What's wrong with this listing?
✓ Thanks, we'll review this.
Novuna Personal Finance Loans
Novuna offers flexible personal loans with competitive rates, making it a solid choice for borrowers looking for straightforward financing.
Novuna Personal Finance Loans
Updated 3 hours ago| APR | Amount | Term |
|---|---|---|
| 6.7–36.4% | £1,000–£25,000 | 12–60 mo |
Requirements
—Decision
—Our Verdict
Novuna offers flexible personal loans with competitive rates, making it a solid choice for borrowers looking for straightforward financing.
✅ Best For
It's ideal for individuals with good credit looking for amounts between £1,000 and £25,000 without early repayment penalties.
⚠️ Watch Out
The interest rates can be high depending on your credit score, so ensure you check your eligibility before applying.
Ready to check your rate?
No credit score impact — free to check
About this loan
Expert Analysis
Novuna Personal Finance, previously known as Hitachi Personal, provides personal loans ranging from £1,000 to £25,000 with fixed interest rates. The absence of early repayment penalties is a significant advantage, allowing borrowers to pay off their loans without incurring extra fees. The application process is online and generally straightforward, catering to those who prefer a quick and hassle-free experience. One of the key highlights is the competitive APR range of 6.7% to 36.4%, but it’s worth noting that the lowest rates are reserved for larger loans between £7,500 and £25,000.
This can be a drawback for those seeking smaller amounts, as they may face higher rates. Additionally, a good credit score (700+) is required to qualify for their best rates, which may exclude some potential borrowers. In terms of comparison, Novuna stands out for its transparent fee structure and flexibility compared to some competitors that may charge additional fees or have stricter repayment terms. However, borrowers with lower credit scores should consider alternatives that may offer more tailored options. Overall, Novuna is a viable option for those with good credit, looking to borrow larger sums without the stress of early repayment penalties.
Similar options
APR
7.9–45.9%
Amount
£1k–£25k
Term
12–60mo
APR
3.9–24.9%
Amount
£1k–£50k
Term
12–60mo
APR
6.1–21.9%
Amount
£1k–£50k
Term
12–60mo
Santander Personal Loan
personalUK resident
18+
1-2-3 account for best rate
APR
5.3–21.9%
Amount
£1k–£25k
Term
12–60mo
M&S Bank Personal Loan
personalUK resident
18+
M&S Rewards card for bonus points
APR
6.0–19.9%
Amount
£1k–£25k
Term
12–60mo
APR
5.5–19.9%
Amount
£1k–£50k
Term
12–60mo
Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.
Similar options
APR
7.9–45.9%
Amount
£1k–£25k
Term
12–60mo
APR
3.9–24.9%
Amount
£1k–£50k
Term
12–60mo
APR
6.1–21.9%
Amount
£1k–£50k
Term
12–60mo
Santander Personal Loan
personalUK resident
18+
1-2-3 account for best rate
APR
5.3–21.9%
Amount
£1k–£25k
Term
12–60mo
M&S Bank Personal Loan
personalUK resident
18+
M&S Rewards card for bonus points
APR
6.0–19.9%
Amount
£1k–£25k
Term
12–60mo
APR
5.5–19.9%
Amount
£1k–£50k
Term
12–60mo
Related Articles
From Around the Network
Loans
Best Personal Loans in 2026: Top Picks for Every Need
Explore our top personal loan picks for 2026, tailored to fit various needs from budget-friendly to premium options.
Loans
Finding the Best Personal Loan for You: Rates, Terms, and Tips
Explore top personal loan picks with the best rates and terms this April. Discover which lenders offer the most flexible terms and lowest APRs.
Loans
Debunking Personal Loan Myths: What Really Matters in 2026
Discover the truth behind common personal loan myths. We'll separate fact from fiction and guide you to smarter loan choices in 2026.