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Award-winning Personal Finance

The world is changing and so are we!

From 14 February 2022, we’ll be rebranding from Hitachi Personal Finance to NOVUNA Personal Finance with a fresh new look and feel.   We’re really excited about our new brand and positive you’re going to love it! Find out more

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

  • We provide unsecured personal loans from £1,000 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 seven 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*

If you have missed payment, or have found yourself in financial difficulty, please contact our Collections Team on 0344 375 5488*

Opening hours for our Customer Experience Team:

Monday to Friday: 8:15am to 7:00pm

Saturday: 8:15am to 4:15pm

Sunday & Bank Holidays: Closed

*All numbers that start with 03 are charged at the same rate as standard landline numbers.


Alternatively, you can email us at

Please note, this request must be made from the email address registered to your account, we will be unable to action any requests or share information about your account if this is from a different email address.

We will action your enquiry within 5 working days.

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 us on 
0343 351 9112*

All numbers that start with 03 are charged at the same rate as standard landline numbers.


Alternatively, you can email us at

Opening hours for our Personal Loans Team:

Monday: 8:45am to 7:15pm

Tuesday to Friday: 8:45am to 6:30pm

Saturday & Sunday: Closed

Bank Holidays: Closed

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

Personal finance news and articles

Financial resolutions: Ten ways to look after your finances in 2021

Dec 2020

With 2020 finally coming to an end and a fresh year on the horizon, there’s no better time to make financial resolutions, ditch bad money habits and consider ways to improve your financial health.

Finance experts say THIS is how to bag the best Black Friday bargains

Nov 2020

With the second lockdown coinciding with Black Friday, shoppers will be vying to take advantage of bargains online this year more than ever before. The sheer volume of discounts and deals can be overwhelming, so experts at Hitachi Personal Finance have provided top tips on how shoppers can navigate the chaos and secure the best deals.

Family and finances trump relationships when it comes to finding joy

Sep 2020

More than nine out of ten UK adults would choose extended family or financial security over a partner or spouse when it comes to seeking joy, according to new research.

Jewellery customer insight: Getting engaged on Valentine's Day

Feb 2020

With Valentine’s Day just around the corner, our recent research lifts the lid on how people feel about getting engaged on the most romantic day of the year, where they would choose for their partner to buy their ring from and how much they expect them to spend.