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1 those without permanent residency can use
If you have a Status of residence that allows Status of residenceto work and has a stable income, you can apply even if you do not have permanent residency.
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2 cars as well as
For the cost of getting a motorcycle and license!It can be used for a variety of purposes, including not only cars, but also motorcycles, licenses, vehicle inspection fees, etc. *It cannot be used for business vehicle purchase funds or private sales.
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3 Complete online from application to contract!
You don't have to come to the store!From application to contract, everything can be completed online. There is no need to visit a branch, so you can apply from anywhere in the country.
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4 is no need to open a SURUGA Bank account.
Repayments can be made at our nearby ATMs or convenience store ATMs throughout Japan. You do not need to open an account with us.
Borrowing exampleBorrowing case
Funds for purchasing a car or motorcycle, expenses for acquiring a driver's license,
It can be used for vehicle repair costs, vehicle inspection costs, car supplies purchase funds, etc.
- *This cannot be used to purchase vehicles for business use or for private purchases.
- *The following is an example and may differ from the actual screening results.
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- the purpose
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buy used car
- Borrowing amount
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1 million yen
- annual interest
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6 %
- monthly repayment amount
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20,000 yen
- Number of repayments
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58 times (4 years 10 months)
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- the purpose
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buy a bike
- Borrowing amount
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400,000 yen
- annual interest
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12 %
- monthly repayment amount
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14,000 yen
- Number of repayments
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34 times (2 years 10 months)
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- the purpose
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get a driver's license
- Borrowing amount
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300,000 yen
- annual interest
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9 %
- monthly repayment amount
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10,000 yen
- Number of repayments
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35 times (2 years and 11 months)
Supporting car life that spreads life!
Flow from application to financingFlow from application to loan
Please fill out the application online and
Just upload the required documents.
All procedures are completed online.
No need to visit us.
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- Application
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Please enter the required information in the application form from your smartphone or computer.
For customers who have completed their online application, a representative from our company will contact you at a later date using the email address or phone number you provided.
We will guide you through the documents necessary for the provisional examination procedure, such as residence cards and identity verification documents. After confirming that all required documents are complete, a preliminary examination will be conducted.
If there are any omissions, deficiencies, or unclear submissions, we will contact you, so please respond promptly. - Notification of provisional examination results
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We will notify you of the preliminary screening results by email, and if the preliminary screening results are approved, we will call you to confirm your intention to apply.
Please enter the transfer account number from the URL of the email and upload the necessary documents such as confirmation of the use of funds and submit.
The main examination will be conducted based on the submitted documents. (*We may not be able to meet your request as a result of the screening.)About enrollment confirmation
If we confirm your intention to apply, we will call your workplace at a later date to confirm your employment status.
Please note that if we cannot confirm your enrollment, your application may be withdrawn. - Confirm contract details
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If the results of this review are approved, our representative will call you to inform you of the results of this review and confirm your intention to enter into a contract.
After confirming your intention to sign the contract, we will contact you via email with the details of the contract. You can print and save the contract details. - Mailing of repayment card
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After the contract is completed and the loan money is transferred to the account specified by the customer, a repayment card will be mailed to your home.
*Please note that if you specify your workplace as the card delivery address, a document based on the Act on Prevention of Transfer of Criminal Proceeds will be sent to your home separately at the time of signing the contract.
Monthly repayment method (regular repayment)Repayment method
The repayment date is the 1st of every month. From your local SURUGA Bank or convenience store ATM,
Please make the repayment between the 20th of the previous month and the repayment date.
- ・Repayments will be made at the predetermined regular repayment amount between the 20th of each month and the 1st of the following month (or the next business day if the bank is closed).
- ・If you make a repayment outside the regular repayment period (2nd to 19th), it will be treated as a repayment at any time and a separate regular repayment will be required.
How to repay using a dedicated loan card
During the regular repayment period, you can make repayments at SURUGA Bank ATMs as well as affiliated ATMs nationwide such as Seven Bank and Japan Post Bank. Also, there are no ATM fees.
Insert your card into the ATM in the direction shown in ① and deposit the repayment amount.
- Months when you have enough money -
You can reduce your loan balance by making “as-needed repayments” in addition to “regular repayments”. *Repayments can be made at any time from 1 yen or more, but repayments at ATMs that do not accept coins are in units of 1,000 yen.
- (1) When repaying at any time other than the regular repayment period
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Repay a pre-determined regular repayment amount during the regular repayment period .
Repayments made between the 2nd and 19th will be repaid at any time , so regular repayments are required after the 20th.
- (2) When repaying at any time during the regular repayment period
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If you wish to make repayments on the same day during the regular repayment period , you will need to complete the procedure twice .
Please make your repayments in the following order: first the regular repayment amount, then the occasional repayment (you can repay as much as you like).
Regular repayments will be required the following month.
- Available ATMs
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Even if you don't have a SURUGA Bank branch or ATM nearby, you can make a repayment at your local Japan Post Bank or convenience store ATM.
You can shorten the number of repayments by making early repayments in months when your wallet allows. (Always free)
FAQFAQ
Frequently asked questions about foreigner support plan
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- Can I apply even if I have a Status of residence without permanent residency?
- If you Status of residence that allows you to work, you can apply. For more information, click here .
- There is no SURUGA Bank nearby, can I still apply?
- Applications are accepted online, so you can apply from anywhere in Japan. In addition, you can also repay from nearby convenience store ATMs and Japan Post Bank ATMs.
- Do you ever call home or work?
- We may call you to your home or work phone number. When contacting us, we will confirm in advance whether you would like us to contact you using the name of the person in charge of our company or the name of our company.
- I do not live in Japan, can I apply?
- Only those who live in Japan.
- I do not have a SURUGA Bank account, can I still apply?
- Is possible. You can apply even if you don't have a regular savings account with us.
- I am not a full-time employee, but can I still apply?
- If you have a stable income, you can apply even if you have been employed (business) for less than 1 year, or if you are a part-time worker.
- What documents are required for application?
- You will need a copy of your residence card and identification documents (driver's license or health insurance card), as well as documents that show the purchase price and How to use(quotation, etc.). In addition, we may ask you to submit additional documents.
- I don't have a mobile phone. Can I still apply?
- If you do not have a mobile phone that can make calls, you cannot apply.
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- Please tell me more about the repayment method.
- A special card will be issued, so please repay the pre-determined amount from the ATM between the 20th of each month and the 1st of the following month. Please press the "Repayment" button on the ATM and deposit the specified amount.
- I paid it back from the 20th to before the 1st of the next month (2nd to 19th).
- If you make a payment between the 2nd and 19th, you will need to make another payment after the 20th. (If repayment is made between the 2nd and 19th, it will be repaid at any time.)
- What kind of ATMs are available? There is no SURUGA Bank ATM nearby.
- In addition to SURUGA Bank ATMs, you can also make payments from nearby convenience store ATMs (Seven Bank, E-net, Aeon Bank) and Japan Post Bank ATMs. Please press the "Refund" button to make a refund.
- [ATMs that can be used]
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- When I tried to pay with an ATM, I got an error and could not pay. why?
- First of all, you need to repay the fixed repayment amount every month. If you have enough money, please repay by pressing the "Repayment" button again after repaying the monthly repayment amount.
- I am using a loan, but I have to return to my home country in a hurry. What should I do with the rest of the loan?
- The remaining amount must be paid by the time you return to your home country. For details, call (Access Center
0120-562-911) for consultation. - When I tried to make the final payment, an error occurred at the ATM and I was unable to make the payment.
- It is necessary to make repayments so that the balance after repayment is less than 1,000 yen. An error will occur if you deposit an amount that exceeds the balance of the final payment at an ATM.
- Example: If the balance before the final repayment was 5,600 yen * :
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- Deposit of 6,000 yen → Error
- Deposit 5,000 yen → OK
(600 yen remains, but no repayment is required)
*Actually, you will need to repay the amount including interest, so inquiry the Access Center (0120-562-911) for the final repayment amount.
- Can I repay more than the monthly repayment amount?
- You can repay more than the monthly repayment amount at any time during the month when you have enough money in your wallet. The amount you can pay at one time will differ depending on whether you repay at any time outside the regular repayment period or when you repay at any time during the regular repayment period.
Product SummaryProduct summary
| Product name | Support plan for foreigners Loan by purpose <card type> |
|---|---|
| Those who can apply | Individual foreign nationals who meet all of the following conditions:
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| How to use | Auto-related (car/motorcycle purchase funds or other company auto loan refinancing funds already in use) (Driver's license acquisition costs, vehicle repair costs, vehicle inspection costs, auto-related funds such as funds for purchasing car goods)
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| Usage limit | 100,000 yen to 3,000,000 yen (10,000 yen unit)
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| repayment period | up to 10 years
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| Interest rate | Annual interest rate: 6.0%, 9.0%, or 12.0% (Determined by screening. Depending on How to use, the interest rate shown may not apply.) |
| delay damages | 19.5% annual interest rate |
| Guarantee company | Direct One Co., Ltd. * No guarantee fee is required. |
| Repayment method | Repayment by Dedicated Loan Card Deposit
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| Due date for each payment | The 1st of each month (or the next business day if it falls on a bank holiday) *Please repay within the period from the 20th to the 1st of the following month. |
| others |
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As of August 20, 2024
- Foreign Residents Support Plan Purpose-Specific Loan <Card Type> Product Summary Manual (DirectOne warranty)
- Contract provisions/guarantee terms and conditions (DirectOne warranty/Sumitomo Mitsui Card Guarantee)
- Agreement regarding the use of personal information (DirectOne warranty/Sumitomo Mitsui Card Guarantee)
- Matters to be agreed to regarding the foreigner support plan contract
- inquiry regarding auto loans (foreigner support plan)
- SURUGA Bank Access Center
0120-562-911 - Telephone reception hours: Monday to Friday (excluding holidays)
9:00-18:00
inquiry by phone