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
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
Credit card revolving payment [Reference] Effective annual rate: 15.00%
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

*The fee amount is the fee per 100 yen of the transaction amount.
Payments will begin the month following your application.

3. Skip payment

Number of months of deferred payment 1 month 2 months 3 months 4 months 5 months 6 months
Fee amount* 0.50 1.00 1.50 2.00 2.50 3.00

◎The above fees will be added to the regular installment fee. You can postpone the start of your payment up to 6 months.

I want the product now, but I want to start paying in a few months!
Recommended for those who:

4. Bonus-only payment

Number of months of deferred payment 1 time 2 times 3 times 4 times
Fee amount* 3.00 5.00 7.00 9.00

◎Payment only during bonus months (Summer: June, July, August / Winter: December, January)

I want the product right away, but I want to pay only during my bonus month!
Recommended for those who:

Installment Fee Rate Comparison Chart

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

■ If you find a product that interests you... ■

Simply enter the product price and other information to use the payment amount simulator, which will calculate your monthly payment amount if you use the BrandCity x JACCS shopping loan!

▼ Brand City Regular Loan ▼
▼ 3 interest-free installments ▼

Contract details

BrandCity Shopping Loan (hereinafter referred to as "Shopping Loan") is a loan that allows customers to purchase products from Brand City (hereinafter referred to as "our store"),
This service allows you to pay in installments without using a credit card.
With a simple procedure, you can choose a payment method that is not available with a credit card.

If you wish to use a shopping loan, you will need to enter into an advance payment (credit) agreement with our affiliated credit company, JACCS Corporation (hereinafter referred to as "JACCS").
After the credit agreement is concluded, JACCS will pay the product price to our store on behalf of the customer, and the customer will pay the price to JACCS in installments.

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 the product

Add the item you wish to purchase to your shopping cart and select the payment method "Shopping Loan".

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.

Just follow the simple steps on the web when purchasing the product.
You can pay in installments without using a credit card.

Shopping loan fee

1.1 Interest-free payment (up to 3 installments)

*If you select interest-free payment, you cannot select skip payment or bonus-only payment.

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 field, 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 ▼

▼ 3 interest-free installments ▼

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 payment method "Shopping Loan".

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.