YOLO Personal Loan Support

Don't let "hesitation" hold back your future.

A bank loan service exclusively for foreigners living in Japan.

STORY

Turn your "someday" into "reality" now.
A loan service exclusively for foreigners living in Japan.

How many years have you been in Japan? Work, friends, and precious family. You have continued to make efforts to build a foundation for your life in this country and live a fulfilling life every day. But do you sometimes hit a wall like this?

"If I had a little more money for my child's education expenses, I could give them better options..."
"I want to replace my old car, but I'm hesitating because of the sudden expense..."
"Getting a loan at a Japanese bank seems complicated, and I'm worried about the screening because I'm a foreigner..."

We provide a loan service designed to support foreigners living in Japan so that you can respond to your dreams and goals in Japan and urgent expenses. We strongly support your "desire to take a step forward".

What is YOLO Personal Loan Support?

It is a bank loan service available to foreign residents. You can receive a preliminary screening and proposal online.

Exclusive for Foreign Residents

No need to prepare complicated documents or seals (hanko). This is a special application window designed for foreigners living in Japan.

Free Loan, Use for Any Purpose

OK if the payee is decided! Widely compatible with motorcycles, cars, school tuition, qualification acquisition, etc.

Application Complete with Smartphone Only

You can easily apply from various terminals such as computers, smartphones, and tablets 24 hours a day.

Preliminary Screening in 3 Minutes

If you apply by 16:00, you can get an answer as soon as the same day. Speedy response within the next business day at the latest.

Why haven't loans worked out before?

Japanese loan contracts have many complicated technical terms, and if your Japanese ability is not sufficient, it is difficult to understand the contract details accurately. If your residence history in Japan is short, sufficient information has not been accumulated in the credit information agency, making it difficult to judge creditworthiness. Especially when credit information in your home country cannot be referenced in Japan, financial institutions are concerned about risks and conduct screening carefully.

Against this background, the revitalization of loans for foreign residents has not progressed for decades. In order to solve these problems/issues, YOLO JAPAN has come to introduce bank loans for foreigners together with financial institutions, guarantee companies, and platform services that agreed with us.

Only Residence Card Required

When applying, there is no need to fill out many application forms or prepare a seal (hanko). Online application allows you to apply 24 hours a day. All you need to prepare is your "Residence Card".

Member Registration

(YOLO JAPAN)

Residence Card Registration

(YOLO JAPAN)

Screening Application

(Crowdloan)

Screening

(Orico)

Formal Application

(Bank)

Screening

(Bank)

Loan

(Bank)

※ Special Permanent Residents can also respond by submitting a "Special Permanent Resident Certificate".

Schedule until Loan

If you apply by 16:00 on weekdays, it is possible to receive a preliminary screening answer from the guarantee company as soon as the same day to the next business day. Screening by financial institutions takes about 1 to 2 weeks after you make a formal application to the proposed bank.

Reliable Bank Loan

This service is a bank loan designed for YOLO JAPAN members. Crowdloan, which introduces banks online, provides a service that simplifies complicated procedures by introducing Orient Corporation, a guarantee company, and banks, which are lenders.

Crowdloan Inc.

Address: 8-1-2 Nishi-Shinjuku, Shinjuku-ku, Tokyo PMO Nishi-Shinjuku 6F

https://corp.crowdloan.jp/

Overview

Display based on the Money Lending Business Act

Target: ・"Permanent Resident" or "Special Permanent Resident" who can work ・18 years of age or older
Target Product: ・Free Loan (Free use of funds)
Loan Amount: ・100,000 yen to 10 million yen
Loan (Repayment) Period: ・6 months to 10 years (varies depending on the period of stay)
Annual Interest Rate: ・2.1%~ (including guarantee fee)
Collateral / Guarantor: ・Not Required

※ Reference conditions as of December 2025. May vary depending on the financial institution. ※ As a result of the screening, we may not be able to meet your request. ※ There is a screening for borrowing, and it is necessary to meet conditions such as annual income. ※ Please use systematically.

Screening execution of the loan is carried out by the guarantee company and bank affiliated with Crowdloan. YOLO JAPAN is not the contracting entity for the loan.

YOLO JAPAN's Mission

By supporting economic independence and stability for foreigners living in Japan and solving issues between finance (and various institutions) and foreign residents, we contribute to the stabilization of society as a whole and the improvement of the QOL of each foreign resident.

FAQ

I have never borrowed money in Japan. Can a foreigner really pass the screening?

Yes, you can use it. This service is a loan service specially designed by Japanese banks and credit guarantee companies according to the situation of foreign residents. Even if your residence history in Japan is short or you have little credit information (Super White), you can apply.

Which company provides the loan? Does YOLO JAPAN lend money?

The loan is executed by a financial institution (bank). YOLO JAPAN is an initiative to guide Crowdloan, which introduces customers to banks and guarantee companies. Screening is conducted by each financial institution and Orient Corporation to make a loan decision.

How long does it take from application to loan?

Screening and answers are possible as soon as the same day. If you apply by 16:00 on weekdays, we will screen and answer as soon as the same day. The loan will be completed in about 1 to 2 weeks at the shortest from the formal application to the bank.

What documents are required for application? I'm worried about the procedure because I'm not good at Japanese.

All you need to prepare is your "Residence Card". Since the application is completed online 24 hours a day, there is no need to fill out complicated documents, prepare a seal (hanko), or visit a bank counter.

What purposes can the loan be used for?

If the usage is clear, it can be used in various scenes (Free Loan). It widely supports purchase of motorcycles and cars, education loans such as qualification acquisition and school tuition, medical expenses such as surgery and hospitalization, purchase of furniture and home appliances, travel and leisure, etc.

How can I receive the loaned money?

The loan money will be remitted to the bank account of the usage destination in the name of the user.

Is a Japanese guarantor required?

A guarantor is not required.

Contact

Crowdloan Inc.

https://corp.crowdloan.jp/contact/#form