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Award-winning Small Loans


Low rate loans from

3.4 % APR

Representative on £5,000 to £7,499.99

Representative on £5,000 to £7,499.99

The world is changing and so are we!

From early next year, we’ll be rebranding from Hitachi Personal Finance to NOVUNA Personal Finance with a fresh new look and feel. We’re really excited about our new brand and positive you’re going to love it! Find out more

Make your budget go further with our small personal loans

  • Our little loans start from just £1,000

  • Competitive APR rates allowing you to borrow up to £7,499.99

  • Over 30 years experience in financing small loans

  • Choose the date your repayments are made for your little loan

  • No hidden charges or arrangement fees

  • The 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 £155.71 per month with our maximum 31.9% APR Representative when you borrow £5,000 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

Why choose us for small personal loans?

Our small loans are big on value. You could save on average £202.32 per year, on loans of £5,000 over 60 months. This is based on a comparison against the market average loan rate of 11.4% APR. To find out how much you could save, use our small loan calculator

What is a small loan?

At Hitachi Personal Finance, we class a small loan as any amount from our minimum of £1,000 up to £7,499.99. If you need borrow an amount in that region and you’re looking for the cheapest loan rates, here’s how we compare to our competitors for a 60-month term loan.

Representative APRS for: *£2,500 - £2,999£3,000 - £3,999£4,000 - £4,999£5,000 - £5,999£6,000 - £7,499
Hitachi Personal Finance9.8%8.1%8.1%3.4%3.4%
M&S Bank21.8%18.8%18.8%3.9%3.9%
First Direct16.9%16.9%16.9%4.9%4.9%

*Based on borrowing over 5 years, competitor rates valid as of 19/10/2021 (Source: MoneyFacts)

What is a Hitachi Small Loan?

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