Contact us 0344 375 5501

Revolutionising Retail Finance

The world is changing and so are we!

From 14 February 2022, we’ll be rebranding from Hitachi Capital Consumer Finance to NOVUNA Consumer 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

What could Retail Finance do for my business?

As the UK's leading point of sale finance provider, more than 4,000 retailers of all shapes and sizes rely on us to provide their credit facility.

From driving traffic to increasing conversions, offering a point of sale finance solution could help you meet your business goals.

A recent survey of our retail finance customers showed that 55%* of customers chose to go ahead with the purchase because of the availability of an affordable credit option.

What's more, 43%* also admitted to spending more when finance was available. Can you really afford not to provide your customers with a point of sale finance solution?

*Based on 6,113 customer responses collected between January and June 2020.

Customer Satisfaction4.7 out of 5

Our award-winning customer service team provides our mutual customers with the same outstanding experience you would provide yourself.

Turn your browsers into buyers

Turn your browsers into buyers

Our cloud-based systems make it quick and easy for you to get up and running in just a matter of weeks. Applications take minutes and the customer will get an instant decision, with the option to e-sign their agreement, meaning no lengthy paperwork.

Our leading POS finance system can integrate with all major EPOS software, with simple plug-ins available for some of the biggest suppliers including Magento, Shopify and WooCommerce.


Turn your browsers into buyers

How Hitachi Capital Retail Finance can help 
  • Increase customer loyalty
  • Accelerate purchasing decisions
  • Stimulate recommendations and repeat business
  • Close sales
  • Increase average order value
  • Drive footfall and traffic


No FCA authorisation, we can help

Hitachi Capital Consumer Finance can help you provide interest free credit agreements up to 11 repayments without FCA authorisation.

Why should I try an unregulated credit product?

  • Find out if credit works for your business
  • Build a business case and gain internal buy in
  • Get up and running while you wait for authorisation

Why we're the UK's leading point of sale finance provider

  • From our specialist expertise in a wide range of industry sectors, to innovative products and our fully customisable omni-channel solution, find out why we're the UK's leading point of sale finance provider.

    Why choose Hitachi Capital Consumer Finance?

Our specialist sectors

Our expertise in retail finance is diverse and dynamic. Here are just some of the sectors in which we specialise.

Our products

A wide range of products to suit your business and your customers.

Our solution

‘Out of the box’ quick, but ‘outside the box’ creative. A tailored service that suits your business.

Retailer case studies

With a successful omnichannel approach in place, teamed up with Hitachi Capital in January 2014 to offer interest free credit to customers

Berry's Jewellers

Berry's Jewellers

With deals such as 0% interest-free credit, we help jeweller Berry’s deliver on their policy of “Excellence in Every Quarter”, helping them gain new customers and stay competitive

A Blueprint for Retail Investment

  • Hitachi Capital Retail Finance

    2 Apex View
    West Yorkshire
    LS11 9BH

    Interested in becoming a retail partner?

    If you would like to enquire about becoming a retail partner, please complete the short form, and one of our team will be back to you within three business days.


    You will need to confirm you can meet all of the following criteria:


      • Minimum of £1,000,000 in annual sales turnover

      • A minimum of 2 years trading history

      • Be trading profitably

      • A minimum net worth of £25,000, unless your business is within the Home Improvements market then a minimum of £100,000 will be required

      • The products you offer are for consumers and NOT for businesses

    Opening Hours:
    08:45 - 17:15 Monday to Thursday
    08:45 - 16:45 Friday

    Retail Helpline

    If you are an existing retail partner with a general enquiry, please call our Retail Helpline on 0344 375 5515

    Retail Helpline opening hours: 
    08:45 - 18:00 Monday to Friday
    08:45 - 18:00 Saturday
    10:00 - 18:00 Sunday

    If you're a customer looking to speak to someone about an existing retail finance or personal loan agreement, call our Customer Helpline on 0344 375 5500


    Back to Retail Finance Home

Contact us for more information

Retail Finance news

Cashless society? Rural and older consumers join cashless payments revolution

Jun 2020

Rural and older communities are as ready to join the cashless payments revolution as their younger and city-dwelling counterparts, new research from Hitachi Capital (UK) PLC has found.

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.

Ecommerce Integration FAQs

Nov 2019

Find out everything you need to know about integrating your ecommerce platform with our PaybyFinance system.

9 Ways to Promote Finance

Dec 2019

All too often we see retailers losing out on sales because they introduce customers to the option of paying for their chosen goods with finance too late in the buyer journey. That’s why we’ve put together this guide to 9 alternative places to plug your finance offering that are not the payment page.