Lenders with no arrangement fee: Japan 2026 (5)

Lenders with no arrangement fee from our ranking (Japan), in Score order. No arrangement fee in the standard terms. Compare the full cost of the loan: the rate and other charges still matter.

Personal loans in Japan 2026: licensed banks ranked

  1. 1

    SMBC (loans)

    90/100
    Licensed since
    1996
    Licensed by the regulator
    Yes
    Published rate, % of country reference
    47%
    • Long licence history
    • Published rate below the country reference
    • Licence confirmed by the official list or a stated licence number
    • Fees or full loan terms are readable without login
  2. 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
  3. 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
  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. 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