JACCS International Vietnam Finance

What JACCS International Vietnam Finance does

JACCS International Vietnam Finance Co., Ltd. (JIVF) is a Japanese-backed consumer finance company incorporated in Vietnam as a single-member limited liability company, headquartered in Ho Chi Minh City. The company provides installment loan products across eleven categories — motorcycles, personal cash loans, cars, power motorcycles, machines and equipment, electric motorcycles, electric bicycles, auto spare parts, furniture, consumer electronics, and healthcare/beauty services — with ticket sizes ranging from 3 million VND (~$120) to 2 billion VND (~$80,000) and terms from 6 to 96 months. JIVF generates revenue primarily through interest income on installment loans, supplemented by a 12,000 VND per month loan-management fee, late-payment interest set at 150% of the in-term rate, and prepayment fees of 2–6% of outstanding principal. Pricing is segmented by customer type (salaried, self-employed, farmer/general) with promotional rates (e.g., 0.69%/month for Honda motorcycles, 7.90% first six months on cars) before reverting to floating base-rate-plus-spread mechanics.

JIVF operates a dealer-embedded distribution model with over 2,000 service introduction points covering all 63 Vietnamese provinces, anchored by strategic co-marketing partnerships with Honda Vietnam and Yamaha Vietnam for motorcycle financing and ZaloPay for repayment. Customers can also apply directly via hotline, mobile app (iOS/Android), or at the Ho Chi Minh City headquarters. The technology stack includes a digital lending platform with eKYC (biometric facial recognition and liveness checks), AI-powered voicebots and chatbots for call-center operations, big-data analytics for credit scoring and behavioral early-warning systems, automated debt-collection workflows, and recommendation engines for cross-sell. Cybersecurity is delivered through a 24/7 Security Operations Center operated jointly with Lien Phat and Viettel Cyber Security.

The company serves three primary customer segments — salaried employees, self-employed workers and farmers, and car buyers — addressing the structural need for accessible formal credit in Vietnam. Strategic positioning leverages 75 years of parent-group banking experience, the nationwide physical distribution network, a portfolio of competitive promotional interest rates, and digital-first onboarding capabilities. Recent strategic moves include launching EV-mobility loan products (May 2026), entering the healthcare/beauty and auto-spare-parts verticals (October 2024), and upgrading cybersecurity infrastructure (2025), all of which indicate active expansion of the addressable market beyond the legacy motorcycle and cash-loan core.

Name

JACCS International Vietnam Finance

Legal name

JACCS International Vietnam Finance Company Limited

Website

https://jaccs.com.vn

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

JACCS International Vietnam Finance is a Japanese-backed Vietnamese consumer finance company that provides installment loans across motorcycles, cars, electronics, furniture, healthcare, and EV mobility through 2,000+ service points nationwide. It serves salaried employees, self-employed borrowers, and farmers via dealer-embedded financing and digital channels.

Ownership category

akta.pro rank

Product category

Consumer Finance

NAICS

Other Nondepository Credit Intermediation (52229)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)

Keywords

• Consumer finance
• Installment lending
• Motorcycle financing
• Personal loans
• Vehicle financing

Headquarters

HQ city

Ho Chi Minh City

HQ country

Vietnam

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Installment Lending - Motorcycles: Interest income from motorcycle loans with terms ranging from 6 to 36 months. Customers purchase vehicles through partner dealers and repay in monthly installments. Revenue generated through interest rates (e.g., 0.69%/month promotional rate for Honda vehicles) and loan management fees.
2. Installment Lending - Personal/Cash Loans: Unsecured personal loans disbursed as cash for consumer purposes. Terms up to 84 months. Revenue from interest income and origination fees.
3. Installment Lending - Automobile: Secured auto loans with collateral (vehicle registration). Maximum loan ratio 90% of vehicle value. Terms up to 96 months. Revenue from interest income with promotional rates for first 6-12 months followed by floating rates.
4. Installment Lending - Consumer Goods: Loans for furniture, consumer electronics, healthcare and beauty services. Revenue generated through interest income and processing fees.
5. Installment Lending - Machines and Equipment: Loans for agricultural machinery, construction equipment, and industrial machines. Terms from 13 to 48 months.
6. Loan Management Fee: Non-refundable fee charged for loan management and debt repayment administration. Current rate: 12,000 VND per month, allocated across monthly payments.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

JACCS International Vietnam Finance provides installment-based consumer credit products to individual borrowers in Vietnam, including motorbike loans, car loans, personal cash loans, and loans for consumer goods and services such as education, healthcare, travel, and weddings. Loans are originated and serviced through a nationwide network of more than 2,000 dealers and service points, supported by direct channels (hotline, branches, mobile app, website) and a Japanese-backed operating model.

Product overview

JACCS International Vietnam Finance (JIVF) operates as a Japanese-owned consumer finance company in Vietnam offering a comprehensive portfolio of installment loan products. The core offering consists of eleven distinct loan products targeting both asset purchases (vehicles, electronics, furniture) and service consumption (healthcare). The product portfolio includes motorcycle loans, personal cash loans, car loans, machine and equipment loans, and recently launched electric mobility products (electric motorcycles and bicycles), alongside consumer electronics and furniture installment plans, plus a specialized healthcare and beauty services loan. All products operate through a network of over 2,000 service points nationwide and partner with major brands like Honda and Yamaha.

Differentiator

Problem solved

Functional benefit

Products and services

• Motorbike Loan Installment financing for the purchase of motorbikes, distributed through JIVF's nationwide dealer and service-point network and originated via hotline, mobile app, website, and dealer-assisted channels. Designed for individual Vietnamese consumers — including salaried, self-employed, and farming borrowers — who need to spread the cost of a motorbike purchase over time.
• Car Loan Installment financing for the purchase of cars (cash and non-cash loan variants) offered to individual Vietnamese consumers through JIVF's nationwide dealer and service-point network. Repayment is structured as periodic installments over the loan term.
• Personal Cash Loan An unsecured personal installment cash loan for individual Vietnamese consumers with regular income (salaried, self-employed, or farming) who need liquidity for personal needs. Loan requests are handled through JIVF's hotline, mobile app, website, and branch offices.
• Consumer Goods Loan Installment financing for the purchase of consumer goods, enabling individual Vietnamese consumers to pay for everyday and household products over time via JIVF's dealer and service-point network and direct channels.
• Services Loan Installment financing for lifestyle and personal services such as education, healthcare/medical treatment, travel, and weddings, allowing individual Vietnamese consumers to spread the cost of these expenditures across an installment schedule.

Quantifiable outcome

• Over 2000 service points nationwide covering all 63 provinces and cities
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability10 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core, major and supporting.

• Lien PhatcoreTechnology or Integration · 1 January 2025Cybersecurity partnership for SOC 24/7 monitoring services. Lien Phat provides round-the-clock security operations center monitoring for JIVF's IT infrastructure.
• Viettel Cyber SecuritycoreTechnology or Integration · 1 January 2025Cybersecurity partnership for SOC 24/7 monitoring services. Viettel Cyber Security provides round-the-clock security operations center monitoring for JIVF's IT infrastructure.
• Honda VietnamcoreStrategic or Co-development PartnerCo-marketing partnership for motorcycle financing programs including CBR650R, X-ADV, and XL750 models. Special promotional interest rates from 0.69%/month for Honda vehicles financed through JIVF.
• Yamaha VietnamcoreStrategic or Co-development PartnerPartnership for Grande scooter installment financing with promotional 0% interest rate programs for Yamaha purchases through JIVF dealer network.
• ZaloPaymajorGTM or Marketing PartnerPayment partnership enabling customers to make loan repayments via ZaloPay application. Promotional cashback offers up to 50,000 VND for repayments made through the platform.
• VietinBanksupportingOthersDisbursement partner for personal cash loans. Customers can receive loan disbursement to personal VietinBank account or in cash at VietinBank branches.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Shinhan Finance Vietnam: Korean-affiliated consumer finance company providing personal installment loans and auto financing in Vietnam. Comparable as a foreign-backed multi-product installment lender with similar target segments.
• LOTTE Finance Vietnam: Korean-backed consumer finance company in Vietnam offering installment loans for vehicles, electronics, and personal cash needs. Comparable given similar foreign-backed structure, multi-product installment offering, and dealer-network distribution.
• FE Credit: Vietnam's largest consumer finance company, offering installment loans for motorcycles, consumer electronics, and personal cash across an extensive nationwide POS network. Directly comparable as a multi-product installment lender targeting mass-market Vietnamese consumers through dealer partnerships.
• HD Saison Finance: Vietnamese consumer finance company providing installment lending for motorcycles, electronics, and consumer goods through dealer and retail partnerships. Closely comparable in product set, distribution model, and target borrower profile.
• Mcredit (MB Shinsei Finance): Vietnamese consumer finance joint venture offering cash loans and installment financing for motorcycles and consumer durables. Comparable given similar product breadth and dealer-channel approach.
• Mirae Asset Finance Vietnam: Korean-backed consumer finance company offering personal loans and installment financing through retail partnerships in Vietnam. Comparable as a foreign-backed multi-product installment lender.
• AEON Financial Service Vietnam: Japanese-affiliated consumer finance company in Vietnam offering installment loans for vehicles, home appliances, and consumer goods. Closely comparable given shared Japanese parent heritage and similar installment product portfolio.
• Home Credit Vietnam: Major BNPL and consumer finance provider in Vietnam offering installment loans for motorcycles, electronics, and home appliances through retail POS partnerships. Directly comparable given similar product mix, dealer-channel model, and target customer segment.
• Prudential Finance Vietnam: Vietnamese consumer finance company offering personal loans, auto loans, and motorcycle financing. Comparable as an installment lender serving individual consumers across multiple asset classes.

Broad incumbents

• VPBank (Consumer Finance Arm): Major Vietnamese bank with a sizable consumer lending operation covering personal loans, auto loans, and credit cards. Comparable as a large-scale provider of consumer credit in Vietnam, though VPBank's offerings sit inside a broader retail/commercial banking franchise.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/CongtyTaiChinhJACCSVietNam
• LinkedInlinkedin.com/company/jaccs-viet-nam

Revenue estimate

Valuation estimate

Number of profiles

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 JACCS International Vietnam Finance