Updated September 29, 2026 · BorrowCue Editorial Team

Top debt consolidation loans compared in Japan

8 lenders available in Japan, ranked for Japan.

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Top debt consolidation loans compared in Japan
#	Lender	Score	Key facts	Actions
1	OneMain FinancialTop pick	9.3/10	APR: 11.99% to 35.99% Loan amount: $1,500 to $30,000 Term: 24 to 60 months	Review Compare See alternatives
2	LendingPoint	9.1/10	APR: 7.99% to 35.99% Loan amount: $1,000 to $36,500 Term: 24 to 72 months	Review Compare See alternatives
3	MyUSAFinance	8.4/10	APR: 5.99% to 35.99% Term: 0.5 to 84 months Arrangement fee: 8% of loan amount ($400 on $5,000)	Review Compare See alternatives
4	Aiful Max 30 days interest-free (0 yen interest) for first-time Aiful users: Interest 0 yen for up to 30 days	Not rated	Funding time: As fast as 9 minutes; bank transfer 24 hours a day, 365 days a year Lender type: Direct lender Free early repayment: Yes	Review Compare See alternatives
5	LendingTree	Not rated	Lender type: Marketplace Loan types: Personal, Debt-consolidation, Student, and 1 more Legal entity: LendingTree, Inc.	Review Compare See alternatives
6	National Bank of Vanuatu	Not rated	Lender type: Direct lender Loan types: Personal, Debt-consolidation, Secured, and 1 more Use cases: Home-improvement	Review Compare See alternatives
7	VTB digital banking	Not rated	Loan types: Personal, Debt-consolidation, Credit-line, and 2 more Legal entity: VTB Bank (PJSC) Headquarters: Russia	Review Compare See alternatives
8	Banca Intesa Srbija	Not rated	Lender type: Direct lender Loan types: Personal, Car, Debt-consolidation Headquarters: Serbia	Review Compare See alternatives

Licensed in Japan

Aiful: Kinki Local Finance Bureau (Director) 近畿財務局長
Aiful: Japan Consumer Credit Association 日本貸金業協会

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Other countries

OneMain Financial

Top pick for Japan

9.3/10See alternatives