Loan Business

The AIFUL Group provides unsecured loans and small business loans tailored to the needs of customers by applying the know-how it has developed over the years.

Unsecured Loans

In unsecured loans, the AIFUL Group responds to needs of customers through the “4S” approach, in addition to developing creative products, which is the Group’s strength. The four Ss are “Speed (prompt and convenient),” responding to the urgent needs of customers, “Simple (simple and convenient),” offering simple application procedures and transactions, “Secret (maintaining confidentiality),” observing the privacy of customers, and “Safe (safety and reliability),” providing counseling when customers receive or return loans.

Small business loans

Applying the credit know-how that it has developed over the years, the AIFUL Group responds to the funding needs of individuals and business operators through a diverse range of products, and clear and prompt credit offering. The product lineup includes AIFUL’s “business support plan,” in which either secured or unsecured loans can be extended, and AIFUL BUSINESS FINANCE’s “Ifu Dodo,” a product that responds to the needs of medical institutions, dispensing pharmacies and nursing business managers.


Multi-channel service outlets

Shop Network

AIFUL manages a total of 856 branches nationwide, with 20 manned branches and 836 unmanned branches(As of December 31, 2020).

In April 2019, sales of AIFUL Group corporations’ products designed for corporate customers commenced at manned branches as a corporate sales structure in the group. This was to facilitate the recruiting of LIFECARD member stores and to improve flexible and speedy sales of group products, such as corporate cards and AIFUL BUSINESS FINANCE medical institution loans. In this way, we are further expanding the businesses.

store photo

AIFUL and partnership ATMs

There are 441 AIFUL ATMs, and as many as 84,636 partnership ATMs (as of December 31, 2020).

ATM photo


The AIFUL Group has established these boxes at 865 places nationwide (as of December 31, 2020).

Unmanned contract machine

Smartphone applications

AIFUL renewed its smartphone application in May 2018, as we see it as our important point of contact with customers.

To further increase customer convenience, the application allows complete on-line operation from application to contract, logging-in with biometric authentication for safety, and cardless withdrawal and deposit transactions at Seven Bank and Lawson Bank ATMs throughout Japan, as well as real-time checking of current loan status.

smartphone App

Contact Center

At the Contact Center (Kusatsu, Shiga), the Adeptra system which interlocks CTI (computer-telephony integration), short messages and IVR (interactive voice response) services, is being used for the first time in Japan for “Temairazu” reception, on-line applications, formulating responses to various types of inquiries and guidance with regard to payments. Using the system, we can respond to inquiries and requests from our customers throughout Japan.

In general, IVR is used only to receive telephone calls from customers. At AIFUL, we also use the IVR system and SMS when we contact customers.

Since Adeptra was introduced, we have been able to cut the workforce required for collecting money, while increasing the number of telephone calls we make to our customers. Thus, the efficiency of collection and productivity has increased.

contact center