#Japan #Tokyo #Financial Survey #Kokomora #Loan Approval

Insights from Kokomora's Recent Card Loan Survey

Kokomora, a well-known financial information platform, recently conducted a comprehensive online survey aimed at understanding the approval rates for card loans in Japan. This survey encapsulated voices from actual card loan users and provided critical insights into factors influencing loan approvals.

Survey Overview

The survey was executed through internet research, utilizing the Freezy tool and targeting respondents with experience in taking out card loans. The overall respondent pool included 154 individuals, comprising 129 men and 25 women, and was conducted in April 2025.

Key Findings from the Survey

Annual Income and Loan Approval

One of the first questions tackled the annual income of respondents when they were granted a card loan. The results revealed that around 22% of respondents had an annual income between 3 to 4 million yen, while another 21% reported earning upwards of 6 million yen. Here's a detailed breakdown:

• - Under 500,000 yen: 5.84%
• - Between 500,000 to 1 million yen: 1.30%
• - Between 1 to 2 million yen: 12.34%
• - Between 2 to 3 million yen: 12.99%
• - Between 300,000 to 400,000 yen: 22.08%
• - Between 4 to 5 million yen: 12.34%
• - Between 5 to 6 million yen: 11.69%
• - Over 6 million yen: 21.43%

Employment Status

The survey also inquired about the employment status of those who were able to secure loans. An impressive 68% were full-time employees, while non-regular employment types, including part-time and contract workers, accounted for about 17% of successful applicants. The breakdown is as follows:

• - Full-time employee: 68.18%
• - Part-time/temporary employee: 9.09%
• - Contract worker: 7.79%
• - Sole proprietor: 5.84%
• - Civil servant: 3.25%
• - Unemployed: 3.25%
• - Housewife: 1.30%
• - Student: 1.30%

Experiences of Loan Rejections

Interestingly, 24% of the respondents shared that they had previously experienced loan rejection. A significant portion, 51%, attributed their rejection to insufficient income. This highlights the critical factor that income plays in the approval processes. Additional reasons include:

• - Multiple loan applications from other lenders: 35.14%
• - Unstable job situations: 24.32%

Factors Influencing Approval

Respondents were also asked if they consciously took steps to improve their chances of getting approved. Here are some of the detailed responses:

• - Ensuring application accuracy: 63.64%
• - Requesting a lower loan amount: 35.71%
• - Building good credit through credit card usage: 16.23%
• - Avoiding multiple applications at the same time: 12.99%

Conclusion

The survey outcomes elucidate the significant correlation between income levels, employment status, and successful card loan applications in Japan. Kokomora aims to empower its users with information that helps them make informed financial decisions, ensuring they can navigate loan options effectively. For those interested in obtaining loans, focusing on job stability and income levels could enhance approval chances significantly.

About Kokomora

Kokomora derives its name from the concept of providing comprehensive information about various aspects of everyday life to assist users in making optimal choices.

For more information, visit Kokomora.

Company Information

Company Name: Zero Accel Co., Ltd.
Location: 10F Nippon Television Yoyogi Building, 5-3-23 Kojimachi, Chiyoda, Tokyo
CEO: Hiroki Daifuku
Established: April 2020
Services: Media operations
Website: Zero Accel