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Award-winning Personal Finance

Great rates from the UK’s Best Direct Personal Loan provider

  • We provide unsecured personal loans from £2,500 to £25,000, with the ability to tailor your loan to suit your budget. Our online application takes just minutes to complete, giving you an instant decision and once accepted, the money can be in your account within 48 hours.

  • We are the only mainstream provider to show live customer feedback 24/7 online from Feefo, where our customer satisfaction score is consistently 98% or higher. And as proud winners of the Best Direct Personal Loans Provider Award from YourMoney for the last five years running, you know you’re in safe hands.

A loan provider you can rely on

Offering competitively priced products and individually tailored service, we lend over £1.6bn per year, processing, on average, a loan application every 60 seconds.

With no hidden fees, a simple application process and straightforward repayment options, we provide the finance that helps people improve their homes, upgrade their cars and achieve their individual ambitions, whatever they may be.

  • Fast online application, instant decision
  • Funds can be in your account within 2 working days
  • A loan processed every 60 seconds
  • 98% customer satisfaction rate

Our personal finance products

Personal Loans

Whatever your dreams, make them a reality with our personal loans

Car Loans

Get yourself out on the open road with our carefully engineered car loans

Holiday Loans

Treat yourself to that holiday of a lifetime by spreading the cost with our low cost loans.

Small loans

We could help you to realise your smaller ambitions

Home improvement loans

Whether you're in need of an extension or loft conversion, want to completely refurbish your new home, we’re here to help

Caravan Loans

Impromptu holidays can be on the horizon with our low cost caravan loans.

Hitachi Personal Finance Reviews


Customer Experience Rating

Our customer satisfaction is vital to our success, which is why we’re the only provider to give full visibility of our reviews, updated in real-time, 24 hours a day.

Click here to view them on our external Feefo page

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    Hitachi Personal Finance is a brand of HCUK. Other brand names under which we trade include Hitachi Capital Consumer Finance, Hitachi Capital Vehicle Solutions, Hitachi Capital Business Finance and Hitachi Capital Invoice Finance.

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Contact us


For general enquiries telephone our Customer Service Team on 

0344 375 5500*

Opening Hours for our Customer Service Team
08:45 - 19:30 Monday to Friday
08:45 - 12:00 Saturday


If you prefer, you can email us from your registered email address and we will action your enquiry within 2 working days.

Collections Team

If you have missed a payment, or have found yourself in financial difficulty, please contact our Collections Team by email or call us on 

0344 375 5488

Opening Hours for our Collections Team
08:00 - 20:00 Monday to Thursday
08:00 - 19:00 Friday
09:00 - 12:30 Saturday

Personal Loans Help

Chat to our personal loan advisers now, who will be happy to assist you with your personal loan application.

To process a personal loan, call or email us 

0343 351 9112

Opening hours for our Personal Loans Team
08:45 - 19:30 Monday to Friday
08:45 - 14:00 Saturday

*Inbound and outbound calls may be recorded for training and monitoring purposes.

Personal finance news and articles

Best Direct Personal Loan Provider For Fifth Year Running

Jul 2018

Hitachi Personal Finance won the title of Best Direct Personal Loan Provider at the 21st annual Awards last night.

UK Spending Priorities Revealed: Luxuries vs Necessities

Jan 2018

Central heating, having time off work, and a TV are considered the top three necessities in 2018, while holidays abroad, subscription TV and an upmarket car are Brits’ top luxuries, according to research from Hitachi Capital UK.

Millennials revealed as one of the most financially secure generations

May 2019

Hitachi Personal Finance has carried out research into how different age groups approach their finances. Based on our findings, here are our top tips for money management and budgeting no matter what your age, income, or plans for the future.