Home Improvement Loans & Financing

At a glance

Think you can’t spruce up your home? Think Again

Giving your home a lick of paint couldn't be easier with our made to measure home improvement loan. So whether you’re improving to sell or just fancy a change we’re here to lend a helping hand.

Making improvements to your home is a great way to increase the value of your property.

A Hitachi loan based on borrowing £7,500 Amount over 5 years*
Representative Rate of interest Monthly repayment Total credit charge Total repayment
3.3% APR 3.3% (fixed) £135.61 £636.60 £8,136.60

Our Price Promise

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 £188.16 per month with our maximum 18.9% APR Representative when you borrow £7,500 over 5 years*.

And remember - if you apply for a shorter term and are offered a higher rate you will be able to increase the number of months you use to repay the loan to reduce your monthly payments to suit your budget. 

Just one of the reasons we’ve been voted the UK’s Best Direct Loan Provider by Your Money for the last four years.

Home improvement loan details

  • Home improvement Loan range from £2,500 to £25,000 for a term of 2 to 5 years
  • 3.3% APR Representative* on personal loans between £5,000 and £25,000
  • Easy to complete online application process and an instant decision
  • Fixed monthly repayments
  • No arrangement fees
  • No Hidden fees

We believe in keeping things very simple, so there are no set up fees or hidden charges. But remember the rate you are offered may vary due to personal circumstances and loan amount.

We know that most home improvement projects are costly, but our competitively priced and easy to understand home improvement loan enables you to borrow up to £25,000 and take up to five years to pay it back.

We treat all our customers and their applications on an individual basis. The rate is subject to change and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 29.3%*. All loans are subject to status.

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

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Key facts

Key Facts – the essential information on our Home Improvement Loans

How much can I borrow?

Our Home Improvement loan allows you to borrow from £2,500 up to £25,000.

Over what period will the loan need to be repaid?

Repayment terms are between 2 years to 5 years.

How is the loan repaid?

Repayments will be monthly, with the first repayment being payable 1 month after you sign your agreement.

You can make over-payments and early repayments on your loan free of charge, subject to our terms and conditions – view our full set of terms and conditions.

How is Interest charged?

The interest rate is fixed for the duration of the loan period. Interest is charged on a daily basis.

Click on our loan calculator to see repayment calculations, based on your preferred amount and duration.

Are there arrangement fees?

No, there are no arrangement fees or any other hidden fees.

How quickly can I have the funds in my account?

The online application process takes 10 minutes. We will make an instant decision and the funds could be in your account within 48 hours.

What happens if I can’t make the repayments?

You should be aware that you may be subject to charges if payments are not made on time.

For instance:

  • Returned or recalled Cheques or credit/debit card payments - £25 per occurrence
  • Direct Debits that are recalled - £22 per occurrence
  • Letters sent to you as a result of a breach of contract - £25 per letter
  • Default Notice - £25 per notice

Do you have a call centre?

We do, our UK-based customer service team are waiting to speak with you on 0344 375 5500.

Our team is available Monday- Friday 8.45am – 7.30pm and Saturday – 8.45am – 12pm.

For more information on our loans please take a look at our Key Information section.

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Here is our list of criteria you must meet to apply for a Hitachi Personal Finance Home Improvement Loan;

  • You need to be aged 21 or over
  • You must have a bank or building society account
  • You must be a permanent UK resident (and have been living in the UK for at least 12 months)
  • You need to be in permanent paid employment, self-employed or retired with a pension
  • You must have a good credit history

It will also be helpful if you have the following information to hand when applying for a loan;

  • Annual income
  • Employment details
  • Bank account details
  • Last 5 years address history

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Home Improvement Loans Calculator

Use our loan calculator to get a quote for a Hitachi Personal Finance Home Improvements Loan.

The rate you are offered may vary due to personal circumstances and loan amount.

Enter the amount you would like to borrow

Enter your monthly budget

Over a time period of

Repayment example:

Monthly repayment

Interest rate

Loan Term

Total amount payable

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Representative Example A Hitachi loan of £7,500 over 5 years: rate of interest 3.3% (fixed), 3.3% Apr Representative, monthly repayment of £135.61, total charge for credit £636.60, total repayment of £8,136.60

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