Message from President

Since our establishment in March 1962, we have developed and provided safe and convenient personal loan products that meet the funding needs of our customers while keeping pace with changes in their lives and lifestyles. We have also been working to reinforce and sophisticate our service infrastructure so that we can respond promptly to a wide range of inquiries and contract requests. In April 2012, marking the 50th anniversary year of our founding, we became a member of the SMBC Group. In July of the same year, while retaining the service brand “PROMISE,” we changed our company name to SMBC Consumer Finance Co., Ltd. and transitioned to a structure in which we, as the core company responsible for the Group’s personal finance business, work in cooperation with other SMBC Group companies to achieve further growth. In October 2024, we started integrated management with Sumitomo Mitsui Card Company, Limited, a frontrunner driving the expansion of Japan’s cashless payment market. By leveraging each other’s know-how, we will enhance the level of various services through the integration of “payment” and “finance” and will further increase the value we provide to customers.

In recent years, the environment surrounding our company has been rapidly changing, with customer value becoming diverse, digitalization advancing, technological innovation accelerating, and companies from other industries entering into the finance business. In light of these changes in the business environment, we aim to swiftly transition to a digital-based business model by proactively incorporating the latest technologies, such as generative AI. Working more closely than ever before with our customers, we will strive to provide optimal services and support tailored to their specific needs. We will also take action to build a sound consumer finance market and resolve various social issues through our business activities. By doing our utmost as an honest professional with a high ethical standard, we aim to become the No. 1 consumer finance brand that continues to be chosen by customers.