JACCS Shopping Loan Information
By simply completing a simple procedure online when purchasing a product, you can pay in installments without using a credit card.
Shopping loan fee
1. Interest-free payment (up to 3 installments)
| Number of payments | 1 time | 3 times |
|---|---|---|
| Commission Rate | 0% | 0% |
If you choose interest-free payment,
Skip payment and bonus only payment cannot be selected.
*If you would like to pay interest-free, please enter "interest-free" in the message to the shop.
If no request is made, the regular interest rate will be applied.
2. Regular installment payments (up to 120 installments)
| Number of payments | 3 times | 6 times | 10 times | 12 times | 15 times | 18 times | 20 times | 24 times | 30 times | 36 times | 42 times | 48 times | 54 times | 60 times | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ① | Credit card installment payment [Reference] | Fee amount* | 2.04 | 4.08 | 6.80 | 8.16 | 6.80 | 8.16 | 10.20 | 12.24 | 13.60 | 16.32 | Not set | |||
| Effective annual rate (%) | 12.25 | 14.00 | 14.75 | 14.75 | 15.00 | 15.00 | 15.00 | 15.00 | 15.00 | 15.00 | Not set | |||||
| ② | Credit card revolving payment [Reference] | Effective annual interest rate: 15.00% | ||||||||||||||
| ③ | Brand City Regular Loan | Fee amount* | 1.50 | 2.34 | 3.90 | 4.68 | 5.85 | 7.02 | 7.80 | 9.36 | 11.70 | 14.04 | 16.38 | 18.72 | 21.06 | 23.40 |
| Effective annual rate (%) | 8.98 | 7.98 | 8.42 | 8.53 | 8.63 | 8.69 | 8.71 | 8.74 | 8.75 | 8.74 | 8.71 | 8.68 | 8.64 | 8.60 | ||
| Loan amount | 500,000 yen | 1 million yen | ||
| Number of payments | 12 times | 24 times | 12 times | 24 times |
| Credit card | 40,800 yen | 81,600 yen | 81,600 yen | 163,200 yen |
| Regular Loan | 21,000 yen | 42,000 yen | 42,000 yen | 84,000 yen |
| Interest-free payments | |
|---|---|
| Number of payments | Commission Rate |
| 1 time | 0% |
| 3 times | 0% |
*If you select interest-free payment, you cannot select skip payment or bonus-only payment.
If you wish to make interest-free payments
Please enter "interest-free request" in the contact section for the shop.
If there is no mention in the request section, the application will be made as a regular loan.
2. Regular installment payments (up to 120 installments)
*The fee amount is the amount per 100 yen of the transaction amount.| Brand City Regular Loan | ||
|---|---|---|
| Number of payments | Fee amount* | Effective annual rate (%) |
| 3 times | 1.50 | 8.98 |
| 6 times | 2.34 | 7.98 |
| 10 times | 3.90 | 8.42 |
| 12 times | 4.68 | 8.53 |
| 15 times | 5.85 | 8.63 |
| 18 times | 7.02 | 8.69 |
| 20 times | 7.80 | 8.71 |
| 24 times | 9.36 | 8.74 |
| 30 times | 11.70 | 8.75 |
| 36 times | 14.04 | 8.74 |
| 42 times | 16.38 | 8.71 |
| 48 times | 18.72 | 8.68 |
| 54 times | 21.06 | 8.64 |
| 60 times | 23.40 | 8.60 |
Payments will begin the month following your application.
3. Skip payment
Recommended for those who want the product right away but want to start paying in a few months!
| Skip payment | |
|---|---|
| Number of months of deferred payment | Fee amount* |
| 1 month | 0.50 |
| 2 months | 1.00 |
| 3 months | 1.50 |
| 4 months | 2.00 |
| 5 months | 2.50 |
| 6 months | 3.00 |
◎The above fees will be added to the regular installment fee.
You can postpone your payment start month up to six months.
4. Bonus-only payment
I want to pay only during bonus months!
Recommended for those who:
| Bonus only payment | |
|---|---|
| Number of months of deferred payment | Fee amount* |
| 1 time | 3.00 |
| 2 times | 5.00 |
| 3 times | 7.00 |
| 4 times | 9.00 |
◎Payment only during bonus months (Summer: June, July, August / Winter: December, January)
■ If you find a product that interests you... ■
Simply enter the product price, etc. and use the Monthly Payment Simulator to calculate your monthly payment if you use the BrandCity x JACCS shopping loan!
▼Brand City Regular Loan▼
Contract details
What is BrandCity Shopping Loan?
- This is a service that allows you to pay for products in installments through our affiliated credit company, JACCS Corporation (hereinafter referred to as "JACCS").
- In order to ensure that we can deliver products to you promptly, we allow you to complete all of the procedures for shopping loans online.
Process from ordering to receiving your product
1. Order a product
Add the item you wish to purchase to your shopping cart and select the "Shopping Loan" payment method.
2. Email arrives
Click on the loan application URL in the email you received from JACCS.
*Please complete the procedure within 3 days after receiving the email.
3. Start the procedure
Follow the instructions to process the loan and enter your monthly payment and customer information.
4. Notification of the results
JACCS will notify you of the results of the screening by email or phone.
*If unfortunately your application is rejected, please choose a different payment method.
5. Product shipping begins
Once JACCS has completed its inspection, we will ship the product to you.
Important Notice
- Shopping loans are available for total amounts of 30,000 yen or more and monthly payments of 3,000 yen or more.
- If you do not have an email address, you will not be able to use a shopping loan.
- Delivery of products will be limited to your home address.
- If you are a minor or depending on the screening process, a guarantor may be required.
- Depending on JACCS's screening, you may be required to complete a credit agreement (with your signature and seal).
- It may take some time to complete the review.
- Depending on the credit company's screening, we may not be able to meet your wishes.
We cannot answer questions regarding the results of the screening. - After completing the shopping loan contract, you will receive a document clarifying the credit contract (customer copy) and an account registration form from JACCS. Please return these to JACCS within three days of receiving them.
- If you have any questions regarding the shopping loan, please contact us at the contact information listed in the email you received from JACCS.
