Home Improvement Loans

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. Particularly when you take on those larger tasks such as loft extensions, which, on average, increase property values by £20,000.

Representative example: A Hitachi loan based on borrowing £7,500 over 5 years*
Representative Rate of interest Monthly repayment Total credit charge Total repayment
3.1% APR 3.1% (fixed) £134.97 £598.20 £8098.20

Our Price Promise
The majority of our customers receive the advertised rate, but if you're given a higher APR we guarantee that you'll never pay more than £176.45 per month when you borrow £7,500 over 5 years*.

If you 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 three years.

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Home improvement loan details

  • Home Improvement Loans range from £2,500 to £25,000, for a term of 2 to 5 years
  • 3.1% APR Representative* on loans between £7,500 and £10,000
  • Quick and Easy – Our loan application process is fast and simple. Funds can be in your account in 48 hours
  • Repayments are fixed, no arrangement fees, no hidden fees, no nasty surprises

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.

Use our loan calculator to get a quick quote.

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 39.9%*. All loans are subject to status.

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

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 the slider 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.

I would like to borrow...

I have a monthly budget of...


Over a period of...


Repayment example:

Monthly repayment

Interest rate

Loan Term

Total amount payable

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Representative Example: Hitachi loan of £7,500 over 5 years: rate of interest 3.1% (fixed), 3.1% APR Representative, monthly repayment £134.97, total charge for credit £598.20, total repayment £8,098.20

98% Happy Customers

We know that when it comes to choosing a loan, rates are important and that's why we keep ours competitive, so we're consistently in the best loans buy tables. Read more reviews

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