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Hitachi Finance

Credit subject to status and affordability. Terms & Conditions Apply. Quatropi are a credit broker and are Authorised and Regulated by the Financial Conduct Authority.

Credit is provided by Hitachi Personal Finance, a division of Hitachi Capital (UK) PLC Authorised and Regulated by the Financial Conduct Authority

 

Our payment plan options

We offer a range of interest-free and interest bearing finance options to help you spread the cost of your purchase over 6, 12, 24 or 60 months. The value of the loan needs to be over £250 and you can choose a deposit of up to 50% of the value of the goods.

**No discount/voucher codes are eligible when choosing to pay by finance**

 

Finance Options

Term APR Minimum Spend Minimum Deposit Minimum Credit Balance
6 Months 0% £300 £30 £250.00
12 Months 0% £850 £85 £765.00
24 Months 9.9% £300 £30 £250.00
60 Months (Pay Nothing For 12 Months Then Spread Cost Over 4 Years) 9.9% £850 £85 £765.00

 

Example 1 (based on 6 months Interest Free Credit)

Interest rate 0% fixed  
Cash Price £400
Less deposit (minimum 10%) £40
Amount of credit £360
Payable by 6 monthly installments of £60
Total amount payable £400
0% APR representative -

 

Example 2 (based on 12 Months Interest Free Credit)

Interest rate 0% fixed  
Cash Price £1200
Less deposit (minimum 10%) £120
Amount of credit £1080
Payable by 12 monthly installments of £90
Total amount payable £1200
0% APR representative -

 

Example 3 (based on 24 Months 9.9% Interest Rate)

Interest rate 9.9% fixed  
Cash Price £750
Less deposit (minimum 10%) £75
Amount of credit £675
Payable by 24 monthly installments of £30.99
Total amount payable £818.65
9.9% APR representative -

 

Example 4 (based on 60 months, deferred for 12 months 9.9% Interest Rate)***

Interest rate 9.9% fixed  
Cash Price £2200
Less deposit (minimum 10%) £220
Amount of credit £1980
Payable by 48 monthly installments of £54.22
Total amount payable £2822.56
9.9% APR representative -


***You can pay this off any time within the first 12 months and incur no interest costs, just a £29 early settlement fee

 

Finance FAQ

 

How do I choose to PaybyFinance? 

Please contact our sales department by Tel : 02476 642139 or by Email : sales@quatropi.com and they will be happy to arrange for a link to complete your finance application to be emailed directly to you.

 

Who is eligible to apply for online finance?

To apply for online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more.

Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however we will require the employment details of your spouse / partner in order to process your application.

  

When do my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered.

  

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras.

 

Applying for online finance

Applying for online finance couldn't be easier or more convenient. Please contact our sales department by Tel : 02476 642139 or by Email : sales@quatropi.com and they will be happy to arrange for a link to complete your finance application to be emailed directly to you.

Just follow the simple instructions, entering your personal details as required and we'll do the rest. The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details.

Please read the agreement carefully checking that all the details are correct, then either electronically sign the agreement or print and sign the agreement in both boxes. Post the signed agreement to the address shown on the covering letter of the agreement. Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.

 

Your questions answered

Here's some of the most commonly asked questions regarding online finance.

 

Once my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the options to either e-sign or print and return your finance agreement.

If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.

Once you have agreed to the terms of the finance agreement Quatropi will be notified and you need do nothing more.

If you choose to print and return your agreement you should print the agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the finance agreement.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.

 

Will you credit score me and if so, what does this mean?

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit Company scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies.

This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

 

If you decline my application, what is the reason?

In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:

  • Your credit score (please note that every finance company will score you differently)
  • Adverse credit reference agency information  You are considered to be overcommitted
  • You are aged under 18
  • Your existing account performance with other lenders

 

What type of information do credit reference agencies hold about me?

Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

 

How do I obtain a copy of this information?

You should send a cheque for £2.00 made payable to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:

  • Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
  • Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
  • Callcredit Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it. 

 

If my application is not successful, can I re-apply?

Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.

 

Can I request delivery to an address other than my home?

In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.