Our products

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

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