Small Personal Loans

At a glance
Key facts

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 £313.32 per year, on loans of £5,000 over 5 years. This is based on comparing our loans against the market average loan rate of 15.2% APR.*

A Hitachi loan based on borrowing £5,000 Amount over 5 years*
Representative Rate of interest Monthly repayment Total credit charge Total repayment
3.5% APR 3.5% (fixed) £90.84 £450.40 £5,450.40

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 13.4% 8.4% 8.4% 3.5% 3.5%
M&S Bank 19.8% 15.8% 15.8% 4.4% 4.4%
Sainsbury's 24.9% 10.6% 10.6% 3.6% 3.6%
Tesco n/a 8.5% 8.5% 3.5% 3.5%
First Direct 16.9% 16.9% 16.9% 4.9% 4.9%

*Based on borrowing over 5 years, competitor rates valid as of 01/04/2020 (Source: MoneyFacts)

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 £118.76 per month with our maximum 16% APR Representative when you borrow £5,000 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. 

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

Small Loan details

  • Small loan range from £2,500 to £7,499 for a term of 2 to 5 years
  • 3.5% APR Representative* on personal loans between £5,000 and £7,499
  • Easy to complete online application process and an instant decision
  • Fixed monthly repayments
  • No arrangement fees
  • No Hidden 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 could be in your account within two working days.

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 25.9%*. All loans are subject to status.

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

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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

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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 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 our loan calculator to get a quote for a Hitachi Personal Finance Small 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 £5,000 over 5 years: rate of interest 3.5% (fixed), 3.5% Apr Representative, monthly repayment of £90.84, total charge for credit £450.40, total repayment of £5,450.40

Remember, the rate you are offered may vary due to personal circumstances and loan amount.

4.9/5 Customer Satisfaction 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 7034 reviews over the past year

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