Award-winning Personal Loans

At a Glance
Key facts
Personal loan amounts

What is a Personal Loan?

A personal loan is an unsecured form of lending that lets you borrow a specific amount of money over a set period of time at a fixed APR and monthly repayment cost. Essentially, it allows you to get the item you need upfront and pay for it afterwards, rather than saving and getting it at the end.

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

How do Personal Loans work?

Watch our quick video for a simple explanation of the ins and outs of a Personal Loan.

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 buying a new car, home improvements, weddings, holidays, buying a motorhome, caravan or campervan, as well as simply tidying up their finances.

Is a Personal Loan better than a Credit Card?

The main benefit of a Personal Loan over a Credit Card is the cost. The APR of a personal loan tends to be lower than a credit card’s because all terms, including the amount borrowed and the repayment period, are agreed upfront. If you’re looking to borrow in a more structured way to help with budgeting, a Personal Loan could be a good option for you.

Personal Loans are also generally available in a higher amount. Our personal loans are available up to £25,000 on a term of 2-5 years, which would be a large amount to put on a credit card.

Our Personal Loan rates

Hitachi Loan Representative APR Over 5 Years

Personal Loan of £20,000 3.9%
Personal Loan of £15,000 3.9%
Personal Loan of £10,000 3.9%
Personal Loan of £5,000 3.9%

Why choose a Personal Loan from Hitachi Personal Finance?

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

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

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.

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 £216.03 per month with our maximum 26.9% 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. 

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

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

Apply Now

Direct - Main amounts

£2,500 to £2,999

13.4% 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

8.4% 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

3.5% APR Representative

£10,000 to £15,000

3.5% APR Representative

£15,000 to £25,000

3.5% 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 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

Apply Now

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
Apply Now

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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