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Middle East and Africa


  1. Hitachi Capital >
  2. Retail Finance >
  3. Interest Option

Interest Option

Interest Option loans attract customer interest in a similar way to an Interest Bearing loan. Setup over a fixed period with an agreed APR; the customer has the option to settle the loan within the option period and have all interest paid deducted from the settlement figure.

How it works for your customers

  • APR at an agreed rate is applied
  • Repayments start approximately 1 month after delivery of goods/services
  • Option period is allocated
  • If they settle within the option period they do so interest free
  • There is no obligation to settle the loan early, they can simply continue to make their loan repayments on a monthly basis

How it works for you

  • We offer a range of payment and deferral terms for Interest Option on purchases between £500 and £25,000
  • Dependant on the rate of APR used a subsidy or a commission can be applied

Omni Channel

Select the channel that meets your business needs

Instore solution

Instore Solution

Our online CreditMaster2 system allows you to process a customer's finance application in under 3 minutes!



Our user friendly site gives customers the ability to apply for finance 24 hours a day giving added convenience to the customer experience.

Mail order

Mail order

Our Mail Order system enables you to e-mail a link to your customer, which allows them to process their own application in the comfort of their own home.

To speak to a member of our team please contact 0344 375 5501 Or fill out our enquiry form here