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Car Loans and Finance

4.9/5

Low rate loans from

3.2 % APR

Representative on £7,500 to £25,000

Representative on £7,500 to £25,000

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Get in the driving seat with a personal car loan

  • Car Loans as low as 3.2% APR for your next vehicle

  • Up to 5 years to repay your car loan

  • Over 30 years experience in financing personal car loans

  • Choose the date your repayments are made

  • No hidden charges or arrangement fees

  • The UK’s Best Direct Loan Provider for 6 years running

Loan calculator

Choose how to calculate your loan repayments
£
months

Our price promise

Representative Example:

Monthly repayment

£{value}

Interest rate

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Total amount payable

£{value}

Loan amount

£{value}

Loan Term

{value} months

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Our price promise

Remember, the rate you are offered may vary due to personal circumstances and loan amount, the majority of our customers receive the advertised rate. However, if you complete an application directly via the Hitachi Personal Finance website and are given a higher APR, we guarantee that you'll never pay more than £230.04 per month with our maximum 30.9% APR Representative when you borrow £7,500 over 5 years*.

The maximum APR you could be offered when you borrow other loan values is 35.9%*. All loans are subject to status.

*Only for applications carried out directly via the Hitachi Personal Finance website

Why choose us for personal car loans?

Whether you’re buying old or new, our car finance covers all price ranges, and you can take up to five years to repay. To find out how much car finance you could be eligible to borrow with us, use our car loan calculator then apply online for an immediate decision.

Our price promise

We guarantee you’ll never pay more than £230.04 per month with our maximum 30.9% APR Representative when you borrow £7,500 over 5 years*. It’s one of the reasons we’ve been voted the UK’s Best Direct Loan Provider by Your Money for six years running.

About our Car Loans

Unlike traditional car finance, our personal car loans deposit funds directly in your bank account, effectively making you a cash buyer.

That means you can bypass any mileage restrictions or inflated APR rates set out by the dealership and negotiate a better deal on your dream car.

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With a loan from us, you can borrow from £1,000 up to £25,000 . Our loans can also be used for other road vehicles such as motorbikes and scooters.

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No. When you take out a personal car loan with us, we guarantee you’ll never pay arrangement fees or any other hidden charges.

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Our online application process takes just 10 minutes. We’ll make an instant decision and the funds could be in your account within 48 hours.

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We offer flexible repayment terms so you can spread the cost of your car loan from 24 months (2 years) up to a maximum of 60 months (5 years).

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Yes, you can settle your agreement in full at any time without additional charges.

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Loans FAQs

What is a car loan?

Car loans are a type of personal loan specifically used to purchase a vehicle. This differs from PCP (Personal Contract Plan) arrangements, where you don’t own the car until you make the final payment.

Unsecured car loans enable you to borrow the money you need based on your creditworthiness and ability repay, so you can buy the car outright and spread the cost over a term that suits you.

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Is a personal car loan the right option for me?

Our loans are fixed rate and have fixed repayment terms, so unlike a credit card agreement, you’ll pay the same amount every month for a set number of months.

For a loan with low interest, a personal loan tends to be a better option because all terms, including the amount borrowed and the repayment period are agreed up front.

A personal loan could also be a good option if you’re looking to borrow in a more structured way to help with budgeting.

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How is my car loan APR rate calculated?

The Annual Percentage Rate (APR) of your car loan is determined by the interest rate and any additional charges of the credit in question. While most of our borrowers receive the advertised rate, your APR rate may vary dependent on the amount you wish to borrow, the length of the term you choose and your own personal circumstances.

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Can I make overpayments on my car loan?

You can make extra payments on your car loan free of charge and at any time during the term of your agreement. Loan overpayments will be used to reduce the duration of your car loan agreement rather than the monthly payment amount, so you’ll continue to pay your monthly Direct Debit as usual until the debt is repaid.

Manage your account online to find out more about overpayments. Alternatively, speak to our Customer Service Team on 0344 375 5500.

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How much interest will I be charged on my loan?

Our low-rate car loans start from just 3.2% APR representative on loans between £7,500 and £25,000. Interest is charged daily and your rate will be fixed for the full term of your agreement. Most of our customers receive the advertised rate, but this may vary dependent on your personal circumstances, how much you wish to borrow and the repayment term.

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Customer Experience Rating

Our customer satisfaction is vital to our success, which is why we’re the only provider to give full visibility of our reviews, updated in real-time, 24 hours a day. Read all reviews

4.9/5

Based On 4906 Reviews.. Read all reviews

Very quick response and great rate for payments

Personal loan

Very efficient. Reasonable rates.Customer service is always very helpful.

Great service even during the current situation

Efficient and professional service, a little bit slow but given the current situation with corona virus it’s only to be expected.

Highly recommended - buy with confidence Hitachi products 👌

I found Hitachi lender via Experian' website recommendation. From applying for the loan on line, to acceptance outcomes was a very straightforward process, followed by a Customer Services representative's phone call to finalise details. Thank you.

Wouldn’t go anywhere else

Ease of application Instant decision Fast payment

Level of service

Fast reliable service.