Personal Loans

Key Facts - what you need to know about our personal loans at a glance

We believe in complete transparency. Please note the following key information regarding our loans:

Repaying your loan

Your payments will be made monthly, with the 1st repayment being made 1 month after you sign your loan agreement.

You can make over-payments and early repayments on your loan free of charge.

Interest charged

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

How long will it take for my loan to be processed?

The online application process takes 10 minutes; if you call our loans team to go through an application it may take a little longer. The decision is instant and the funds can be with you within 48 hours.

Repayment period

Our repayment terms are between 2 years to 5 years.

There are no arrangement fees or any other hidden fees with our loans.

What if I default on payment?

Fees could be incurred if payments are not made on time. Such as:-

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

What are the terms and conditions of the loan?

View our full set of terms and conditions

Can I call to discuss further?

Yes, our customer service team is waiting for your call on 0344 375 5500. Our team is available Monday- Friday 8.45am – 7.30pm and Saturday – 8.45am – 12pm.

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

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Personal loan amounts

£3,000 to £4,999

7.3% APR Representative

We provide competitive personal loans from £3,000 to £4,999, so you could use your loan from Hitachi Personal Finance to purchase a new car, make some home improvements or organise your finances into one fixed monthly payment.

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£5,000 to £7,499

3.4% APR Representative

We provide competitive loans from £5,000 to £7,499, so you could use your personal loan from Hitachi Personal Finance to take the family on holiday, upgrade your car or simply pay off those high interest credit cards.

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£7,500 to £10,000

3.1% APR Representative

We provide competitive loans from £7,500 to £10,000, so you could use your personal loan from Hitachi Personal Finance to help pay for your dream wedding or maybe it’s that perfect honeymoon destination that you just can’t miss out on.

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£10,000 to £15,000

3.2% APR Representative

We provide competitive loans from £10,000 to £15,000, so you could use your personal loan from Hitachi Personal Finance to help pay for your dream wedding or maybe it’s that perfect honeymoon destination that you just can’t miss out on.

Apply now

£15,000.01 to £25,000

3.3% APR Representative

We provide competitive loans from £15,000.01 to £25,000, so you could use your personal loan from Hitachi Personal Finance to help pay for your dream wedding or maybe it’s that perfect honeymoon destination that you just can’t miss out on.

Apply now

Eligibility

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