Personal Loans

At a Glance
Key facts
Personal loan amounts

Low rate personal loans from Hitachi Personal Finance

Whether you're looking for the car of your dreams, want to redesign your kitchen or celebrate a special event, our unsecured, low cost personal loans could help to make your plans a reality.

A Hitachi loan based on borrowing £7,500 Amount over 5 years*
Representative Rate of interest Monthly repayment Total credit charge Total repayment
3.2% APR 3.2% (fixed) £135.29 £617.40 £8,117.40

Use our loan calculator to see how much your monthly repayments would be.

Personal loan rates

Hitachi Loan Representative APR Over 5 Years  
Personal Loan of £20,000 3.2%
Personal Loan of £15,000 3.2%
Personal Loan of £10,000 3.2%
Personal Loan of £5,000 3.5%

With Hitachi Personal Finance you can rely on getting a simple, highly competitive loan, quickly. Our easy online application literally takes minutes to complete and funds could be in your account within 2 working days if approved.

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98% Customer Satisfaction
Voted Best Direct Personal Loan Provider by YourMoney for last 6 years running.
Named as a Feefo Trusted Gold Partner for last two years in a row

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 £193.7 per month with our maximum 20.5% APR Representative when you borrow £7,500 over 5 years*.

And remember - if you apply for a shorter term and are offered a higher rate you will be able to increase the number of months you use to repay the loan to reduce your monthly payments to suit your budget. 

Why take out a personal loan?

A personal loan is an unsecured loan that lets you borrow a specific amount of money over a set period. This differs from financing or a secured loan, where the asset is used as collateral against the amount you’re borrowing.

Whatever you choose to do with your loan, whether it be upgrade your home, buy a new car or fund your wedding, once you’ve been approved the money is all yours. Enjoy the flexibility of a personal loan and use the money for whatever your next purchase may be.

Invest in a new kitchen or bathroom, or even an extension with a home improvement loan and start your project as soon as you receive the funds, within 48 hours of application (excluding weekends and Bank Holidays) if approved.

About Hitachi Personal Finance's Loans

Apply for a loan through our quick and easy online application and you could receive the funds in your bank account within two working days if approved. Our online application only takes a few minutes to complete and you’ll receive an instant decision.

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 29.9%*. All loans are subject to status.

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

  • Pick an amount between £2,500 to £25,000 – Choose the exact amount you need and pay back within a term of 2 to 5 years
  • 3.2% APR Representative* on personal loans between £7,500 and £25,000
  • Easy to complete online application process and an instant decision
  • Fixed monthly repayments – a static fee with the first repayment being made 1 month after you sign your loan agreement
  • No arrangement fees – take out a loan with Hitachi Personal Finance and receive the administration for free
  • No hidden fees – no additional charges for over-payments or full early repayment, meaning flexible finance that suits you

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One of the best rates on the market
Money in your account within 2 working days if approved
Flexibility to pay back early, free of charge

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

Opening times:
Monday to Friday 8:45am to 7:30pm
Saturday 8:45am to 12:00pm

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

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Direct - Main amounts

£2,500 to £2,999

14.5% APR Representative

We provide competitive personal loans from £2,500 to £2,999, 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.

£3,000 to £4,999

8.5% 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.

£5,000 to £7,499

3.5% 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.

£7,500 to £10,000

3.2% APR Representative

£10,000 to £15,000

3.2% APR Representative

£15,000 to £25,000

3.2% APR Representative


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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Personal Loans calculator

Use our loan calculator to get a quote for a Hitachi Personal Finance 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 3.2% (fixed), 3.2% Apr Representative, monthly repayment of £135.29, total charge for credit £617.40, total repayment of £8,117.40

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 7292 reviews over the past year

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