Orico Auto Lease Co.

What Orico Auto Lease Co. does

Orico Auto Lease Co. (株式会社オリコオートリース) is a Tokyo-based auto leasing company founded on March 6, 2008, as a joint venture between Orient Corporation (a major Japanese consumer finance company) and Tokyo Century Corporation (one of Japan's largest leasing companies), with a stated objective of becoming the leading company in the individual auto lease market. The company offers fixed monthly auto lease contracts to individual consumers (and, to a lesser extent, corporate customers) covering 1-7 year terms, bundling vehicle cost, registration fees, automobile/weight/environmental taxes, compulsory and optional insurance, and optional maintenance packages into a single monthly bill paid via Orient Corporation's account-transfer system on the 27th of each month. The product suite is differentiated by residual-value-based pricing with both Open-End and Closed-End contract variants, a three-tier maintenance menu (Oikurumaiken, Mato Mente, Select Mato Mente), and 24/365 road service bundled with every lease.

The company reaches customers exclusively through an authorized dealer channel organized as the KOALA CLUB agency association, which encompasses 30,000+ member dealers nationwide and is supported by two proprietary web platforms: a Lease Calculation System for instant quoting with catalog data integration, and the MOALS customer-management system for application tracking and expiration forecasting. The sub-brand Eucalyptus Plan (ユーカリプラン) is a KOALA CLUB-exclusive bundled product. As of July 2023, the company managed 180,000+ vehicles, generating 962 billion JPY in sales for the fiscal year ending March 2025. The company holds a J-1 domestic commercial paper rating from JCR with a 40 billion yen issuance limit, and operates with a lean 1-10 person headcount that relies heavily on shared services and infrastructure from its two parent shareholders, including credit screening, account management, and collections performed by Orient Corporation. In May 2026, the company established a Mangan Solution Room to provide specialized customer support at lease contract maturity.

Name

Orico Auto Lease Co.

Legal name

株式会社オリコオートリース

Website

https://oal-net.co.jp

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Short description

Orico Auto Lease Co. is a Tokyo-based auto leasing joint venture between Orient Corporation and Tokyo Century Corporation, providing fixed monthly lease products to individual consumers in Japan through a 30,000+ dealer network, with 180,000+ vehicles under management and a J-1 credit rating.

Ownership category

akta.pro rank

Product category

Consumer Auto Leasing

NAICS

Passenger Car Leasing (532112), Automotive Equipment Rental and Leasing (5321)

SIC

Services-Auto Rental & Leasing (No Drivers) (7510)

akta.pro primary industry

Consumer/Private Lease & Subscription (Personal Contract Hire) (TLABAAAC)

akta.pro secondary industries

Auto & Vehicle Leasing (Personal Use) (FSAKANAA), Leasing & Lease Buyout Financing (FSAKADAC)

Keywords

• Auto leasing services
• Consumer vehicle leasing
• Lease financing
• Maintenance lease packages
• Dealer-based leasing distribution

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Auto Lease Fees: Monthly lease fees collected on the 27th of each month from customers' accounts via Orient Corporation's account transfer system. Fees include vehicle cost, registration expenses, environmental tax, automobile tax, weight tax, compulsory insurance, optional insurance (if selected), and maintenance costs (if selected).

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Orico Auto Lease Co. provides auto leasing for new and used vehicles to individual consumers (and corporate customers) in Japan, with contract terms of 1 to 7 years and fixed monthly payments. Each lease bundles vehicle cost, registration fees, automobile/weight/environmental taxes, compulsory insurance, optional insurance, maintenance services, and 24-hour/365-day road service. Customers select vehicles through a network of authorized dealers (KOALA CLUB), which process lease applications and provide ongoing administrative support including lease-end procedures (replacement, re-lease, purchase, or return).

Product overview

Orico Auto Lease Co. operates as an auto leasing company with a focus on individual customers. The core product is the auto lease (オートリース) offering vehicle usage through 1-7 year fixed-payment contracts with optional maintenance packages. The company provides residual value pricing through Open-End and Closed-End contract options, bundled with 24-hour road service. Dealer-facing platforms include the Lease Calculation System (リース料計算システム) for real-time quotes and MOALS customer management system. The KOALA CLUB agency association offers the branded Eucalyptus Plan (ユーカリプラン) product. The 2026 establishment of the Mangan Solution Room extends support capabilities to lease expiration procedures.

Differentiator

Problem solved

Functional benefit

Brands

• コアラクラブ (KOALA CLUB): 株式会社オリコオートリースが 운영하는代理店会グループ。新規顧客の開拓と固定化を実現。
• ユーカリプラン

Products and services

• Auto Lease (オートリース) Core auto leasing service for individual consumers (and corporate customers), allowing vehicle use for 1-7 year terms with fixed monthly payments. Bundles vehicle purchase, registration fees, taxes (automobile tax, weight tax, environmental tax), compulsory insurance, optional insurance, and optional maintenance. Available in Open-End and Closed-End contract types based on residual value treatment.
• Maintenance Lease (メンテナンスリース) Lease package that bundles scheduled maintenance, periodic inspections, and vehicle inspections (shaken) into the monthly payment, removing administrative burden from the customer. Includes three variants: 'お車けんん' (basic maintenance), 'まっとメンテ' (comprehensive maintenance), and 'セレクトまっとメンテ' (flexible select maintenance).
• Road Service (ロードサービス) 24-hour, 365-day road assistance included with all leases. Covers battery jumping, towing up to 10km, key unlocking, tire changes, fuel delivery, emergency repairs, and additional support including rental car (up to ¥20,000), taxi (up to ¥20,000), home return (up to ¥20,000), accommodation (up to ¥15,000), and post-repair delivery (up to ¥50,000).
• Eucalyptus Plan (ユーカリプラン) KOALA CLUB exclusive auto lease product that bundles vehicle cost, registration fees, taxes, insurance, maintenance services (inspections, oil changes), road service, and customer benefits into a single packaged offering for individual consumers.
• Residual Value Setting (残存価格の設定) Pricing structure that sets a vehicle's expected future market value at lease end to reduce monthly payments. Available as Open-End contracts (customer responsible for residual value settlement at end) or Closed-End contracts (no settlement required).
• Lease End Procedures (リース契約満了時の手続き) End-of-lease service offering four options for customers approaching lease maturity: vehicle replacement with a new lease, re-lease extension, vehicle purchase at residual value, or vehicle return.
• Mangan Solution Room (満了ソリューション室) Specialized service department dedicated to assisting customers with lease contract maturity procedures, providing consultations on vehicle replacement, re-leasing, vehicle purchase, or vehicle return options against a backdrop of new car supply delays and inflation.

Quantifiable outcome

• 180,000+ vehicles under management as of July 2023
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• KOALA CLUB (コアラクラブ)coreChannel Partner/ Reseller/ DistributorKOALA CLUB is the company's proprietary agency association network comprising over 30,000 member auto dealers across Japan. Members receive access to exclusive marketing tools, lease calculation systems, MOALS customer management platform, and promotional support. The network offers bundled products including the 'Eucalyptus Plan' (ユーカリプラン) package.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• ORIX Auto Corporation: ORIX Auto is one of Japan's largest auto leasing companies, offering individual and corporate leasing with maintenance, insurance, and roadside bundles—directly comparable to OAL's product structure and dealer-led distribution model.
• Mitsubishi Auto Leasing Corporation: Mitsubishi Auto Leasing is a Japanese auto leasing JV between Mitsubishi Corporation and Mitsubishi HC Capital, providing individual and corporate leasing with similar dealer-channel distribution and bundled services.
• SMBC Auto Leasing: SMBC Auto Leasing is a Sumitomo Mitsui Banking Corporation affiliate providing auto leasing solutions in Japan, with overlapping individual and corporate customer segments and comparable bundled service architecture.
• Sumitomo Mitsui Auto Service Company: SMAS is a major Japanese auto leasing JV backed by Sumitomo Mitsui Financial Group, competing head-to-head with OAL in passenger vehicle leasing for individuals and corporates with bundled maintenance and fleet management services.
• NTT Finance (Auto Lease Division): NTT Finance operates an auto leasing business targeting individual customers with bundled services and dealer-channel distribution, directly comparable to OAL's individual-focused lease offering in Japan.

Broad incumbents

• Tokyo Century Corporation: Tokyo Century is a major shareholder of OAL and one of Japan's largest leasing companies, with broader domestic and international auto leasing operations that overlap with OAL's core individual leasing business.
• Toyota Financial Services: Toyota Financial Services is the captive finance arm of Toyota, offering competitive lease and loan products through Toyota/Lexus dealer networks that compete for the same individual customers OAL reaches via KOALA CLUB.
• ALD Automotive (Société Générale): ALD Automotive is a global corporate and individual vehicle leasing player; its Japanese operations represent a comparable international incumbent in the same product category as OAL.

Others

• Orient Corporation: Orient Corporation is a parent shareholder and core financial partner that handles credit screening, approvals, and collections for OAL contracts—a related party enabling rather than competing with OAL's operations.

Emerging players

• JACCS Co., Ltd. JACCS is a Japanese consumer finance company with auto loan and leasing products for individual customers, offering a partially overlapping alternative to OAL's lease structure in the Japanese consumer vehicle finance market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

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 Orico Auto Lease Co.