the world’s largest and most diverse financial groups.

We have a very personal approach to lending. We tailor our personal loans to match the things you want to buy, from cars to campervans, home improvements to holidays, making the process as easy and stress free as possible. And we combine it with outstanding customer service. That's what makes us different.


  • We offer some of the most competitive rates on the market - from as low as 3.2% APR Representative on loans between £7,500 - £25,000.
  • Our simple, straight-forward online application takes minutes and once approved, the money could be in your account within 48 hours (excluding weekends and Bank Holidays).
  • You can manage your account online giving you total control of your loan.
  • Our Customer Service Team are UK-based and on hand to help.
  • With over 30 years’ experience providing finance to over 5 million UK customers, you can rest assured that you’re in safe hands. Use our loan calculator to get a quick quote.

Voted Best Direct Personal Loans Provider

We’re also serious when it comes to providing a first-rate experience for our customers.

Our customer satisfaction score is consistently 98% or higher, and we have been voted as Best Direct Personal Loans Provider by YourMoney.com for the last seven years running.


Feefo Platinum Trusted Service Award 2021

We’re the only mainstream loan provider to provide full visibility of all of our customer reviews from Feefo, updated in real-time, 24/7.

With an average customer satisfaction score of 4.5/5* stars or higher for more than 3 years running, we have achieved the high standard required to win the Feefo Platinum Trusted Service Provider Award for the third consecutive year.

The coveted award recognises businesses that deliver exceptional experiences for their customers and go above and beyond to build trust.

*based on 44,157 customer reviews