Award-winning Personal Loans

4.9/5

Low rate loans from

2.8 % APR

Representative on £7,500 to £25,000

Representative on £7,500 to £25,000

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 2.8% 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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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 £223.03 per month with our maximum 28.9% APR Representative when you borrow £7,500 over 5 years*.

The maximum APR you could be offered when you borrow other loan values is 33.9%*. 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


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 2.8% 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 2.8% 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


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