Rating based on 37 reviews

Hitachi Personal Finance


  • Vehicle finance up to £25,000
  • Low-interest starting from 4.3%
  • Repayment up to 60 months

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Author Hitachi Personal Finance. Screenshot of Hitachi Personal Finance website. [Accessed May 15, 2020]

About Hitachi Personal Finance

Hitachi Personal Finance trades under Hitachi Capital (UK) PLC and we are a wholly owned subsidiary of Hitachi Capital Corporation.

Hitachi Capital (UK) PLC is a leading financial services company with over 30 years’ experience in the financial industry. We have been providing innovative online loans that help individuals and businesses alike to grow and prosper across the UK.

Meeting your demands

As one of Japan’s largest non-bank financial institutions, we now meet the demands of millions of individuals and businesses across the UK. We hope that it shows that we are not a bank and as a result our approach to lending is personal.

Tailor-made car loans

We have tailor-made our personal loans to the purpose of the loan, such as a car loan, to make the process as easy as possible.

Most competitive rates

Our customers enjoy the most competitive rates on the market that are from as low as 3.1% APR Representative. Not to mention our simple, straightforward online application process that could see your loan amount in your account within 48 hours.

Online account management

Once you have been approved, you are able to manage your account online, which gives you complete control of your car loan. Our friendly UK-based customer service team are always ready to help, if you would like to speak to someone personally.

Exceptional customer satisfaction

We only provide a first-rate experience for our customers, which is why our customer satisfaction score is consistently 98% or higher. Additionally, we have been voted as Best Direct Personal Loans Provider by YourMoney for the four years running.

Five million UK customers

Hitachi loans provides finance to over five million UK customers and with our 30 years’ experience, you can rest assured that you’re in safe hands. All you have to do is use our loan calculator to get a quote.

Hitachi Personal Finance Services

If you think you cannot afford your dream car? Think again. We are here to make that a reality whether you are buying your first car or looking to buy your dream car.

Fast easy car loans

If you are looking for fast, easy to apply for car loan with no hidden fees at highly competitive rates, you have found what you are looking for.

Our price promise

Although most of our clients receive the rate as advertised, we guarantee that you will not pay more than £171.65 per month when you borrow £7,500 over a repayment terms of five years, if you receive a higher APR. Additionally, should you be offered a higher rate, you have the option to increase the number of repayment months to reduce your monthly payments to better suit your budget.

Car loans details

  • CAR LOANS range from £2,500 to £25,000 for a term of two to five years
  • 3.1% APR Representative on personal loans between £7,500 and £10,000 but some customers do receive a higher rate
  • QUICK AND EASY online application process AND an instant decision
  • FIXED monthly repayments to fit your budget
  • NO arrangement or hidden fees guaranteed

Flexible car loan

The car loans we offer have been carefully designed to suit our customers. That is why we offer a low cost loan that is competitively priced. If you are thinking about buying old or new, our flexible loan caters for all price requirements.

Apply in minutes

To apply for a car loan will only take you a few minutes. It is easy and quick to complete and the loan funds can be in your account the next working day.

Hitachi Personal Finance Product Details

  • Loan Type Vehicle finance
  • Interest Rate from 4.3%
  • Loan Amount up to £25,000
  • Repayment 24 months to 60 months

Benefits of Hitachi Personal Finance

  • Early repayment option
  • Apply online within 10 minutes
  • Get a loan that fits your needs
  • Convenient fixed interest rates

The most experienced lender in the UK

Our car loans product and other types of vehicles enable you to borrow between £2,500 and £25,000 with monthly repayments of up to a period of five years. 

What makes us a preferred lender is that you are able to make overpayments and early repayments on your loan free of charge.

Simple online application

You will be delighted to know that our online application process takes 10 minutes to complete. We will make an instant decision and you will not be waiting on funds as the funds could be in your account within 48 hours.

Eligibility requirements

In order to apply for a Hitachi Personal Finance Car Loan, we require that you meet the following criteria:

  • 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 one year
  • You need to be in permanent employment, self-employed or retired with a pension
  • You must have a good credit history

Information required

We will require the following information to process your loan.

  • ANNUAL income
  • EMPLOYMENT details
  • BANK account details
  • LAST five years address history

Personalised car loans

We believe in treating every one of our customers and their car loan applications on an individual and personalised basis. The rate you are offered will depend on our assessment of your personal financial circumstances. However, the maximum APR you could receive is 39.9%. Terms and conditions apply.

Low cost loans

There are no arrangement fees or any other hidden fees attached to our loans and we have a UK-based customer service team are waiting to assist you throughout the application of your loan.

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Hitachi Personal Finance is a trusted & reliable provider of vehicle finance

In our review, Hitachi Personal Finance adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Hitachi Personal Finance is a registered credit provider in the UK; FCA number 704348

Customer Reviews & Testimonials

Hitachi offered me a fast and easy car loan with a low-interest rate, I was very happy.

Kasia C
— London —

Really good consultants who are friendly and professional.

Joleen R
— London —

I was pleasantly surprised when I did the application online and I got instant online approval! No waiting time.

Suzi D
— London —

Hitachi Personal Finance Contact Details

Physical Address

Opening Hours

  • not available