Novuna Personal Finance Loans

Personal loans from £1,000 to £25,000 with fixed rates. No early repayment penalties. Straightforward online application.

Last checked on September 4, 2026. We may earn a commission when you click through.

Personal Novuna Personal Finance Reviewed

Novuna Personal Finance Loans

Updated 1 month ago

APR Range

6.7–36.4%

Amount

£1k–£35k

Term

12–60 months

Type

Personal

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Our Verdict

Novuna Personal Finance offers flexible personal loans with competitive rates, ideal for those seeking straightforward borrowing options without penalties for early repayment.

Best For

This service is best for individuals with good credit ratings looking for loans between £1,000 and £25,000, especially for larger amounts where lower rates apply.

Watch Out

However, borrowers should be mindful of the relatively high APR range, which can reach up to 36.4%, particularly if your credit score is on the lower end.

Full Review

Novuna Personal Finance, previously known as Hitachi Personal Finance, provides personal loans ranging from £1,000 to £25,000 with fixed rates, making it a suitable option for various financial needs. One of the standout features is the absence of early repayment penalties, which can be a significant advantage for borrowers who may want to pay off their loan early without incurring additional costs. The online application process is straightforward, catering to those who prefer a hassle-free experience.

The APR starts at 6.7%, which is competitive, but it's essential to note that this rate is primarily available for loans between £7,500 and £25,000. For borrowers seeking smaller amounts, the rates can be considerably higher, reaching up to 36.4%. This tiered structure may disadvantage those with lower amounts or less-than-perfect credit scores, as a minimum credit rating of 700 is required to access the most favourable terms.

Compared to other personal loan providers, Novuna offers a decent range of borrowing options, but potential customers should compare APRs across different lenders to ensure they secure the best deal for their financial situation. Overall, Novuna Personal Finance is a solid choice for those with good credit looking for flexible borrowing, but caution is warranted for those with lower credit ratings or those seeking smaller loan amounts.