Rating based on 59 reviews

Hitachi Personal Finance


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

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Hitachi Personal Finance homepage

Author Hitachi Personal Finance. Screenshot of Hitachi Personal Finance website. [Accessed September 8, 2021]

About Hitachi Personal Finance

If you are looking to buy a car, then we are the right place for you. We help people like you buy their dream car, the car that suits their life’s journey.

With no hidden fees or costs we offer car loans and finance for people like you wanting to buy a car, whether it’s your first time buying, or you need an upgrade, we can help you. We have been voted the UK best loan provider for the past 6 years for a reason; we are the best and we care about our customers.

Quality customer care

Our customer satisfaction is important to us, so much so that we view every customer's application on an individual basis. We will offer you a rate based on your personal financial situation and our assessments are subject to status. We offer fixed rates with a 3.2% interest APR and a maximum of 19.5% interest APR. We have carefully created our options, keeping the goal of competitiveness and affordability for everyone in mind. You get to choose how long you have to pay back the agreed-upon amount. By achieving this, we are simply the best choice when buying your car.

Our loan amounts

We offer amounts that vary from 2,500 pounds to 25,000 pounds, all to suit your needs and ideal package. You can easily decide how long the term period should be, the option for 2 years to 5 years are available to you. There are no set up fees and for your convenience, documents can be electronically signed and all your paperwork can be done online. Neat, easy and convenient! Our car loan calculator will give you an idea of what you could pay every month and what interest rate you could qualify for.

Hitachi Personal Finance Services

Let us dive right in and get to the point. The things you need to know should know and can keep in mind.

Our loan benefits

  • There is no fee or charge for settling the amount early. You may settle the full amount at any time or overpay monthly if this is preferable to you.
  • You will have up to 5 years to pay back the full amount agreed upon.
  • The fixed interest rates we provide with allow you to budget better with no unexpected increase that could catch you off guard.
  • The online application process only takes about 10 minutes and a decision will be made instantly, which means the money could be in your account within 48 hours.
  • There are no arrangement fees.

Repayment option plans

Should you default on payment there will be charges, so if you are aware that you cannot pay, please contact us in advance before incurring a default in payment. The cost of a defaulted payment is 25 pounds and is relevant to all payment options. If letters are sent to you a 25-pound charge per letter will be added to your account. If a default on payment notice is sent to you a 25-pound charge, per the notice sent, will be added to your account.

You can make your monthly payments via cheque, debit or credit card payments, or via Direct Debit.

Hitachi Personal Finance – Car loan

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

Benefits of Hitachi Personal Finance

  • Get a loan that fits your financial needs
  • Convenient fixed interest rates
  • Early repayment option at no extra charge
  • Apply online within 10 minutes

Car loan calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

Follow the easy steps and enjoy the satisfaction of owning a car of your choice

Once you are ready to apply and you know how much you want over which period of time, then proceed to apply online.

We make it easy for you because we are not another time-intensive burden that can fill up a day. We want you to be happy and your satisfaction is important. After all, your dreams, no matter how humble the start, could change the world.

To meet the criteria to qualify for a Hitachi car finance loan you must:

  1. Be over the age of 21 years old.
  2. You need a bank account or a building society account.
  3. Live in the UK for more than 12 months and have permanent residency.
  4. You need a consistent income, being a permanent employee or a retired person, receiving a pension on a monthly basis.
  5. have a good credit history

Keep in mind when applying:

Having your information readily available when applying will save you time and effort. Out easy online loan application system makes applying simple. However, having all the relevant information at hand will save you time and hassle.

This is what you will need when applying:

  • Proof of your annual income
  • The details of your employer
  • Your bank account details
  • The last 3 years address history
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Hitachi Personal Finance is a trusted & reliable provider of car loans

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

September 2019

I would use Hitachi again for any loan I need.

Mary G
— London —

September 2019

It was really easy to use their website, it was informative, none of my time was wasted with them.

Larry F
— Lincoln —

Hitachi Personal Finance Contact

Physical Address

  • Thorpe Rd, Staines-upon-Thames Staines TW18 3HP United Kingdom
  • Get Directions

Opening Hours

  • Monday 08:45 – 19:30
  • Tuesday 08:45 – 19:30
  • Wednesday 08:45 – 19:30
  • Thursday 08:45 – 19:30
  • Friday 08:45 – 19:30
  • Saturday – Closed
  • Sunday – Closed