Lenders with free early repayment: Japan 2026 (6)

Lenders with free early repayment from our ranking (Japan), in Score order. Their terms state that early repayment is free. Check how to notify the lender and how the remaining amount is calculated.

Personal loans in Japan 2026: licensed banks ranked

  1. 2

    MUFG Bank (loans)

    89/100
    Licensed since
    1919
    Licensed by the regulator
    Yes
    Published rate, % of country reference
    100%
    • Long licence history
    • Licence confirmed by the official list or a stated licence number
    • Fees or full loan terms are readable without login
    • Publishes how to complain
  2. 3

    Tokyo Star Bank (loans)

    88/100
    Licensed since
    2001
    Licensed by the regulator
    Yes
    Published rate, % of country reference
    100%
    • Long licence history
    • Licence confirmed by the official list or a stated licence number
    • Fees or full loan terms are readable without login
    • Publishes how to complain
  3. 4

    Chiba Bank (loans)

    85/100
    Licensed since
    1943
    Licensed by the regulator
    Yes
    Published rate, % of country reference
    101%
    • Long licence history
    • Licence confirmed by the official list or a stated licence number
    • Fees or full loan terms are readable without login
    • Publishes how to complain
  4. 5

    PayPay Bank (loans)

    84/100
    Licensed since
    2000
    Licensed by the regulator
    Yes
    Published rate, % of country reference
    123%
    • Long licence history
    • Licence confirmed by the official list or a stated licence number
    • Fees or full loan terms are readable without login
    • Publishes how to complain
  5. 8

    docomo SMTB Net Bank (loans)

    66/100
    Licensed since
    2007
    Licensed by the regulator
    Yes
    Published rate, % of country reference
    91%
    • Licence confirmed by the official list or a stated licence number
    • Fees or full loan terms are readable without login
    • Terms state that early repayment is free
    • New customers can apply online
  6. 9

    au Jibun Bank (loans)

    66/100
    Licensed since
    2008
    Licensed by the regulator
    Yes
    Published rate, % of country reference
    122%
    • Licence confirmed by the official list or a stated licence number
    • Fees or full loan terms are readable without login
    • No arrangement fee in the standard terms
    • Terms state that early repayment is free