Credit Business
Our credit business supports consumers in various aspects of living.
We contribute to the realization of a future inspired by dreams by providing member store with Various payment methods tailored to consumer lifestyles while building strong partnerships with member stores.
In recent years, we have augmented our capabilities in such areas as automobiles, home renovation, solar systems, medical, and education. We have also been cultivating businesses that tap new fields by deepening partnerships with member stores in various areas.
Offering an array of payment plans for new and used vehicle purchasesAuto loans
These are alliance-based vehicle purchase loans for which customers and JACCS conclude contracts through member stores. We offer a wide selection of payment plans, accommodating an array of customer needs, including for those making their first purchases or buying replacement vehicles.
*Auto leases are also available.
Initiatives in imported-vehicle market
We have concluded captive finance agreements with numerous vehicle importers, and offer a variety of sales support measures for vehicle importers, dealers, and customers. We respond to the diverse needs of our customers.
Leveraging strategic products to reinforce partnerships
Member stores and customers can conclude agreements without stress by using WeBBy Auto, our online auto loan application system. WeBBy Auto was the first complete paperless scheme in Japan's shopping credit industry. This strategic product reduces the risk of personal data leakage and other risks while enhancing JACCS's sales and screening efficiency. By providing a tool to close deals without stress, we will further reinforce our connections with member stores.
Expanding transaction volumes by drawing on Group synergiesLease guarantees
We provide guarantee services for auto leases handled by JACCS Lease Co., Ltd. (JACCS Group company) and automobile leasing companies. Demand for auto leasing is increasing, mainly among individual customers, and we are expanding our business partners.
Providing optimal solutions to help expand housing-related marketsHome renovation loans
These loans cover the expenses of renovations and installations of solar power systems and other eco equipment. With demand for zero energy homes expected to expand, we aim to help revitalize and expand housing-related markets and provide member stores with low-interest products, online screening systems, and other tools to help materialize an affluent society.
Initiatives in eco equipment
We were the first in Japan's shopping credit industry to cater to demand for renewable energy through a range of financing products. Our offerings have included solar power system loans, all electric home system loans, and storage battery loans. We will strengthen efforts to provide financing for eco equipment by launching wind power system loans. JACCS will continue to strengthen its efforts to realize a decarbonized society, including responding to V2H.
Leveraging strategic products to reinforce partnerships
We offer the Web Entry System, which enables customers to apply for provisional screenings in advance. This system has proven extremely popular in enabling member stores to negotiate deals and enhance contract rates.