Before you apply

Our loans range from £2,500 to £25,000.

Repayment terms are available from 2 to 5 years.

We do not offer preferential rates for any new or existing customers. Our rates are competitive for all customers.

To apply for a Hitachi loan you must meet the following criteria:

• Aged 21 or over
• Hold a bank or building society account
• A permanent UK resident (and have been living in the UK for at least 12 months)
• In permanent paid employment, self-employed or retired with a pension
• Have a good credit history

If you apply online and your loan is accepted, you can e-sign your application form online meaning there is no need to complete a paper application. 

If you apply online, the application process should take no longer than ten minutes. If your loan is accepted, you can e-sign your application form online too, which enables us to get the funds to you much quicker.

Start your online application.

However if you would prefer to speak to someone, please call 0343 351 9112 and a member of our Loans Team will go through the application with you. All inbound and outbound calls may be recorded for training and monitoring purposes.

This should be the total time you have held a mortgage at the address you are using for your application.

This should be the total time you have been a customer of the bank you are using for your bank details on your application.

The decision will be instant once you submit your application. In some cases, we may require additional information from you before we make a final decision.

Your loan will usually be credited to your bank account within two working days of us receiving your signed agreement and completing our checks.

No. We do not charge any arrangement fees.

No. We do not charge any additional fees.

We conduct a search of your credit file through a Credit Reference Agency to assess your current and settled financial commitments and the payment history shown against these.

The search is based on your name and the addresses you provide to us when you apply to use our finance facilities. A record of our searches will be shown on your credit file to make other lenders aware we have requested information about you.

If your loan has been declined and you're unhappy with our decision, you can email us at referrals@hitachicapital.co.uk or write to us at:

Underwriting Department
Hitachi Capital Consumer Finance
Leeds
LS11 9BH

You can also get a copy of your credit report from the following credit reference agencies:

Experian Ltd
Experian Help Service
PO Box 8000
Nottingham
NG1 5GX

www.experian.co.uk

Consumer Service
Callcredit Limited
PO Box 491
Leeds
LS3 1WZ

www.callcredit.co.uk

When writing to the Credit Reference Agencies please ensure you enclose a £2 administration fee.

If you’ve been declined, you can apply again, however, we would recommend waiting at least 3 months or until your circumstances have changed before you do so. This is because making several applications close together could have a negative effect on your credit score, and could make it harder for you to get accepted in the future.

Your credit file will not show the outcome of any applications; lenders can only see whether you have applied, not whether you have been approved or declined.

If you have been declined for a Hitachi Personal Loan, you can apply again, however we recommend waiting at least 3 months before doing so. This is because a large number of applications within a short space of time could affect your ability to obtain credit.

The rate that is displayed is a representative rate which represents the APR that the majority of our customers will receive. For the customers that we are unable to offer this rate to, we may be able to offer you a loan at a higher APR, with a higher monthly instalment.

We take into account all the information you supplied on your application, along with an up-to-date search of your credit file to determine whether we can accept the application, and also determine what rate we can offer you.

To discuss your options for further borrowing, please contact our Loans Team on 0343 351 9112 or email loansteam@hitachipersonalfinance.co.uk to arrange a call back.

Unfortunately, we do not currently offer joint loans.

You will have the right to withdraw from the agreement, without giving any reason, for a period of 14 days. To do so, please call our Customer Service Team on 0344 375 5500.

The 14 day period will begin on the day after you sign the agreement. You must then repay in full the amount borrowed within 30 days, and the agreement will be cancelled. 

If we haven't heard from you after the 14 day period we'll assume you're happy with everything and you will be bound by the terms of your loan.

Inbound and outbound calls are recorded for training and monitoring purposes.

If your loan is referred it means we need to make some additional checks against your application. We will contact you to let you know if we need any further information.

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.

Alternately, if you would prefer to receive the paperwork through the post, please contact our loans team on 0344 375 5500, where an advisor will be happy to send your paperwork out to you by post.

Please note, this does take longer than e-signing your agreement online, and could delay the time it takes to receive the loan funds.

Your monthly repayments are made by Direct Debit from a nominated bank account.

Yes, you can make extra payments at any time, free of charge. The quickest and easiest way to do this is by managing your account online.

Extra payments which are more than your monthly Direct Debit amount will be used to reduce the term of your agreement and we will continue to collect your monthly Direct Debit as normal.

One-off payments
To make a one-off payment by Direct Debit, simply click here to log onto your MyHPF account and select 'Make a Payment' from the menu list to enter the amount you would like to pay.

If you have not yet registered to manage your account online, click here.

Increasing your regular payment
If you would like to increase the amount you pay each month you can do this by setting up a Standing Order through your bank. The details to use are:
Sort Code: 40-02-50
Account Number: 71411101
It is important you provide your Agreement Number as the reference.

You can also choose to pay by one of the following payment methods:

Credit Card/Debit Card - You can make your payment online by visiting my.hpf.co.uk. There is no charge for paying by Credit Card or Debit Card.

Alternatively you can speak to one of our Customer Service Team on 0344 375 5500.

Credit Card: We ask our customers to be mindful of the impact of paying credit with credit and also any charges or interest you may incur as a result of this.

Internet or Telephone Banking – pay to Sort Code: 40-02-50 and Account Number: 71411101. When making your payment it is important to provide your agreement number which can be found on your welcome letter or welcome email. Please allow 5 working days for the payment to be credited to your agreement.

Cheque - make your cheque payable to Hitachi Capital and write your agreement number on the back of the cheque. Post your cheque to Hitachi Capital Consumer Finance, 2 Apex View, Leeds, West Yorkshire, LS11 9BH.

To allow for payment processing, please allow 7 working days for the payment to be credited to your agreement.

Yes, you can settle your agreement at any time. The quickest and easiest way to do this is by managing your account online.

You can choose to pay your settlement figure by a one off Direct Debit or if you prefer by Credit Card/Debit Card.

Simply click here to log into your MyHPF account and choose 'Make a Payment' from the menu list. The amount required to settle your agreement will display on screen.

If you have not yet registered to manage your account online, click here.

Important information about your Direct Debit:
- If your Direct Debit is due on the same day as you make your payment to settle, the amount to settle will include this Direct Debit and we would ask you to leave your Direct Debit active for at least 5 working days after making your settlement payment to ensure that the Direct Debits is cleared by your bank.
- If your Direct Debit is due in 1 to 2 working days we are already in the process of claiming your monthly payment and we would ask you to cancel this Direct Debit to make sure you do not overpay your agreement.
- For everything else we would ask you to cancel your Direct Debit.

Unfortunately, once you’ve completed the application you cannot change the amount of the loan, you would need to request cancellation and apply again if you wanted a different amount.

We will be happy to change future payment dates to meet your needs once we have successfully collected your first payment by Direct Debit.

If, at the time of receiving your request, the Direct Debit is in the process of taking your next payment, it will not be possible to change the date straight away. We will make the change as soon as we can and will let you know when the change will be effective from.

Important information about your payment date
- If your current payment date is within the next 7 days it will not be possible to change the date for the current month and the change will take effect from the following month
- If the new payment date is within the next 7 days it will not be possible to change the payment date for the current month and the change will take effect from the following month.
-If the new payment date has already passed, the change will take effect from the following month.

For everything else we can change the date on receipt of your request and will let you know when the change will be effective from.

The best way to request a change to your payment date is by managing your account online. Simply click here to log onto MyHPF and send us a secure message by choosing 'My Messages' from the menu list to request a change to your payment date.

If you have not yet registered to manage your account online, click here.

You can also contact us by email: customerservice@hitachipersonalfinance.co.uk or speak to one of our Customer Service Team by telephone: 0344 375 5500

We will be happy to update your Direct Debit details.

If, at the time of receiving your request, the Direct Debit is in the process of taking your next payment, it will not be possible to update your Direct Debit details straight away. We will make the change as soon as we can and will let you know when the change will be effective from.

Important information about your Direct Debit 
- If your monthly payment is due on the same day as you update your Direct Debit details we will claim your monthly payment from your old bank details.
- If your monthly payment is due in 1 to 2 working days from the date you update your Direct Debit details we will claim your monthly payment from your old bank details.
- If your monthly payment is due in 3 to 5 working days from the date you update your Direct Debit details, we will claim your monthly payment from your new bank details but the collection of the payment will be delayed by a few days.

I am the bank account holder for the new Direct Debit details
Click here to log onto MyHPF and select 'Change Direct Debit' from the menu list.

If you have not yet registered to manage your account online, click here.

I would like to replace my Direct Debit details with a third party bank account 
We can update your Direct Debit with a third party bank account. For us to do this we will ask you to complete a Third Party Direct Debit Authority Form which we will send to you by email.

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

To make your request, click here to log onto MyHPF and send us a secure message by selecting 'My Messages' from the menu list followed by 'Third Party Authority'.

The quickest and easiest way to view your balance is by managing your account online. Click here to log onto your MyHPF account. 

If you have not yet registered to manage your account online, click here.

If you would like to know the number of future payments still to pay, please contact us by either: Email: customerservice@hitachipersonalfinance.co.uk; or speak to one of our Customer Service Team by telephone: 0344 375 5500

Your Annual Statement is produced on the anniversary of the agreement start date. If you have chosen to receive your Annual Statement online we will send you an email notification when your statement is ready to view. Click here to log onto MyHPF and select My Documents to view your latest annual statement.

If you have not chosen to receive your Annual Statement online we will send your statement by post. If you would like to receive a copy of your annual statement, please contact us by email: customerservice@hitachipersonalfinance.co.uk
or speak to one of our Customer Service Team by telephone: 0344 375 5500

You can view your payment transactions online. Click here to log onto MyHPF and select 'View Transactions' from the menu list to display a list of all payment transactions to date.

You can request a mini statement by email: customerservice@hitachipersonalfinance.co.uk or speak to one of our Customer Service Team by telephone: 0344 375 5500

Here is a list of the most common transactions explained. We hope this helps to answer your query:

OSS payment = Card payment
Part settlement = Interest adjusted for extra payment
Reschedule = Internal balance adjustment to reschedule your future payments
Direct Credit UK = Direct Debit refunded
Web payment = Payment made by bank transfer
Settlement rebate = Interest adjusted for early settlement

If you're still unsure please contact us by email: customerservice@hitachipersonalfinance.co.uk or speak to one of our Customer Service Team by telephone: 0344 375 5500

We can add a third party to your agreement who can act on your behalf for a period of 6 months.

After this time, you will need to contact us to extend their authority.

You can remove the third party at any time during the 6 months and to do this you will need to contact us.

Any third party, added to your agreement will have the same level of authority as you. They will be able to talk to us about your account, make payments and update changes to your account. However they cannot change the name of the agreement holder.

You will continue to be responsible for ensuring the monthly payments continue and are kept up to date.

If you wish to give authority to a third party, we simply need the name of the third party and a password which they will need to provide to us on each occasion they contact us.

The best way to request this is by logging onto your MyHPF account. click here to log on and select 'My Messages' then 'Third Party Authority' Form the drop down menu list.

If you have not yet registered to manage your account online, click here.

You can also contact us by email: customerservice@hitachipersonalfinance.co.uk or speak to one of our Customer Service Team by telephone: 0344 375 5500

If you have not yet registered to manage your account online, click here.

What information will I need?
If this is the first time you have accessed your account online you will need;
• Hitachi agreement number which is 9 digits and starts with a 0. You can find this on your welcome letter or annual statement
• Date of birth
• Postcode

You will then need to create your login;
Enter your email address to the username field. Please enter the email address you would like us to use to send email communications about your account. Then create a password and a memorable word.

Specifying a strong password will help keep your account safe. Follow these tips to create a stronger password:
•Use a unique password for each of your online accounts
•Use a mix of letters (uppercase and lowercase), numbers, and symbols
•Don't use personal information or common words
•Keep your password secure

If you have problems registering your account online, please call our Customer Service Team on 0344 375 5500.

You can re-set your log in details by clicking here and following the onscreen guide.

Firstly, check your Junk folder. If the email isn't there and hasn't arrived after 20 minutes, please call our Customer Service Team on 0344 375 5500 to reset your password.

There are a number of ways you can raise a complaint.

You can email our Complaints Team at complaintsteam@hitachipersonalfinance.co.uk, or if you prefer to speak to one of our team, you can call us on 0113 380 1065.

Alternatively you can write to us at,
Complaints Team
Hitachi Capital Consumer Finance
2 Apex View
Leeds
LS11 9BH

View our full set of terms and conditions here. 

If you are experiencing any difficulties making payments or are worried that you might do in the future, please speak with one of our specialists in the Collections Team on 0344 375 5488 or via email eaqueries@hitachicapital.co.uk.

Should you feel your difficulties are longer term you can speak with our Financial Solutions Team on 0343 351 9066 or via email FST@hitachicapital.co.uk.

You can also speak to a free debt charity called Step Change. They can offer you confidential advice and practical help. You can contact them on 0800 138 1111 or visit their website on www.stepchange.org.

Collections Team Opening Hours:Monday-Thursday 8am-8pm
Friday 8am-7pm
Saturday 9am-12.30pm
Financial Solutions Team Opening Hours:
Monday-Thursday 8am-6pm
Friday 8am-5pm

You can register your account online and message us securely. Click here.

In line with the terms of your contract, a payment will be expected every month for the term of the agreement. We do not offer payment holidays, however if you are experiencing any difficulties making payments please contact us to discuss your situation and the options available for you.

After determining your current circumstances, we may place your account on hold for a period of 30 days to allow you time to seek debt help and advice. During this time no further charges will be applied to your account, however the instalments will continue to accrue arrears during this time.

Please cancel your Direct Debit as soon as possible to avoid charges with your bank and contact the Collections Team on 0344 375 5488 or via email eaqueries@hitachicapital.co.uk to discuss your circumstances to find the best option moving forwards.

Collections Team Opening Hours:
Monday-Thursday 8am-8pm
Friday 8am-7pm
Saturday 9am-12.30pm

You can register your account online and message us securely. Click here.

Don't worry, we can re-instate your Direct Debit Instruction. Please call us on 0344 375 5488 to arrange an alternative payment method for this month’s payment and to bring up to date any missed payments. We will then re-instate your Direct Debit to start from the following month. 

Collections Team Opening Hours:
Monday-Thursday 8am-8pm
Friday 8am-7pm
Saturday 9am-12.30pm

You can register your account online and message us securely. Click here.

No, once you have provided the name of the firm acting on your behalf and the client reference number, our Financial Solutions Team will deal directly with the external company.

You can contact the Financial Solutions Team to provide this information on 0343 351 9066 or via email at FST@hitachicapital.co.uk

Financial Solutions Team Opening Hours:
Monday-Thursday 8am-6pm
Friday 8am-5pm

You can register your account online and message us securely. Click here.

The Legal and Administration Department on 0344 375 5503 or email legalandadmin@hitachicapital.co.uk. Please provide the name of the firm acting on your behalf and relevant reference number.

Legal and Administration Team Opening hours:
Monday-Thursday 8.45am-5.15pm
Friday 8.45am-4.45pm

Please provide a copy of the death certificate to legalandadmin@hitachicapital.co.uk or post a photocopy to Hitachi Capital, 2 Apex View, Leeds, LS11 9BH.

Please include the relevant agreement number(s) should you have access to these for reference.

Legal and Administration Team Opening hours:
Monday-Thursday 8.45am-5.15pm
Friday 8.45am-4.45pm

Yes, Hitachi Capital are required to send the relevant statutory notices to you and these are just for information purposes. You will receive a six monthly Arrears Notice along with an Annual Statement and until your Insolvency has completed.

If you are still receiving Arrears Notices after the completion of your IVA/Trust Deed, please contact the Legal and Admin Dept. on 0344 375 5503 or email legalandadmin@hitachicapital.co.uk.

Legal and Administration Team Opening hours:
Monday-Thursday 8.45am-5.15pm
Friday 8.45am-4.45pm

For help keeping on top of your finances, visit our dealing with debt management page.