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, 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 AG MEDICAL CORPORATION’s “Medical loan secured by medical fee receivables,” a product that responds to the needs of medical institutions, dispensing pharmacies and nursing business managers.
Channels
Shop Network
AIFUL manages a total of 843 branches nationwide, with 25 manned branches and 818 unmanned
branches (as of September 30, 2023).
AIFUL has commenced sales of AIFUL Group's products designed for corporate customers at
manned branches as a corporate sales structure since April 2019, which facilitates
recruiting LIFE CARD member stores and realizing flexible and speedy sales of the group's
products, such as corporate cards and AG MEDICAL CORPORATION’s “Medical loan secured by
medical fee receivables.” In this way, we are further expanding the businesses.
AIFUL and partnership ATMs
There are 81 AIFUL ATMs, and as many as 101,159 partnership ATMs (as of September 30, 2023).
Temairazu
The AIFUL Group has established these boxes at 853 places nationwide (as of September 30, 2023).
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.
Contact Center
The Contact Center in Kusatsu City, Shiga Prefecture, has established a sales system that
integrates customer service and administrative operations, including reception at Temairazu,
accepting web applications, responding to various inquiries, providing various product
guidance, and providing payment guidance. In addition, we have introduced communication
tools such as CTI, a telecom system that integrates telephones and computers, Chatbot, a
service that allows users to switch from automated chat responses to attended operators, and
Robot Call, a service that links IVR, an automated voice guidance service. We receive
detailed and efficient inquiries from our customers throughout the country.
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 Robot Call 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.
