The players in the Japanese unsecured consumer loan market can be broadly classified into three categories: financial institutions, credit card companies, and consumer finance companies, including our own.

The market size significantly contracted due to the increase in interest repayment claims following the 2006 Supreme Court ruling, as well as the introduction of restrictions on total lending limits under the amended Money Lending Business Act. As a result, the unsecured consumer loan market, which was approximately 17 trillion yen in March 2007, shrank to 8.7 trillion yen by March 2013.

Since 2014, the market has been recovering due to improved economic conditions in Japan and aggressive advertising by bank card loans and consumer finance companies. Although the market experienced a temporary decline in 2021 due to the impact of COVID-19, it is currently recovering again, particularly led by the consumer finance industry, and moderate growth is expected to continue in the future.

Source: Consumer finance and Credit card companies: Statistic by the Japan Financial Services Association. Financial institutions: Statistic by The Bank of Japan. (Consumer loan outstanding at domestic banks and credit unions)

The structure of Unsecured Consumer Loans
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