Expat Japan Guide

Personal Loans in Japan for Foreigners: What You Need to Know

Getting a personal loan in Japan as a foreigner is harder than for Japanese nationals, but it’s not impossible. Stable income, a solid credit history in Japan, and the right lender make the difference. Here’s what you need to know. Types of Personal Loans in Japan 1. Card Loans (カードローン) The most accessible option for foreigners. A card loan is a revolving credit line attached to a card — borrow up to your limit, repay flexibly, borrow again. ...

May 2, 2025 · 3 min · Expat Japan Team