Bike Loans

At a Glance

Buy the bike you love with Hitachi Personal Finance

Have you always wanted to own a motorcycle? Or, perhaps, you can't stop thinking about upgrading your regular bike to a mountain bike that'll keep you safe while you go off-road? Whatever bike you're after, Hitachi Personal Finance are here to help.

Using our loans to buy your dream bike is a hassle-free process. Simply apply for the loan you require, and if it is accepted, you could find the money in your bank account within 48 hours (excluding weekends and Bank Holidays). After that, all that's left is to buy the motorcycle, road bike or mountain bike of your dreams!

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 £200.28 per month with our maximum 22.4% APR Representative when you borrow £7,500 over 5 years*.

Don't forget, if you choose to apply for a shorter loan and are offered a higher rate you'll have the option to increase the number of months you use to repay your loan - helping you to bring your monthly payments down so you're not over-stretching your budget.

Bike Loan details

  • Bike Loan range from £2,500 to £25,000 for a term of 2 to 5 years
  • 3.3% APR Representative* on loans between £7,500 and £25,000
  • Clear online application process
  • Instant decision
  • Fixed monthly repayments
  • No arrangement fees
  • No Hidden fees

Every single Hitachi Personal Loan, including our bike loans, are flexible and competitively priced. Created with you in mind, we can offer you a suitable loan whether you plan on buying old or new.

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 30.9%*. All loans are subject to status.

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

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Key facts

Key Facts – the essential information on our Bike Loans, at a glance

How much can I borrow?

Our Bike loan product (and other loans for other vehicles) enables you to borrow between £2,500 and £25,000.

Loan Repayment

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

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

What is the repayment period?

Repayment terms are between 2 years to 5 years.

Interest charged

The interest rate on the loan is fixed for the duration of the loan period. Interest is charged on a daily basis. Click on our calculator to see repayment calculations.

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 (excluding weekends and Bank Holidays).

Are there arrangement fees?

No, there are no arrangement fees or any other hidden fees attached to our loans.

What happens if I can’t make the repayments?

You should be aware that you will incur charges if payments are not made on time.

We will charge the following if repayments are not kept up to date:-

  • 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?

Yes, 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
Saturday - 8.45am - 12pm.

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

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Eligibility

Eligibility

Here is our list of criteria you must meet to apply for a Hitachi Personal Finance Car 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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Bike Loans Calculator

Use our loan calculator to get a quote for a Hitachi Personal Finance Bike 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 3.3% (fixed), 3.3% Apr Representative, monthly repayment of £135.61, total charge for credit £636.60, total repayment of £8,136.60

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


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