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Why choose Hitachi Capital UK?

The UK's leading point of sale finance provider 

You're in safe hands

With more than 35 years of experience in the finance industry and well over 3,000 retailers in the UK now trusting us to provide an affordable credit solution to their customers, our point of sale finance solution is second to none. 

We have the widest range of products on the market - from Interest Free to Buy Now, Pay Later - and our simple, cloud-based systems mean you could be up and running in just a matter of weeks.

Our extensive list of existing retail partnerships ranges from high street giants to ecommerce experts, spanning various specialist sectors from home improvements to healthcare.

A trusted name

With over 35 years in the finance industry and working with some of the best known brands, you know you’re in safe hands.

View the full list of case studies



John Lewis

  • Solutions to suit your business

  • From online to in-store, we'll help you customise a solution to fit your business needs. What's more, with all development and system management done in-house, we can deliver a platform that's truly tailored to your needs.

    Read more about our solutions

  • CreditMaster2

  • Process a customer's finance application in under 3 minutes

  • White labelled using your branding so you choose its look and feel.

  • Search functionality allows retailers to find their customers applications with minimum effort

  • Quick and easy e-signature technology means no messy, complicated paperwork

  • PaybyFinance

  • Offer your customers point of sale finance for online purchases.

  • Plug and play system with quick integration with your existing website.

  • Quick and simple application process, with a decision in seconds.

  • e-signature functionality allows goods to be dispatched straight away

Outstanding customer service

We provide the best possible experience for our mutual customers. That’s why we have been accredited and awarded by the Institute of Customer Service

Institute of Customer Service

ICS accreditation & winner of Best Customer Service Strategy 2017

Following our accreditation by the Institute of Customer Service (ICS) in May 2016, Hitachi Capital Consumer Finance also won the coveted award of Best Customer Service Strategy in 2017.

Feefo service award

Gold Trusted Service Provider 2018

With an average customer satisfaction score of 4.5/5 stars or higher, we have achieved the high standard required to win the Feefo Gold Trusted Service Provider Award for the second year running.

  • Dedicated relationship manager

    One-on-one support from your dedicated relationship manager will ensure your finance strategy is aligned to your wider business objectives

  • Single site location

    Our whole team – from underwriting to IT – is based in one location, meaning seamless communication and fast turnaround of requests

  • Fuss-free set up

    Our truly omni-channel solution makes system integration quick and easy, meaning you can be up and running in just two weeks

  • Interested in becoming a retail partner?

    If you'd like to speak to us about becoming a retail partner, please complete the short form and one of our team will get back to you as soon as possible.

    Alternatively, if you'd rather speak to someone straight away, feel free to give us a call on

    0344 375 5501

    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 - 21:00 Monday to Friday
    08:45 - 18:00 Saturday
    10:00 - 18:00 Sunday

Contact us for more information

Retail Finance news

The Future Of Automation In Retail

Oct 2018

Hitachi Capital Consumer Finance managing director Vincent Reboul was recently featured in an article in Yorkshire Business Insider on the future of automation in industry.

A Blueprint For Retail Investment

Sep 2018

Hitachi Capital Consumer Finance commissioned a study of more than 500 senior retail decision-makers to understand the key investment priorities within the retail sector.

Financial Results For Year Ended 31 March 2018

Aug 2018

Hitachi Capital (UK) PLC publishes its financial results for FY 17/18, announcing a significant rise in group profits and strong performance across its five key business units

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.