Boat Loans

At a Glance
Key facts

Sail away with a Boat Loan from Hitachi Personal Finance

If you're looking for boat financing at a competitive rate, you're in the right place. Whether you're in the market for a yacht, a speed boat or even a fishing boat, we can help.

Buying a boat using a loan from Hitachi Personal finance is hassle-free. Designed to be as straightforward and as quick as possible, once accepted you can expect your loan to be in your bank account within 48 hours.

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

Our Price Promise

Our excellent price promise is just one of the reasons we've been voted as the UK's Best Direct Loan provider by Your Money for the last six years.

While the majority of our customers receive the advertised rate, you may discover you've been offered a higher APR. If this is the case, our price promise is in place to make sure you never pay more than £216.03 per month (when you borrow £7,500 per 5 years* with our maximum 26.9% APR representative). Please note, applications must be received directly via the Hitachi Personal Finance website to be covered by the price promise.

If you've applied for a shorter loan and find you've been offered a higher APR, you can choose to increase the number of months you'd like to repay your loan back. You should never overstretch your budget, and we make adjustments possible so you can stay on track with your finances.

Boat Loan details

  • Boat Loans range from £2,500 to £25,000 for a term of 2 to 5 years
  • 3.5% APR Representative* on loans between £5,000 and £25,000
  • Clear online application process
  • Instant decision
  • Fixed monthly repayments
  • No arrangement fees
  • No Hidden fees

There are never any hidden fees or charges attached to our loans. Competitively priced, your next marine loan with Hitachi will be tailored to suit you.

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 31.9%*. 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 Bike Loans, at a glance

How much can I borrow?

Our boat loan product 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

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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 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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Boat Loans Calculator

Use our loan calculator to get a quote for a Hitachi Personal Finance Boat 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 5451 reviews over the past year

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