Hitachi Personal Finance


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The personal lending arm of the Japanese multinational, multi-industry conglomerate, Hitachi Personal Finance offers a wide range of loans between £2,000 and £25,000, all online. In this article, we’re going to take a closer look at the range of loans that Hitachi offers, and which customers might want to consider.

About Hitachi Personal Finance

As a subsidiary of Japan’s largest non-bank financial institution, Hitachi Personal Finance states its intention to take a different approach to lending than banks, as well. Their variety of personal loans are intended to help with specific purchases and financial goals. Hitachi boasts a customer satisfaction rate that regularly reaches a rate of 98% and above, featuring all reviews from the site Feefo, on their own site for potential customers to browse. They have also won several awards for customer service, direct personal loans, and unsecured loans from ICS, Your Money, and The Personal Finance Awards.

Products & features

Hitachi offers loans with an average rate of around 5.4%, with some available with 3.3% APR. It is worth noting that only those with excellent credit are likely to be offered these terms. However, that doesn’t mean that Hitachi is unnecessarily restrictive. They have a loan calculator and a thorough application process that shows customers what they can qualify for. Also of note is that the process of borrowing also takes into account what the customer wants to buy, helping to guide them to the best product for them.

Some of the loans that Hitachi Personal Finance offers include:

  • Personal loans: Loan agreements lasting between 24 to 60 months, offering between £2,500 and £25,000. These are fixed interest loans, with a potential 3.3% APR on loans above £10,000.
  • Car loans: The loans on offer for buying a car can also get a fixed APR of 3.3%. Even if your APR ends up at a higher rate on a short-term loan, you can extend the term of the loan to help keep it manageable.
  • Home improvement loans: These loans offer much the same terms as car loans, but the site also has a useful guide that shows the potential costs of common home improvements, as well as the estimated value those improvements can add to the home.
  • Small loans: Offering loans between £5,000 and £7,500, these loans offer some of the best APR in the whole selection of products, as low as 3.5% APR. These loans come with a fixed rate of interest, with no arrangement fees.
  • Besides the helpful loan repayment calculator, another useful feature that Hitachi offers is the ability to manage their loan entirely online once it has been approved. This means that customers who know exactly what they want and how to use it don’t necessarily need to talk to any advisors, but they are available to help those that might them.


    With some of the best rates on personal loans in the market, Hitachi Personal Finance is a highly convenient, highly competitive lender for all kinds of personal uses. Though the very best APR might only be available to those with excellent credit, they still offer transparent, no-fuss lending for a wide range of customers.