FAQs

Yes. Log into your MyHPF account and select 'Make a Payment' from the menu list then enter the amount you would like to pay.

Payments higher than your monthly repayment will be deducted from the outstanding balance without affecting your monthly payment. Amounts less than your monthly repayment will reduce your next Direct Debit.

You can view your remaining balance and when your final payment is due via MyHPF.

We will take your scheduled payment through Direct Debit on or around your due date each month until your agreement is completed. Once we have taken your final payment, we will stop requesting the Direct Debit.

Yes, you can make payments, send secure messages, check your balance and much more via MyHPF. You can download the app via App Store or Google Play – alternatively, you can login via a browser.

You can update your details via MyHPF and selecting ‘change Direct Debit’ from the options.

If, at the time of your Direct Debit is in the process of taking your next payment, it will not be possible to update your Direct Debit details straight away.

Please note: We cannot accept a Direct Debit Instruction from a company bank account

We understand circumstances can change and once we know more about your personal and financial situation, we can look at other options available to you.

We may also need additional information about your situation to ensure the most suitable arrangement is put in place.

If you feel as though you need further support, there are plenty of debt charities and not-for-profit organisations who will be able to provide financial advice such as the ones listed below:

• StepChange Debt Charity
• National Debtline
• Citizens Advice Bureau
• Money Advice Service

You can sign your loan agreement online using our e-signature service, this is a fast and simple way of signing your agreement and enables us to get the funds to you as quickly as possible.

If you have not signed your agreement within 30 days, your loan offer will expire, and another application will need to be submitted.

Yes, you have 14 days to withdraw the agreement. If you don’t wish to continue, please call our Customer Service Team on 0344 375 5500 within this time period or we'll assume you're happy with everything and you will be bound by the terms of your loan.

To get a settlement figure login or register via MyHPF. Select ‘Settle agreement’ from the list of options in the menu.  This will show your current settlement figure and you can also make a settlement payment on this page.

Please be aware of fraud and scammers. Hitachi Personal Finance have recently been made aware of scammers potentially using our brand to commit loan fee fraud, asking for an upfront payment before any finance is released.

We never request any upfront payments from any customers at any stage.  If you are asked by someone purporting to be from Hitachi Personal Finance to make an advance payment, please DO NOT do so and please do not provide any personal bank account or card details.

We can work with you to reduce your monthly payments to make it more affordable in the short term until your circumstances improve, or for a longer period if needed whilst you are adjusting to a revised financial position.

This may be a suitable option if you are able to catch up on any arrears that accrue as a result of your reduced payment arrangement.

If you would like to apply for a payment arrangement, please fill in our web form and we will be in touch within the next 5 working days.

IMPORTANT - Please be aware this may have an impact on your credit file, as arrears and the reduced payment arrangement will be reported to Credit Reference Agencies.

If you’re unable make your next payment or are in arrears, and need some time to get debt advice, we can put your agreement on hold for 30 days. This option would be suitable:

• If your circumstances have changed and you need time to work out your new financial situation.
• If you expect your circumstances to improve within the next month.

If you would like to apply for a payment hold, please fill in our web form and we will be in touch within the next 5 days.

IMPORTANT - Please beware this may have an impact on your credit file, as arrears will be reported to Credit Reference Agencies.

There are several charities and not-for-profit organisations who offer free and impartial advice:

• Step Change
• The Money Advice Service
• National Debtline
• Citizens Advice Bureau

HMRC
The helpline allows any business or self-employed individual who is concerned about paying their tax due to coronavirus to get practical help and advice. If you're unable to pay due to COVID-19, HMRC will discuss your specific circumstances to review your options. The helpline number is 0800 0159 559 or visit their website.

Financial help for freelance and contract workers
The government website is the best place for information on universal credit and statutory sick pay.

NHS Live Well
For advice and support on dealing with illness and staying healthy, visit the NHS Live Well website.

Covid-19 has caused delays in postal deliveries across the UK, which may mean information takes longer than expected to reach you. It may also cause a delay in us being able to process items sent to us such as cheques or changes made to your agreement.

If a cheque was received on time, but not processed in a timely manner, you will not incur any additional charges and your credit file will not be affected.

To avoid potential late payments, please use CHAPS or Faster Payments through your bank to make payments instead of sending cheques in the post.

You can also manage your account and make payments online through our MyHPF portal or the MyHPF App, which will save you time.