Also known as: Novuna; Novuna Consumer Finance; Novuna Personal Finance; Novuna Business Finance; Novuna Vehicle Solutions
Mitsubishi HC Capital UK PLC trades under the brand name Novuna and is a major provider of consumer finance and business finance in the UK. It is a joint venture between Mitsubishi Corporation and HC (Hitachi Capital), a Japanese financial services group. The company rebranded from Hitachi Capital to Novuna in 2022.
Novuna provides a wide range of finance products. On the consumer side, it offers retail finance (allowing customers to spread the cost of purchases at partner retailers), vehicle finance, and personal loans. On the business side, it provides asset finance, invoice finance, and business loans for companies of various sizes.
For personal customers, Novuna's retail finance products are available through partner retailers in sectors including home improvements, healthcare, and consumer goods. Point-of-sale finance allows customers to spread payments, often with interest-free promotional periods on qualifying purchases.
Novuna is one of the larger participants in the UK retail finance market and works with thousands of retailers.
If you have a Novuna finance agreement — whether from a retail purchase, vehicle finance, or personal loan — and need to contact them, details are available on their website at novuna.co.uk. Their registered address is Novuna House, Thorpe Road, Staines-upon-Thames, Surrey, TW18 3HP. Mitsubishi HC Capital UK PLC is authorised and regulated by the Financial Conduct Authority.
If you are struggling with repayments on a Novuna product, contact their customer support team. Free debt advice is available from StepChange, National Debtline, or Citizens Advice, all completely free of charge.
Quick summary
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These are general questions that may be relevant to your situation. They are not personalised advice.
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Main products and services
Personal loans; Retail/point-of-sale finance; Business finance and leasing; Vehicle finance and fleet solutions; Invoice finance
Trading names and group notes
Parent: Mitsubishi HC Capital Inc. (Japan). The company reported profits of £120.6 million with record new business volumes in 2025.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.9
~6,000+ reviews
Other review sources
Feefo reviews; Smart Money People; Fairer Finance listing
Overall public sentiment
Very positive — customers praise simple application, quick decisions and reasonable rates. Some complaints about late payment fees and APR increases above advertised rates.
Check whether repayments fit your budget
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Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.
Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
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