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Financing Business

Business Outline

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Financing services that provide greater convenience for customers

PROMISE is one of the financing business arms of SMBC Consumer Finance. It offers “Free Cashing” (revolving loans), a core product that meets the various borrowing needs of individual customers, the “Card Loan for Independent Businessman” to meet the funding needs of self-employed individuals, and the “Consolidation Loan” to ease the debt service burden on customers repaying loans.

Channel Options

Various channels available to meet different customer needs

We have established a variety of channel networks promptly to meet customer needs for “convenient services with peace of mind, anytime, anywhere.”
At our Customer Service Centers across East and West Japan, we accept and screen loan applications as well as provide consultation and guidance on borrowing and repayment tautomated loan contracting machines, internet, and telephone.
We also built a system allowing customers to make transactions with peace of mind by centrally monitoring information about their transactions and providing them with all kinds of support. Having received the certifications from COPC®*, an international quality assurance standard for contact center operations, every year for 10 consecutive years since 2013, our Customer Service Centers continue to improve their service quality.

* The COPC®CX Standard for CSPs Release 6.2 is a global quality assurance standard specifically for the contact center business that is formulated to improve the level of customer satisfaction and ensure efficient operations. Certification is given to contact centers that have achieved and maintained the standard at a superior level, particularly in relation to customer service performance.


New Service from PROMISE

V Point system launchedA shared point reward service for SMBC Group customers

The V Point system, a shared point reward service administered by Sumitomo Mitsui Card Company, Limited, was launched on February 21, 2022. The new system, which is shared across the SMBC Group, was created by updating the Sumitomo Mitsui Card World Present Point service and the SMBC Point system introduced on June 1, 2020. Customers can use their accumulated points in various ways. For example, they can add the points to the balance in the V Point app, which can be used to pay for purchases in Visa-affiliated stores, exchange their points for gifts, or transfer them to points systems operated by other companies.


The Promise V Point service is provided through the official Promise app. Customers can earn points under this convenient system by using the official Promise app or making monthly payments. These points can then be exchanged for purchases or gifts.


On July 25, 2022, we further enhanced the usability and benefits of the system and expanded the range of uses by introducing a new points consolidation service, which allows users to combine Promise V Points with Sumitomo Mitsui Card V Points and SMBC V Points.

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