Maruhan Japan Bank Lao review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Maruhan Japan Bank Lao is a direct lender for borrowers permanently resident in Laos who want small personal loans with same-day funding. Its payroll personal loan tops out at $2,000 over 36, and the origination fee on personal loans is 0 LAK.

Key facts

Best for
A small personal loan in Laos for a permanently resident borrower who needs money the same day.
Loan amount
$2,000 (Source, checked September 26, 2026)
Term
36 months (Source, checked September 26, 2026)
Arrangement fee
0 LAK (Source, checked September 26, 2026)
Funding time
Same day (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Age 18-60, permanently residing in Laos, employed with regular income or business owner with stable income (Source, checked September 26, 2026)
Loan types
Personal, Car, Secured, Business (Source, checked September 26, 2026)
Legal entity
MARUHAN Japan Bank Lao Co., Ltd. (Source, checked September 26, 2026)
Headquarters
Laos (Source, checked September 26, 2026)
Founded
2013 (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)
Features
Same-day funding
Official website
maruhanjapanbanklao.com

Mortgages

Fixed period
2 to 20 years (Source, checked September 26, 2026)
Maximum loan to value
70% (Source, checked September 26, 2026)
Product fee
from LAK 2,000,000 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
MARUHAN Japan Bank Lao Co., Ltd. (Source, checked September 26, 2026)
Headquarters
Laos (Source, checked September 26, 2026)
Founded
2013 (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInfacebook.com

Pros and cons

Pros

  • Personal loans carry an origination fee of 0 LAK.
  • Funding on personal loans is Same day, useful for an urgent bill.
  • Regulated in Laos by the Bank of the Lao PDR.
  • Housing lending is available for purchase and remortgage with terms of 2 to 20 years.

Cons

  • Interest is priced as variable, so the rate quoted at application can move before you finish repaying.
  • Remortgage products carry a fee that runs from LAK 2,000,000, while personal loan origination costs 0 LAK.
  • Support runs on phone and email only, with no branch or live chat listed.
Maruhan Japan Bank Lao

Ready to try Maruhan Japan Bank Lao?

Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Borrowers permanently resident in Laos with regular income from employment, or business owners with stable income, who meet the bank's eligibility test.
  • Salaried staff after a payroll personal loan of $2,000 repaid over 36.
  • Homebuyers and remortgagers in Laos who can meet a 70% loan to value requirement.

Who should look elsewhere

  • Monzo Flex, whose facilities run £10,000 to £35,000, if a personal loan capped at $2,000 is too small.
  • Cashspace ES, which lends €100 to €5,000, if a euro loan suits you better than borrowing in Laos.
  • Cashspace, with amounts of PHP 500 to PHP 25,000, if you need peso borrowing rather than a Laos loan.

How Maruhan Japan Bank Lao compares

Where Maruhan Japan Bank Lao is available

Available
Laos
Licence in Laos
Bank of the Lao PDR (BOL), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What fees apply to a Maruhan Japan Bank Lao loan?+

Personal loans carry an origination fee of 0 LAK, so there is nothing to pay for setting the loan up. Remortgage products are different: the product fee runs from LAK 2,000,000. Interest is priced as variable, which means the rate quoted at application is not fixed for the life of the loan.

How fast is the money?+

Personal loans are funded Same day, which matters if you are paying an urgent bill. The payroll personal loan runs over 36 and caps at $2,000, so it is a short, small facility rather than a long repayment. Housing and remortgage lending follows its own timetable.

Who can borrow from it?+

You need to be an adult who permanently resides in Laos, and either work with a regular income or run a business with a stable income. That eligibility test runs across the range of products, which cover purchase and remortgage alongside personal, car, secured and business lending.

What kinds of loan are on offer?+

The book covers personal, car and secured, so the same bank can handle an unsecured personal loan, a car loan, a loan secured on an asset and a business facility. Housing and remortgage lending sits alongside those, with a 70% loan to value ceiling on property borrowing.

Is the bank properly regulated?+

Loans come from MARUHAN Japan Bank Lao Co., Ltd., the entity the Bank of the Lao PDR supervises in Laos. The bank has operated since 2013 and lends from its own balance sheet rather than brokering to other providers, so your contract sits with one named lender.

How do I get hold of them?+

Contact runs on phone and email, so a phone call or an email is the route in. There is no branch network or live chat listed, so for anything urgent the phone line is the faster option. Either way you are dealing with the bank itself, not a broker.

How much can I borrow against my home?+

Property lending is capped at a 70% loan to value, so a deposit is needed for the balance. Terms on housing loans run 2 to 20 years, which is longer than a personal repayment, and variable pricing means the rate can move over that period. A remortgage product fee runs from LAK 2,000,000.

How does it compare with the other lenders here?+

The payroll personal loan tops out at $2,000, so it is a smaller facility than the alternatives listed. Cashspace works in pesos with amounts of PHP 500 to PHP 25,000, Cashspace ES in euros with €100 to €5,000, and Monzo Flex in sterling with £10,000 to £35,000.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Credit check, Representative example.

Maruhan Japan Bank Lao

Maruhan Japan Bank Lao

A small personal loan in Laos for a permanently resident borrower who needs money the same day.

9.0/10See alternatives

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