Our loan products for your various needs

Special features of SMBC Trust Bank PRESTIA Loans*

  • *Except for PRESTIA MultiMoney Credit

SMBC Trust Bank will cover premiums for Group Credit Life Insurance (including disability coverage).

  • Group Credit Life Insurance provides cover up to 200 million yen* (including disability coverage up to 100 million yen) or the total loan amount, whichever is lower.
  • *Applied to those applications with notification date of on and after April 1, 2020

No credit guarantee fees or surety fees

  • Initial borrowing costs can be reduced.

Partial early repayments can be made free of charge by phone (Reduced period only).

  • Use it as part of your repayment plan.

With an SMBC Trust Bank loan, you can repay any extra amount with your choice. Furthermore, partial early repayments will be free of charge for transactions made by phone (Reduced period only). By making partial early repayments whenever your financial situation allows, you can reduce the overall repayment period of your loan, and in addition, the total amount of interest on the principal. In this way, you may reduce the total amount to be repaid.

Partial early repayments Fixed repayments as per original contract Reduction in payment period

  • *Partial early repayments at an SMBC Trust Bank branch each incur a charge of 5,500 yen (including tax). (Both reduced period and reduced repayment amount).

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Service HoursWeekdays 9:00 - 17:00 (excluding Saturdays, Sundays and holidays)*

  • *SMBC Trust Bank recommends that you make an appointment for consultations in advance.