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Car Loans and Finance


Low rate loans from

3.1 % APR

Representative on £7,500 to £25,000

Representative on £7,500 to £25,000

The world is changing and so are we!

From early next year, we’ll be rebranding from Hitachi Personal Finance to NOVUNA Personal Finance with a fresh new look and feel. We’re really excited about our new brand and positive you’re going to love it! Find out more

Get in the driving seat with a personal car loan

  • Car loans as low as 3.1% 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 7 years running

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Our price promise

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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 £233.56 per month with our maximum 31.9% 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 £233.56 per month with our maximum 31.9% 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 7 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.


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.


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


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.


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).


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


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