Award-winning Small Loans


Low rate loans from

3.8 % 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 £148.69 per month with our maximum 28.9% APR Representative when you borrow £5,000 over 5 years*.

The maximum APR you could be offered when you borrow other loan values is 33.9%*. 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 Finance13.4%8.4%8.4%3.8%3.8%
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 23/08/2021 (Source: MoneyFacts)

What is a Hitachi Small Loan?

Our online application takes just 10 minutes. We’ll give you an instant decision and if your loan is approved, the money could be in your bank account within 48 hours. To apply for a small loan with us, you’ll need your employment details, including annual income, your bank details and your address history from the last five years. It’s also worth checking that you’re eligible to borrow from us before you apply for a loan online.


With our small loans, you can borrow between £1,000 and £7,499.99 and choose a term from 2 to 5 years. We’ll then take monthly repayments on your chosen date, with the first payment due one month after the day you sign your agreement. If you want to repay your loan early, you can do so at any time without additional charges. We also accept overpayments, so you can pay off a little bit more when you can and reduce the length of your agreement.

It’s important to remember that taking out a loan, no matter how small, is a major financial decision. You should always make sure you can afford the repayments and that the loan won’t affect your financial situation.


A small loan can be used for virtually anything you like – vehicle repairs, one off purchases, an anniversary gift, unexpected bills or a special occasion. At Hitachi Personal Finance, we also offer a range of specialist personal loans, including car finance, home improvement loans and holiday loans. If whatever your plans don’t fall into any of those categories, our small loans are ideal.


Your credit file will not show the outcome of any applications. Lenders can only see whether you have applied, not whether you have been approved or declined. If you have been declined for an Hitachi Personal Loan, you can apply again, but we recommend waiting at least three months before doing so. This is because a large number of applications within a short space of time could affect your ability to obtain credit.


Before you apply for a small loan, you should make sure that you fulfil our lending criteria. You’ll need to be aged 21 or over, have a bank or building society account, be a permanent UK resident (for at least one year), and in permanent paid employment or retired with a pension. We also require our borrowers to have a good credit history.


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