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Once you have decided on the appliances that you would like, you can spread the cost by applying for our finance through Hitachi Capital. 

We can offer you a choice of two fantastic Finance options.

Either Buy now Pay Later over 48 Months, deferred for 12 months or Interest Bearing over 24,36, or 48 Months.

Both Choices are available on Appliances over £200 and do not require a minimum deposit.


Buy Now Pay Later has an Early Settlement fee of £29 if you choose to settle the Finance within the first 12 months.

APR 29.8% if you choose not to pay within the first 12 months.


Example below if you Choose Buy now pay later and pay within the first 12 months. 

 Total Purchase Price  £1000
 Deposit   0
 Loan Amount  £1000
Typical Monthly amount*
 Early Settlement Fee  £29
 Total Payable   £1029

 *Monthly payments are an option, you can decide to pay the full amount nearer to the end of the loan term or pay during this period.


Interest Bearing has an APR of 19.9% which as stated above is 24,36 or 48 months


Typical Example below of Interest-Bearing over 24 Months

Total Purchase Price £1000
Deposit 0
Loan Amount £1000
Loan Term 24 Months
APR 19.9%
 Monthly Payment  £50.07
 Total Charge  £201.68
Total Amount Payable £1201.68


Interest-Free Credit

Sometimes we do have promotions, where we can offer Interest-free credit over 12-24 Months with no deposit. These will be advertised on the products available at the time.

Standard Criteria to be Considered for Hitachi Capital Consumer Finance

  • be 18 or older;
  • be in permanent paid employment or retired and receiving a pension, or be a house person with a partner in permanent paid employment or be self-employed;
  • be a resident in the UK (or a British Crown Dependency if approved by Hitachi Capital) for a minimum of 12 months;
  • be able to provide acceptable proof of address (except where the goods and/or services are to be delivered to their residential address) and proof of signature;
  • make payments by direct debit; and
  • be purchasing the goods and/or services for personal use and not for business use.

Our finance agreements are provided by Hitachi Capital Consumer Finance, a division of Hitachi Capital (UK) PLC, Authorised and Regulated by the Financial Conduct Authority.