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Award-winning Personal Loans

4.9/5

Low rate loans from

3.2 % APR

Representative on £7,500 to £25,000

Representative on £7,500 to £25,000

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Loans for life’s next step

  • Unsecured personal loan specialists with over 30 years’ experience

  • Borrow between £1,000 and £25,000

  • Simple online loan application with a decision in minutes

  • Competitive personal loan rates from just 3.2% APR

  • Fixed-rate monthly payments on your chosen date

  • No arrangement fees or other hidden charges

  • Voted UK’s Best Direct Loan Provider for the last 6 years

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Our price promise

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Interest rate

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Our price promise

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

The maximum APR you could be offered when you borrow other loan values is 35.9%*. All loans are subject to status.

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

Make it a personal loan that’s made for you

Car Loans

Engineered for speed and ease, our car finance loans offer competitive rates, no hidden fees and access funds within 48 hours (excluding bank holidays and weekends).

Home Improvement Loans

Whether you need a loan for renovation, conversion, a conservatory or a loft extension, you’ll feel right at home with a home improvement loan designed around you.

Small Loans

Sometimes little loans can make a big difference. If you’re looking for small loans online between £5,000 and £7,499, we offer some of the best rates on the market.

Caravan loans

Impromptu holidays can be on the horizon with our low cost caravan loans.

What makes us the lender of choice?

Our approach to lending has always been, and always will be, personal. We’ve helped over 5 million businesses and individuals across the UK, but we know that every customer is different.

You might be renovating your home, wedding planning, buying a new car or consolidating debts. But whatever your goal is, we’ll have a tailor-made low APR loan to help you get there.

With us, you can borrow from £1,000 up to £25,000, with some of the most competitive rates on the market. Once approved, you can even choose the day that your monthly payments go out.

We know that when you’re looking for an online loan, you want more than great rates; you want a great reputation for service too. Our customer satisfaction score is consistently 98% or higher, so you can count on a first-rate experience from application to approval.

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Our simple online application takes minutes to complete, gives you a decision in minutes and you could have the money in your account within 48 hours (excluding weekends and Bank Holidays).

Once approved, you can manage everything in one place with your online account, giving you complete control of your loan. However, if you need a bit of extra help or you’d prefer to speak to someone, you can always give our friendly UK-based Customer Service Team a call.

The additional charges on our personal loans are straightforward too, because there aren’t any. We lend directly to our customers. That means no arrangement fees and no hidden costs.

Even if you decide you want to pay back your loan earlier than planned, we won’t ask for a penny more than your agreement. Simple.

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We specialise in low interest rate loans, with highly competitive rates starting from just 3.2% APR and amounts from £1,000 to £1,000. To check our loan interest rates for the amount you wish to borrow, simply use the table below.

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We strive to deliver a great customer experience and to provide some of the most competitive low APR loan rates on the market. We take pride in what we do. That’s why our personal loans are consistently recognised for excellence by our customers and industry peers.

We’ve been voted the UK’s Best Direct Loan Provider in the YourMoney.com Awards for 6 years running. Now in their 23rd year, these awards are the longest standing in the industry and the result of a rigorous judging process based on competitiveness of price and structure.

With an average customer satisfaction score of 4.5/5 stars or higher for more than 3 years running, we’ve also achieved the high standard required to win the Feefo Trusted Service Provider Award for the second year running.

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Ready to apply for your personal loan? Start your application now and discover the benefits of borrowing with us.

  • Personal approach: Our loans are tailored to your needs. Choose the length of the agreement and the day your payments go out.
  • Simple process: Our straightforward online loan application takes minutes to complete and gives you an instant decision.
  • Low interest rates: We offer some of the best rates available on the market, from 3.2% APR representative on £7,500 to £25,000.
  • Award-winning service: We’re proud to be a six-time winner of the Best Direct Personal Loan Provider’ Award from YourMoney.com.
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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 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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Loans FAQs

What is a personal loan?

A personal loan is a form of flexible unsecured lending. This means you don’t need to put up collateral, for example property assets, to get approved. Whether you’re buying a new car, renovating your home, planning your wedding or looking to consolidate high interest debts, a personal loan with low interest could help you achieve your goals.

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How do personal loans work?

Personal loans are generally fixed rate and have fixed repayment terms, so unlike a credit card agreement, you’ll pay the same amount every month for a set number of months. For a loan with low interest, a personal loan tends to be a better option because all terms, including the amount borrowed and the repayment period are agreed up front. A personal loan could also be a good option if you’re looking to borrow in a more structured way to help with budgeting.

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What can a personal loan be used for?

Because repayments are the same each month, a personal loan is a great way of funding a whole range of purchases. Some of the most common things our customers take loans for include home improvements, financing a new vehicle, paying for a wedding, leisure activities like a holiday, or consolidating high interest debts into one more manageable payment.

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What is a good APR for a loan?

If you’re shopping around for a personal loan online, the Annual Percentage Rate (APR) should be a key consideration. It enables you to compare lenders based on their loan interest rates and the amount you’ll repay on top of the principal debt (the amount you borrow).

One of the benefits of a personal loan is that they’re typically fixed rate, which means the interest rate won’t change and you’ll pay back the loan in equal monthly installments. This is one of the key differences between a low APR loan and other borrowing options like credit cards.

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What you need to apply for a loan

Every lender has their own criteria when deciding whether to approve a loan, but most will ask you for the same sort of information. For an online loan application, you’ll need your employment details, including annual income, your bank account details and your address history from the last five years.

At Hitachi Personal Finance our criteria also require borrowers to be aged 21 or over. You must have a bank or a building society account, a good credit history, be a permanent UK resident and be in permanent paid employment or retired with a pension.

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Can I make loan overpayments?

If you have a change in circumstance and decide you want to make extra payments on your loan, you can do so at any time, free of charge. Loan overpayments will be used to reduce the duration of your agreement, so you’ll continue to pay your monthly Direct Debit as normal but the payments will end sooner.

The quickest and easiest way to make loan overpayments is by managing your account online. Using our online tools, you can make a one-off payment or increase your monthly payment. Alternatively, speak to our Customer Service Team on 0344 375 5500.

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Can I increase my personal loan amount?

Once you’ve completed the application, you cannot change the amount of the loan. However, for a period of 14 days you do have the right to withdraw from the agreement. You must then repay in full the amount borrowed within 30 days, and your agreement will be cancelled.

If we haven’t heard from you after the 14 day period, we’ll assume you’re happy with everything and you will be bound by the terms of your loan. Once you’ve requested a cancellation, you can apply again to increase loan amount. To do so, contact our Customer Service Team on 0344 375 5500.

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What happens if you fail to repay a loan?

Answer – If you’re unable to repay your loan, we’re here to help. It’s important that you contact our Collections Team on 0344 375 5488. Once we understand your current circumstances, we’ll be able to advise the most suitable option or establish a payment arrangement that is affordable for you. We may ask for information about your financial situation to ensure we put the most suitable arrangement in place.

If you’re experiencing financial difficulties, we may signpost you to a free debt charity called Step Change, who will be able to offer you confidential support.

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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. Read all reviews

4.9/5

Based On 4591 Reviews.. Read all reviews
Brilliant from start !!everything as promised and very easy thanks Hitachi

Cannot find fault,excellent communication and delivery of loan

Great Company

Quick decision as previously experienced and money was in the bank within 2 working days.

Good

Yes it’s help us buy a new car.

Great And value and effortless

So simple to deal with it from quotation through to digital signature

Nice easy process, would recommend

Very quick and easy process.wont hesitate if I need to use them again in the future