Eiwa

What Eiwa does

Eiwa Co., Ltd. (株式会社エイワ) is a privately held Japanese consumer finance company founded in 1960 and headquartered in Yokohama. The company operates a 25-branch physical network distributed across five regional clusters: Hokkaido (1 branch), Tohoku/Kanto (13), Chubu (4), Kinki/Chugoku (4), and Kyushu (3). Eiwa is registered as a money lending business with the Kanto Finance Bureau under registration number (15) No. 00154, valid March 2, 2026 through March 1, 2029, and is a member of the Japan Financial Services Association. The company participates in three credit information systems — JICC (加盟する指定信用情報機関), CIC (提携信用情報機関), and the Zenginkyo Personal Credit Information Center. Leadership rests with President Ichikawa Shoji (市川 章二).

Eiwa's core product is Cashing Eiwa (キャッシングエイワ), an unsecured consumer loan ranging from ¥10,000 to ¥500,000 (1–50万円) originated through face-to-face consultations at branch locations rather than automated contract machines. Two targeted sub-brands sit on the same underwriting platform: Ladies' Loan (レディースローン), which serves women, housewives, and non-regular or part-time workers, and Student Loan (学生ローン), which targets student borrowers. The company also operates self-service digital tools — an online loan eligibility diagnostic (借入診断) and a repayment simulator (返済シミュレーション). Application intake spans 24/7 internet applications, three dedicated phone hotlines segmented by customer type (general, ladies, and non-borrowing inquiries), fax, mail, an in-branch referral program paying QUO card incentives up to ¥2,000, and a conditional home-delivery service for loan disbursement in select regions.

Eiwa operates as a direct-to-consumer lender, monetizing through interest income on its loan book under a same-amount monthly repayment structure. Per-loan interest rates and fees are not publicly disclosed; repayment schedules are set per borrower. Customer segments span general consumers (primary), women, students, and housewives. Customer acquisition is mediated through the branch network, phone, and inbound digital applications; the company maintains a modest digital footprint via eiwa.jp and the official X account @EIWAcashing. Headcount is reported in the 251–500 range, and no parent company, subsidiaries, M&A activity, outside investors, or external funding rounds are disclosed.

Name

Eiwa

Legal name

株式会社エイワ

Website

https://eiwa.jp

Company type

Private

Founded year

1960

Operating status

Operating

Headcount range

251–500 employees

Short description

Eiwa Co., Ltd. is a privately held Japanese consumer finance company founded in 1960, operating a 25-branch network nationwide to provide unsecured personal loans of ¥10,000–¥500,000 to individuals through in-person assessments, with Ladies' Loan and Student Loan variants.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Sales Financing (52222)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Earned Wage Access (EWA) & Wage-Advance Products (FSAKAOAF)

Keywords

• Consumer lending services
• Personal loan products
• Ladies loan
• Student loan
• Cash advance services

Headquarters

HQ city

Yokohama

HQ country

Japan

HQ region

Asia

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Consumer Lending Interest Income: Eiwa generates revenue through interest income on consumer loans. Loans range from 1 to 50万円. Borrowers repay using a monthly fixed-amount repayment structure where the same payment amount is made each month, gradually reducing the principal balance.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Eiwa (株式会社エイワ) is a Japanese consumer finance company that provides unsecured personal cash loans ranging from 1 to 500,000 yen to individual consumers, disbursed through face-to-face consultations at 25 branch offices across Japan. Its product line spans a core Cashing Eiwa loan, a Ladies' Loan targeted at women including housewives and part-time workers, and a Student Loan, all repaid via a fixed monthly installment schedule. Same-day disbursement is available at branches, and a conditional home delivery service extends reach in select areas.

Product overview

Eiwa operates as a consumer finance (sokusai) company offering a single unified loan product line centered on its core Cashing Eiwa service — unsecured personal loans of 1–500,000 yen with in-person assessment. The portfolio includes targeted variants (Ladies' Loan for women and Student Loan for students) and supplementary digital tools (Loan Eligibility Check and Repayment Simulator). Funds are delivered through a nationwide network of 25 physical branches or via a conditional home delivery service, with same-day lending possible at branch locations. All products share a fixed monthly repayment structure and require face-to-face review rather than automated/unmanned contracting.

Differentiator

Problem solved

Functional benefit

Brands

• レザーディーズローン (Ladies Loan): A loan product specifically designed for housewives and women who may not be regular employees, allowing part-time and non-regular workers to apply for financing upon credit review.
• 学生ローン (Student Loan)

Products and services

• Cashing Eiwa (キャッシングエイワ)
• Ladies' Loan (レディースローン)
• Student Loan (学生ローン)

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves4 records

Expansion highlights3 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/EIWAcashing

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Eiwa