Updated September 30, 2026 · BorrowCue Editorial Team

Top lines of credit compared in Japan

22 lenders available in Japan, ranked for Japan.

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. How we rank

Top lines of credit compared in Japan
#	Lender	Score	Features	Key facts	Actions
1	Rakuten BankTop pick Super Loan new-enrolment interest rate half campaign: 0.95%-7.25% instead of 1.9%-14.5%	9.3/10		APR: 1.9% to 14.5% Loan amount: ¥100,000 to ¥8,000,000 Credit check: Hard	Review Compare See alternatives
2	Spark	9.3/10	Same day funding	Arrangement fee: 0 Credit check: None Funding time: Instant, on-chain in the borrow transaction	Review Compare See alternatives
3	Bluevine	9.2/10	Same day funding	Loan amount: up to $250,000 Arrangement fee: 0 USD (no maintenance fees) Credit check: Soft prequal	Review Compare See alternatives
4	PayPay Bank Card loan: interest-free period of 30 days at 0% interest: 0% interest for the first 30 days	9.2/10	Fixed rate Same day funding	APR: 0% to 18% Term: 3 to 1,000 months Credit check: Hard	Review Compare See alternatives
5	SMBC card loan Card loan interest 0% campaign for SMBC card customers	9.1/10	Fixed rate	APR: 1.5% to 14.5% Loan amount: ¥100,000 to ¥8,000,000 Term: 480 months	Review Compare See alternatives
6	Rakuten Bank Super Loan	9.1/10		APR: 1.9% to 14.5% Loan amount: ¥100,000 to ¥8,000,000 Term: 12 months	Review Compare See alternatives
7	OnDeck	9.0/10	Fixed rate Same day funding	APR: 53.2% to 59.8% Loan amount: $5,000 to $400,000 Term: 18 to 24 months	Review Compare See alternatives
8	Chartwell	8.9/10	Same day funding	Loan amount: £5,000 to £500,000 Term: 12 to 72 months Arrangement fee: Broker arrangement fee may apply	Review Compare See alternatives
9	Flexible Finance	8.9/10		Arrangement fee: Up to 3% split fee Credit check: Soft prequal Funding time: Rent paid in full on time	Review Compare See alternatives
10	Aave	Not rated		Credit check: None Rate type: Variable Lender type: Direct lender	Review Compare See alternatives

Licensed in Japan

Rakuten Bank: Kanto Local Finance Bureau (deposit-taking institution registration)
PayPay Bank: Kanto Local Finance Bureau (registered financial institution)
Rakuten Bank Super Loan: Kanto Local Finance Bureau

Browse by category

Other countries

Rakuten Bank

Top pick for Japan

9.3/10See alternatives