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

Are you purchasing a new or used car? Have you been looking for the perfect car?

Are you ready to obtain an online car loan and drive away in the car of your dreams today?

Online car loans from Hitachi Personal Finance

Hitachi Personal Finance is a car loan provider that offers low-interest car loans that can be paid over up to five years, regardless of whether you're purchasing a new or used car.

With their personal car loans, you may purchase a car with cash instead of borrowing money from a bank. As a result, you are free to bargain for a lower price on your ideal car without regard to the dealership's inflated APR rates or mileage limits.

As one of the UK's top financial services organizations and direct lenders, Hitachi Capital (UK) PLC has millions of clients throughout the UK and a reputation for offering innovative financial solutions that help people and businesses fulfill their dreams.

Car loans you can trust

Hitachi Personal Finance division trades under the Hitachi Capital (UK) brand. The Financial Conduct Authority (FCA) has authorized and overseen this car loan service.

By joining forces with Mitsubishi HC Capital Inc., one of the world's biggest and most varied financial conglomerates, on April 1, 2021, they became a wholly-owned subsidiary of Hitachi Capital (UK).

Hitachi Personal Finance Services

It's your choice how long it takes to pay off your car loan with Hitachi Personal Finance.

Control over the amount of time it takes you is now at your fingertips because of this. You may stretch the cost of your car loan over a period of 24 months to a maximum of 60 months with their flexible repayment plans according to your needs.

Car loan you can access

Hitachi Personal Finance allows you to determine the car loan amount through the total loan amount you need or a predetermined monthly budgeted amount. You may get a car loan from them ranging from £7,500 to £25,000. In addition to cars, their loans may be utilized to purchase motorcycles and scooters as well.

Enjoy the flexibility of making early repayments 

At any time, you may pay off your car loan in full without incurring any further fees. You can manage your payments of the car loan online at any time or contact their support team.

Your monthly Direct Debit payment will continue as normal until the debt is repaid, therefore overpayments will lower the length of your car loan agreement rather than the monthly payment amount.

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 quick loans calculator is subject to our terms of use.

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

Hitachi Personal Finance is the best place to obtain a car loan.

They assist individuals like yourself in finding the car loan that best fits their needs and lifestyle. It is their goal to make you happy, and they take your happiness very seriously. Apply for your low-interest car loan today and make your dream car your new reality.

The best online car loan provider

Every year, YourMoney.com readers award Hitachi Personal Finance as the best online car loan provider, and they have held that title for the previous seven years.

For the third year in a row, they were awarded the Feefo Platinum Trusted Service Provider Award for achieving an average customer satisfaction rating of 4.5/5* stars or better.

Enjoy the benefits when you apply for a car loan with Hitachi Personal Finance

  • There is no penalty for paying the balance in full sooner rather than later.
  • You have up to five years to pay back the agreed-upon sum.
  • They provide set interest rates for your car loan so that you may plan ahead of time and avoid any unpleasant surprises.
  • A decision on your online car loan application will be made in less than ten minutes.
  • You will receive the car loan in your account in as little as 48 hours.
  • There are no hidden costs or fees.

Applying for a car loan from Hitachi Personal Finance

Step 1:

Decide if you want to borrow a fixed amount or take a loan amount based on your monthly budget.

Step 2:

Decide how long you will need to pay back the car loan.

Step 3:

Submit your completed online car loan application on the Hitachi Personal Finance website.

Step 4:

Receive the car loan into your bank account.

Step 5:

Purchase the car you took out the loan for.

To be eligible for a car loan meet the following criteria:

  • You must be at the very least 21 years of age or older to apply for a car loan.
  • Having an account at a bank or a building society is a must.
  • Pass the 12-month residence test and be granted permanent resident status in the UK.
  • An ongoing source of income, whether you're a full-time job employee or an elderly retiree, is essential for a car loan.
  • Ensure your credit rating is in order.

Low interest on your online car loan

They provide car loans ranging from £7,500 to $25,000 Enjoy low-interest car loans starting from only 3.1 percent APR representative. Your interest rate will be set for the duration of your agreement and charged daily. The interest rate you are given may be affected by your personal situation and the size of your car loan.

man holding thumbs up

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 UK: FSA 704348

Customer Reviews & Testimonials

September 2021

I was astonished at how effortless this loan application was. I got approved in the time it took me to go pick up my kids from school. It was incredible.

Daniels S
— York —

September 2021

This was the easiest car loan application I have ever experienced. I was able to buy my brand new car in the same week I applied for the loan. It was incredible.

Sandler K
— Oxford —

October 2021

Because of the loan I received from Hitachi Personal Finance, I bought my very first car. The process was fast and easy.

Simeon A
— London —

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