Conservatory and Extension Loans & Financing

At a glance
Key facts

Increase your space with a Conservatory or Extension loan from Hitachi Personal Finance

If things are starting to feel a little cramped at home, adding a conservatory or an extension is great way to get the extra space that you need, as well as potentially increasing your house’s value when it’s time to sell up.

What is a conservatory or extension loan?

A conservatory or extension loan is an unsecured personal loan, used specifically to finance the build of a home extension or a conservatory.

You will borrow the money you need to cover the full cost of the materials and the labour at a pre-agreed fixed monthly cost for a term to suit you.

A Hitachi loan based on borrowing £7,500 Amount over 5 years*
Representative Rate of interest Monthly repayment Total credit charge Total repayment
3.5% APR 3.5% (fixed) £136.25 £675.00 £8,175.00

Is a loan the best way to fund a conservatory or extension?

A personal loan can be a great way to fund the build of a conservatory or extension as you can borrow the amount you need at a manageable monthly repayment to suit you. The repayment amount and the APR are fixed which makes budgeting easy and you can often pay back early or make over-payments free of charge if your circumstances change and you find yourself in a position to do so.

A loan application with Hitachi Personal Finance is as simple as it gets

Step 1
Use our simple loan calculator to find a quote that suits you. Borrow between £2,500 and £25,000 over a term between 24 and 60 months.

One the best rates on the market
Flexibility to pay back early, free of charge

Step 2
Complete our online application form. It will only take around 10 minutes, just make sure you have the following information to hand:

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

Step 3
Get an instant decision. You’ll be told on the spot whether you’ve been accepted, referred for further checks or if we’re not able to lend you the money at this time.

Step 4
Get the money in your account and make your plans a reality. If your application is accepted, the money will be paid to your bank account within 2 working days.

Money in your account in 2 working days, if approved

Why take a loan with Hitachi Personal Finance?

98% customer satisfaction rate
Voted Best Direct Personal Loan provider for last 6 years
Named as a Platinum Trusted Feefo partner

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 £230.04 per month with our maximum 30.9% 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. 

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 35.9%*. All loans are subject to status.

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

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Key Facts – the essential information on our Conservatory and Extension Loans

How much can I borrow?

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.

Opening times:
Monday to Friday 8:45am to 7:30pm
Saturday 8:45am to 12:00pm

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 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.

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 3.5% (fixed), 3.5% Apr Representative, monthly repayment of £136.25, total charge for credit £675.00, total repayment of £8,175.00

Remember, the rate you are offered may vary due to personal circumstances and loan amount.

4.9/5 Customer Experience Rating

Our customer satisfaction is vital to our success, which is why we’re the only provider to give full visibility of our reviews, updated in real-time, 24 hours a day. Based on 4756 reviews over the past year

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