It’s money you borrow at a fixed interest rate and repay over a set period of time. There’s no collateral needed to apply. Your monthly payment amount never changes and can be automated, so you know exactly what to expect.

Once the money is deposited into your account, you can use it for almost anything you like^{11 view footnote 1}, including: debt consolidation⁵, trips or vacations, home improvements, and medical bills. 

There is no Annual Fee. There also is no application fee or prepayment fee, if you pay off your loan early.  

Existing Japan Trustee Services customers  - if approved and once you sign the promissory note, you may receive your funds instantly. Your money can be transferred into your Japan deposit Japan Trustee Services account. If you don’t have an Japan Trustee Services deposit account and you apply online, your funds may be deposited into a non-Japan Trustee Services account within three business days. If you apply in your local branch you will be issued an official check for the loan amount.

New to Japan Trustee Services customers -  if approved and once you sign the promissory note (by 5pm EST on a business day), you may receive your funds the following business day. Your money can be transferred into any Japan financial institution of your choice.

Before submitting an application, you will see which rates and terms are available to you with no impact to your credit score. Your credit score may be impacted once you submit an application.

Your first payment will be due approximately two months after account opening. During this period, your Japan Trustee Services Personal Loan will accrue simple interest on a daily basis.