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Finance Q&A

Who provides the finance?

HMW Ltd t/a Oakdale FRN: 706144 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 Capital (UK) PLC is one of the UK’s leading financial services company with millions of customers across the UK and reputation for providing innovative finance solutions that help consumers and businesses realise their ambitions.

Who can apply?

In order to apply for finance you need to meet one of the following criteria:

  • You must be 18 years of age or over
  • UK resident for > 12 months
  • Have personal bank account from which a Direct Debit can be taken
  • Employed or self-employed, working minimum of 16 hours per week
  • Retired person (this includes earlier retirement)
  • A person on disability allowance, for which they can provide proof
  • If unemployed you can apply as a “House Person”, providing you have a cohabitating spouse/partner who can provide employment details

How to apply?

It is very easy to apply online.

  1. Choose the product you wish to purchase and add it to your cart
  2. Go to your cart and choose to pay by finance
  3. Choose the amount of deposit you wish to pay
  4. Choose the finance option (Interest Free or Interest Bearing)
  5. Choose the payment terms (months)
  6. Click “Pay by Finance”
  7. Complete your delivery details
  8. Pay your deposit
  9. You will be redirected to Hitachi website to process your finance
  10.  You’ll be asked to fill in some details so should have the following to hand:
  •  Previous address if you’ve moved in the last three years
  • Bank details including account number and sort code
  • Contact number and email address
  1. Once accepted, you will receive a confirmation email within 24 hours
  2. Please remember that any finance offer is subject to acceptance

What finance options are available?

Interest Free

Terms: 12, 24 or 36 months

0.00% APR Representative

Minimum spend for credit is £1,000

Minimum deposit of 10% is required

Representative Example:

Price: £5,500

Deposit: £550

Amount of Credit: £4,950

Interest Rate: 0,00% p.a. fixed

Representative: 0,00% APR

Monthly repayment: £137.50

Total Term: 36 months

Total amount payable: £5,500.00

 Interest Bearing

Terms: 48 or 60 months

9,90% APR Representative

Minimum spend for credit is £1,000

Minimum deposit of 10% is required

Representative Example:

Price: £5,500

Deposit: £550

Amount of Credit: £4,950

Interest Rate: 9,90% p.a. fixed

Representative: 9,90% APR

Monthly repayment: £103.92

Total Term: 60 months

Total amount payable: £6,785.20

 Do I have to pay a deposit?

Minimum deposit of 10% is required.

How do I find out how much I have left to pay?

For general account queries and support, speak to Hitachi Customer Experience team on
0344 375 5500*.

Monday to Friday: 8:15am to 7:15pm

Saturday: 8:15am to 4:15pm

Sunday & Bank Holidays: Closed

*All numbers that start with 03 are charged at the same rate as standard landline numbers. Inbound and outbound calls may be recorded for training and monitoring purposes.