Lending software for Japan
A mature consumer finance market with strict lending caps, eKYC and convenience-store repayments. lendhero arrives with CIC, My Number Card and Zengin already connected, so your team configures products instead of plumbing.
- JPY (¥)
- Japanese, English
- 16 local connectors
- 1–2 weeks to launch
Konnichiwa, Yui
738
Credit score
On-time payments
Market profile
Japan at a glance
What lendhero is set up for in Japan before your team logs in.
Currency
JPY (¥)
Languages
Japanese, English
Supervisor
Financial Services Agency
Credit data
CIC, JICC, KSC
Payout rails
Zengin, PayPay
Data protection
the APPI
- 16
- local connectors wired in before kickoff
- JPY
- for pricing, payouts and repayments
- 1–2
- weeks from kickoff to the first loan
- 2
- interface languages: Japanese, English
Working with borrowers in Japan
Tools for every borrower conversation
Borrowers in Japan apply, sign, pay and come back for repeat loans in Japanese and JPY.
Decisioning
Decisions in seconds,
explained in plain words
Third-party and built-in checks run in one flow, for individuals and businesses. Every approval and decline shows the rules and scores behind it.
- Every check in one passAnti-fraud, identification, credit bureaus, sanctions and digital footprint.
- Rules you can readYour team can answer any borrower about why.
Application #48213
Yui · Consumer loan, 6 months · ¥300,000
- IdentityVerified
- Anti-fraudPassed
- Credit bureau712
- Debt-to-income31%
- Sanctions & watchlistsClear
Local stack
The Japan stack,
connected before kickoff.
Bureaus, identity, bank data, payment rails and messaging that lenders in Japan rely on. Anything missing is added through the open API.
- Credit bureaus & registries3 connectors
- CCIC
- JJICC
- KKSC
- Identity & KYC2 connectors
- MMy Number Card
- eeKYC (TRUSTDOCK)
- Bank & alternative data2 connectors
- BBank APIs
- MMoneytree
- Disbursement rails2 connectors
- ZZengin
- PPayPay
- Repayments & collections2 connectors
- KKouza furikae (direct debit)
- CConvenience store payment
- Messaging3 connectors
- LLINE
- IInfobip
- E-signature2 connectors
- CCloudSign
- DDocuSign
Checks and payments
Who borrows and how money moves in Japan
Applicants are checked with CIC and JICC, and money moves via Zengin and PayPay.
Client checks
Checks connected in Japan:
- Anti-fraud servicesDevice, behaviour and blacklist checksPass
- Identity verificationMy Number Card, eKYC (TRUSTDOCK)Pass
- Credit bureausCIC, JICC, KSCPass
- Government registriesNational ID and tax registriesPass
- Bank and alternative dataBank APIs, MoneytreeReview
- Additional data sourcesTelco, open banking and your own listsAuto
Payment infrastructure
Payment rails connected in Japan:
- Zengin
- PayPay
- Kouza furikae (direct debit)
- Convenience store payment
Loan servicing
Every loan and every repayment on one screen
Edit terms, recalculate interest, apply penalties and follow the full schedule without exporting anything.
- Automatic calculations for every loanInterest, fees and penalties in JPY are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
- Loan products in minutesSet up consumer, instalment and business products with their rules and scenarios in the admin panel, without a release.
- Notifications tied to every calculationEach due date, penalty and recalculation sends the right message to the borrower and your team.
Loan #48213
¥300,000
On track| Date | Amount | Status |
|---|---|---|
| Sep 4 | ¥53,500 | Paid |
| Oct 4 | ¥53,500 | Paid |
| Nov 4 | ¥53,500 | Due in 7 days |
| Dec 4 | ¥53,500 | Upcoming |
| Jan 4 | ¥53,500 | Upcoming |
Loan flow
How a loan runs in Japan. Five steps, all local.
- 01ApplyBorrowers apply on the web, in the app or via LINE, with forms in Japanese and English.
- 02VerifyIdentity and documents are checked through My Number Card and eKYC (TRUSTDOCK).
- 03DecideScorecards pull CIC and JICC data and return a decision in seconds.
- 04DisburseFunds go out via Zengin or PayPay in JPY, straight after signing.
- 05CollectRepayments arrive via Kouza furikae (direct debit) and Convenience store payment, with reminders over LINE.
Portals
One platform, three portals
Everyone works in the same system and sees only what their role allows.
Products
What lenders in Japan launch
on lendhero.
Compliance
Configured for FSA and the APPI.
lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in Japan.
Hosting & data residency
Cloud or on-premise deployment, with data stored where the APPI requires.
Consent & privacy
Borrower consents are captured, versioned and logged under the APPI.
Pricing & disclosures
Rates, fees and cost-of-credit disclosures set per product for FSA rules.
Audit trail
Every decision, edit and message is logged for internal and external audits.
More markets in East Asia
All Asia markets
China
Hong Kong
Taiwan
South KoreaQuestions
Frequently
asked
Didn’t find the answer? Write to us and we’ll reply within one business day.
Can lendhero run a lending business in Japan?+–
Yes. The platform is set up for JPY, Japanese and English and FSA requirements, with 16 local connectors ready on day one.
Which credit data sources are connected in Japan?+–
CIC, JICC, KSC. On top of that, identity checks run through My Number Card and eKYC (TRUSTDOCK) and bank data comes from Bank APIs and Moneytree.
How do borrowers get paid and repay?+–
Payouts go out via Zengin and PayPay in JPY. Repayments arrive via Kouza furikae (direct debit) and Convenience store payment, with reminders over LINE and Infobip.
How long does a launch in Japan take?+–
Usually 1–2 weeks from kickoff to the first loan, including connecting 16 local services, product setup, staff training and a test run.
Can we run several countries on one platform?+–
Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.
Book a demo
Lending in Japan?
Let’s plan the launch.
We’ll walk you through the platform, show what matters for your products and answer questions about your business.
- A 30-minute call
- A walkthrough on your products and markets
- Answers on timeline, integrations and pricing