Instant loan apps in Japan are those types of loans which don’t require too much of the documentation and are approved really quick without any asset showcase. The process is minimal and convenient compared to the traditional bank loans. Instant loan apps in Japan are also termed as personal loan OR quick loan. You can apply for personal loan online without visiting any bank or filling out long forms. It saves the lenders as well as the borrower’s time.
List of Top 15 Instant Loan Apps In Japan 2025
The best short-term instant loans and lending platforms in Japan are Mitsubishi UFJ Financial Group, Japan Post Bank, Mizuho Financial Group, Norinchukin, Resona Holdings, Concordia and Fukuoka Financial Group whose loan tenure range between 62 days to 1.5 year. The loan amount can vary from Jpy100 up to Jpy5,000 and the process is faster compared to the loans offered by banks. Instant online loans can get approved the same day of application with application easily executed at your home or office.
1. Mitsubishi UFJ Financial Group
Founded in 1880, Mitsubishi Group is headquartered in Chiyoda, Tokyo. This financial organization offer Instant loans and employs around 150,000 staff and serves 12 million customers. It operates through its Retail Banking Business Group, Corporate Banking Business Group, Trust Assets Business Group, and Global Business Group segments. It keeps 1,200 locations in approximately 50 countries.
2. Japan Post Bank
Japan Post Bank was created in 2006 and is based in Chiyoda offering instant loans in Tokyo. The bank provides various banking products and services to retail and corporate clients in Japan and other countries. It employs around 13,000 individuals and operates through 234 branches and 23,879 post offices.
3. Mizuho Financial Group
Mizuho Financial Group provides banking and financial instant loan services in Japan, the Americas, Europe, and Asia/Oceania. The bank operates through various business segments, including the Retail and Business Banking Company, Corporate and Institutional Company, Global Corporate Company, Global Markets Company, and Asset Management Company. Headquartered in Chiyoda, Tokyo, the bank’s workforce comprises around 60,000 employees
4. Sumitomo Mitsui Financial Group
Sumitomo Financial Group operates as a cooperative financial institution and providing loans to eligible individuals, Headquartered in Chiyoda, Tokyo, the bank provides banking and financial services through 72 offices in 38 countries. The banking unit is divided into Wholesale, Retail, International, Treasury, Sumitomo Mitsui Finance and Leasing, SMBC Nikko Securities, and consumer finance/ credit cards. It employs around 86,000 workers.
5. Norinchukin
Norinchukin Bank created in 1923 and is headquartered in Chiyoda, Tokyo. They provides banking services, loans, as well as financial support to Japan’s fisheries, forestry, and agricultural industries. It manages branches in New York, London, and Singapore and keeps representative offices in Beijing and Hong Kong
6. Resona Holdings
Headquartered in Chiyoda, Tokyo, Resona Holdings was founded in 1918. The company employs around 20,000 individuals. Resona Holdings operates in three business segments: Individual, Corporate, and Market. The Individual segment focuses on providing consulting services related to personal loans, asset management, and asset succession.
7. Concordia
Concordia Financial Group is the largest of the regional financial institutions in Japan offerin loans. Headquartered in Tokyo, the bank employs around 6,000 staff. It was created through the merger of Bank of Yokohama and Higashi-Nippon Bank.
8. Fukuoka Financial Group
Fukuoka Financial Group was founded in 1877 and is headquartered in Fukuoka. The Financial organization employs around 8,000 individuals. It operates through its Banking and Other businesses.
The Banking segment provides banking services such as deposits, loans, and foreign exchange. The Others segment works in the guarantee business, revitalization support business, loan management business, and collection business.
9. Chiba
Chiba is headquartered in Chiba. The company provides banking products and loan services in Japan and abroad. It employs around 4,300 staff.
As of March 31, 2020, it operated approximately 183 offices, including 159 branches, 21 sub-branches, and 3 virtual branches; 47,346 off-branch ATM locations; three money exchange counters; three branches in New York, Hong Kong, and London; and three representative offices in Shanghai, Singapore, and Bangkok.
10. Hokuhoku Financial Group
Hokuhoku Financial Group was established in 2003 and is headquartered in Toyama. The bank employs around 5,100 staff. It operates through the following segments: Hokuriku Bank, Hokkaido Bank, and Others. Both the Hokuriku Bank and Hokkaido Bank segments offer financial services through banking operations. The Others segment handles leasing and credit card business. It also manages non-bank subsidiaries.
11. MUFG
MUFG is Japan’s largest Financial organization and a global financial institution offering loans to eligible candidates. English-speaking staff may be at your assistance, but don’t forget that hanko. Yet, it is still popular with a lot of international residents as many everyday services like withdrawals and in-bank transfers are free.
12. Shinsei Bank
Shinsei had long been every foreigner in Japan’s favorite bank. Recently it’s been knocked off its pedestal as it, along with many other banks in Japan, now requires that clients live in Japan for at least 6 months to open an account, in line with regulatory changes. If you can hold out that long, the pros include being able to open an account with your signature (not a hanko) as well as telephone and online banking in English and Japanese.
13. SMBC Prestia
SMBC Prestiais a financial institution with Japanese and English loan services. You won’t need a hanko to open an account when applying for a loan, your signature will do. The biggest relief is probably that telephone and online banking is in English. They also offer the option of a savings account with a separate foreign currency account.
14. Sony Bank
Sony Bank is a Japanese commercial bank established in April 2001. It operates as a direct bank and has no physical branches or ATMs. It is one of the largest online banks in Japan and a subsidiary of Sony Financial Holdings, the financial business unit of the multinational conglomerate.
15. Aichi
Aichi is listed on the Tokyo and Nagoya Stock Exchanges. It operates through over 100 branches and employs approximately 1,600 people. They offer financial services, loans, insurance etc.
Is It Easy To Get A Loan In Japan?
As mentioned above, most banks require foreigners to have permanent residency in Japan for applying a home mortgage loan, but more and more financial institutions are becoming more flexible than before in dealing with borrowing conditions without permanent resident status, such as living in Japan as a Japanese spouse.
Can Foreigners Take Out Loans In Japan?
Most banks require foreigners to have permanent residency in Japan before applying for a property loan. However, more and more financial institutions are becoming increasingly flexible with regard to lending even when it is to people without permanent resident status.
What Is The Best Way To Get Instant Loan?
You can directly contact a bank/financial institution through its website and check your personal loan eligibility, interest rate, and EMI payable, after which you will be able to apply for the loan online. Once the loan application is approved, the amount will be disbursed to your bank account immediately.
Can I Borrow Money From A Japanese Bank?
Japanese banks are very careful about lending money. They usually insist on knowing the purpose of the loan and refusing if the money is being taken out of the country. Banks only lend at 0.5% for items like house building, reformation or purchases.
How Much Can You Borrow In Japan?
As a rule of thumb, Japanese banks will allow you to borrow around eight times your annual income. No more than 25% of your monthly gross income should be expended on mortgage repayments. For example, if your mortgage is JPY 125,000 per month, your income will need to be at least JPY 500,000.30.
Conclusion
Almost everyone is eligible to apply for a personal and instant loan in Japan without any guarantor or with bad credit history. You have to be a resident of Japan and a salaried employee of a registered company. Your age should be between 23 years old to 58 years old to apply for a personal loan.
