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Small Loans

At a glance

The bigger, the better? Think Again

You don't need to take out a large loan from us for it to be good value. If you're looking for a small loan amount, between £2,500 to £7,499, then we have some of the best rates available in the market. You could save on average £272.88 per year, on loans of £5,000 over 5 years. This is based on comparing our loans against the market average loan rate of 14.10% APR.*

A Hitachi loan based on borrowing £5,000 over 5 years*
Representative Rate of interest Monthly repayment Total credit charge Total repayment
3.9% APR 3.9% (fixed) £91.70 £502.00 £5,502.00

Take a look at how we compare with our competitors based on loans over 60 months*

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 Finance 12.30% 7.30% 7.30% 3.90% 3.90%
Nationwide 13.90% 10.70% 10.70% 4.50% 4.50%
Sainsbury's 12.50% 7.50% 7.50% 4.30% 4.30%
Tesco n/a 11.70% 11.70% 4.30% 4.30%
Post Office n/a 9.90% 9.90% 5.40% 5.40%

*Based on borrowing over 5 years, rates valid as of 15/02/2017 (Source: MoneyFacts)

Our Price Promise
The majority of our customers receive the advertised rate, but if you're given a higher APR we guarantee that you'll never pay more than £150.11 per month when you borrow £5,000 over 5 years*.

If you 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.

Just one of the reasons we’ve been voted the UK’s Best Direct Loan Provider by Your Money for the last three years.

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Small Loans details

  • Easy online application process, we make our decision instantly
  • 3.9% APR Representative* on loan amounts between £5,000 and £7,499 over 24 to 60 months
  • Fixed monthly repayments helping you to manage your budget
  • No arrangement fees

We believe in simplicity, so there are no set up fees or hidden charges. But remember the rate you are offered may vary due to personal circumstances and loan amount.

With our competitive and flexible low value loan you can borrow anything from £2,500 to £7,499 and take up to five years to pay it back.

Our easy online application process just takes minutes to complete and the funds can be in your account the next working day.

Use our loan calculator to get a quick quote.

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 36.7%*. All loans are subject to status.

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

Key facts

Key Facts – the essential information on our small loans

How much can I borrow?

Our small loans enables you to borrow between £2,500 to £7,499

What is the repayment period

Repayment terms are between 2 years to 5 years.

Interest charged

The interest rate on the loan is fixed for the duration of the loan period. Interest is charged on a daily basis. Click on our calculator to see repayment calculations.

How soon can I have the loan funds in my account?

The application process takes approximately ten minutes. We will make an immediate decision and the funds could be in your account within 48 hours.

Are there arrangement fees?

No, there are no arrangement fees or any other hidden fees.

What happens if I cannot make the repayments?

You should be aware that you will incur charges if payments are not made on time.

We will charge the following if repayments are not kept up to date:-

  • Returned or recalled Cheques or credit/debit card payments - £25 per occurrence
  • Direct Debits that are recalled - £22 per occurrence
  • Letters sent to you as a result of a breach of contract - £25 per letter
  • Default Notice - £25 per notice

Do you have a call centre?

We do, our UK-based customer service team are waiting to speak with you on 0344 375 5500.

Our team is available Monday- Friday 8.45am – 7.30pm and Saturday – 8.45am – 12pm.

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

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Eligibility

Eligibility

Here is our list of criteria you must meet to apply for a Hitachi Personal Finance Small 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 1 year)
  • 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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Small Loans Calculator

Use the slider to get a quote for a Hitachi Personal Finance Small Loan

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100% Happy Customers

We know that when it comes to choosing a loan, rates are important and that's why we keep ours competitive, so we're consistently in the best loans buy tables. Read more reviews

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