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Our Products

Whatever your credit strategy, our suite of products has been designed to help you achieve your goals.

 

  • Buy Now, Pay Later

  • Interest Free Credit

  • Accelerated Payment

  • Interest Option

  • Interest Bearing Credit

  • Simply 10

  • Unregulated Credit

  • Deferred Interest Free Credit

Buy Now, Pay Later

A product that needs no introduction, BNPL is an attractive credit option for retailer and customer alike. Stand out against your
competitors and convert customers who might’ve otherwise been a lost sale.

How the product works

• No payments due for a defined ‘holiday’ period at the start of the agreement
• No interest to be paid if the agreement is settled before the end of the holiday period (early settlement fees may apply)
• Equal monthly repayments for duration of the agreement after holiday period (including interest calculated at inception of
agreement)
• Interest rate is fixed
• A range of payment and deferral terms available on purchases between £500 and £25,000
• A subsidy or commission can be applied, depending on the amount borrowed

Interest Free Credit

Drive footfall with an irresistible finance solution – equal monthly repayments over a fixed term and no interest to pay.

How the product works

  • 0% APR
  • Agreements can be settled at any point, free of charge
  • Equal monthly repayments
  • A range of payment terms available on purchases between £300 and £25,000
  • A subsidy will be charged for offering this product

Accelerated Payment

Allow your customers to spread the cost of big ticket items over a term up to 10 years – the earlier they close the agreement, the less they will pay in interest.

How the product works

  • Monthly interest rate
  • Equal monthly repayments
  • Early settlement option available
  • Typical term is 60 or 96 months on purchases between £500 and £25,000
  • A commission may be paid for offering this type of finance option

Interest Option

Enable customers to save on the interest if the loan is settled early, otherwise paying an agreed interest rate over a fixed period. 

How the product works

  • Fixed interest rate
  • Equal monthly repayments
  • No interest to pay if agreement is settled within the option period (option period allocated at agreement inception)
  • A range of payment and deferral terms available for Interest Option on purchases between £500 and £25,000
  • A subsidy or commission can be applied depending on the amount borrowed

Interest Bearing Credit

A simple product that allows your customer to borrow on a fixed rate, fixed term basis.

How the product works

  • Fixed interest rate
  • Equal monthly repayments
  • Agreements can be settled at any time
  • A range of payment terms available on purchases between £300 and £25,000
  • A subsidy or commission may be applied, depending on the amount borrowed

Simply 10

As easy as it sounds - allow customers to take out credit and pay back in 10 easy monthly instalments. Perfect for those on a strict budget.

How the product works

  • Fixed interest rate of 26.3% APR
  • 10% deposit required from customer
  • 10 equal monthly repayments
  • Available for purchases priced between £300 and £25,000
  • A subsidy or commission may be applied, depending on the amount borrowed

Unregulated Credit

Hitachi Capital Consumer Finance can help you broker interest free credit agreements up to 12 repayments without FCA authorisation.

Why try unregulated credit?

  • 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

Deferred Interest Free Credit

Your customers won’t be able to resist the lure of 0% APR and a repayment holiday period. Great for staying ahead of the competition.

How the product works

  • Payment holiday at the start of the agreement
  • First payment will be stated on the agreement form, and collected after the holiday period
  • If agreement is not settled within the holiday period, equal interest free repayments will be made monthly
  • A range of payment terms available on purchases between £300 and £25,000
  • A subsidy will be charged for offering this product
Our Solution Why should I choose Hitachi Capital Consumer Finance? Our Specialist Sectors

If you are an existing retail partner with a general enquiry, please call

0344 375 5515

Contact us

If you’re interested in becoming a retail partner, please complete the short form below and one of our team will get back to you as soon as possible. Alternatively, give us a call on 0344 375 5501

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