Our NEW online finance tool is now available to order and buy online.

Finance FAQ’s

Will I Qualify for Finance?

To apply for one of our credit options you must meet the following criteria:

Over 18 years of age

  1. A UK resident with at least 3 years continual address history
  2. Be in full time employment, unless retired or a house person with a spouse in full time employment
  3. Have a UK bank account capable of accepting Direct Debits
  4. The goods must be delivered to your home address (submitted on your application)
  5. Minimum purchase with us is £280

When do repayments begin ?

All monthly payments are paid by direct debit from the applicant’s bank account. Typically the 1st payment will be due on or around one month after the date of the finance agreement being put in place and all subsequent monthly payments will be due every month for the length of your term on that same day every month. Please have sufficient funds in place for 7 days either side of your expected 1st payment. We cannot legislate for any changes due to weekends/bank holidays.

Can I use finance to purchase multiple items ?

Yes you can add multiple items to your basket, when you get to checkout select payment option pay by Hitachi Personal Finance, a trading style of Hitachi
Capital (UK) PLC. Authorised and Regulated by the Financial Conduct Authority

What do I need to apply ?

At the payment stage you will be required to fill out the online form and add an electronic signature. Please make sure you use your full name and address.

A transaction of 50p will be authorised against a credit or debit card you own, no money will be taken from your card the process is designed to protect you and us against fraud, the details are only used to confirm they are valid and registered to your address.

Who are Hitachi finance?

Hitachi Personal Finance is a trading style of Hitachi Capital (UK) PLC, a leading financial services company with over 30 years’ experience providing innovative finance solutions that help consumers and businesses to grow and prosper across the UK. Authorised and Regulated by the Financial Conduct Authority.

We are a wholly owned subsidiary of Hitachi Capital Corporation, one of Japan’s largest non-bank financial institutions. Originally established to provide innovative financial solutions to manufacturers, we now meet the demands of millions of individuals and businesses across the UK.

Bryan Hynds chose Hitachi Personal Finance due to their ease of use, speedy process and their incredible experience. If you’re successful with your application, you will enter into a Credit Agreement with Hitachi Personal Finance.

I've got a question about the status of my finance application

Please contact us. You will be able to find our contact details on our website contact us page. Hitachi Personal Finance may also email you to advise you on the status of your application. Hitachi Personal Finance will use the email address you provided on the application form but if you haven’t received any emails from them, please check your junk and spam mail folders.

How do I amend my order?

Contact us directly if you want to amend any part of your order, including delivery. You will be able to find our contact details on our website contact us page.

Why was my application declined?

Applications can be declined for a whole host of reasons. Unfortunately, we are not given the reason why a customer is declined for a credit application. The authorisation process is carried out by the Hitachi Personal Finance and Bryan Hynds has no part in the decision.

The decline message is sent to you by the Hitachi Personal Finance, with no justification or explanation. If you wish to find out more please contact Hitachi Personal Finance directly. Their details can be found in the email you received from Hitachi Personal Finance confirming the lending decision.

I'm having problems uploading my proof of identity

You need to carefully follow the instructions on screen to upload your proof of identity image. You can use a smartphone camera to take a picture of your identity document, there’s no need to have a scanner.

I'm having problems paying my deposit online.

Please carefully re-enter all your card details.  Please note: Hitachi Personal Finance cannot take card payments over the phone or by any other means.

Who Is the Finance Provided By?

Bryan Hynds Garden macjoinery Limited FRN: 816424 are authorised and regulated by the Financial Conduct Authority. We are a credit broker not a lender – credit is subject to status and affordability, and is provided by Hitachi Capital (UK) PLC. Terms & Conditions Apply.

Hitachi Personal Finance is a trading style of Hitachi Capital (UK) PLC. Authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. The register can be accessed through www.fca.org.uk

For more information please visit Hitachi Personal Finance Finance is only available to permanent UK residents aged between 18-80, subject to status, terms and conditions apply.