Updated October 9, 2026 · BorrowCue Editorial Team

Top lenders in Japan compared

695 lenders available in Japan, ranked for Japan.

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Top lenders in Japan compared
#	Lender	Score	Features	Key facts	Actions
1	8lendsTop pick 8lends is an online lending service at app.8lends.io offering personal loans.	Not rated			Review Compare Visit
2	Alt Lending	9.4/10	Fixed rate	APR: 3% Arrangement fee: 0 Credit check: Soft prequal	Review Compare See alternatives
3	Rakuten Bank 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
4	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
5	OneMain Financial	9.3/10	Fixed rate Same day funding	APR: 11.99% to 35.99% Loan amount: $1,500 to $30,000 Term: 24 to 60 months	Review Compare See alternatives
6	Upstart Mortgage Home Equity Line of Credit	9.3/10		Initial rate: 6.52% to 18% APRC: 6.52% to 18% Product fee: $0	Review Compare See alternatives
7	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
8	Klarna 30% off Klarna Premium or Max for 3 months: 30% off for 3 months	9.2/10		APR: 0% to 35.99% Term: 3 to 24 months Credit check: Soft prequal	Review Compare See alternatives
9	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
10	NLB Banka Kosova NLB Depozita me afat: Bonus up to 200 EUR	9.2/10	Fixed rate	APR: 7.47% to 8.01% Loan amount: up to €35,000 Term: 120 months	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
ARUHI: Kanto Local Finance Bureau (関東財務局長)
Aiful: Kinki Local Finance Bureau (Director) 近畿財務局長
Aiful: Japan Consumer Credit Association 日本貸金業協会
Mogecheck: Governor of Tokyo (money lender business registration)

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8lends

Top pick for Japan