Cedyna Financial Corporation

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Installment Business

Shopping credit

We offer secure, convenient services that make life easier.

We provide secure, convenient credit for a wide range of everyday needs, from shopping at department stores, on TV, and through the internet to paying for education and medical care.
Cedyna prepares shopping credit service, such as installment payments, so customers can immediately purchase a wide range of goods, from Kimono and other kinds of clothing to jewels, precious metals, and electric appliances. We also offer credit services tailored to particular goods and services, such as "agri-support credit" (to buy agricultural equipment and fertilizer), "bridal credit", and "medical credit".

Auto loans and Auto leases

We prepare a variety of products supporting the purchase of automobiles and motorbikes.

These include auto loans for purchases of new and second-hand cars and motorbikes and for maintenance for safety inspections, plus "auto loans with residual value" and "auto leases".

Auto loans with residual value

Reduced monthly payments

  • Borrowers can substantially reduce their monthly repayments by deducting the pre-determined trade-in value of their vehicle from the loan value.
  • Borrowers can purchase an upgraded vehicle with the same budget.

Convenient options for repaying the residual value

  • Payment by selling the automobile.
  • Lump-sum payment of the residual value.
  • Repayment of the residual value by installments.

Illustration of auto loans with residual value


Home improvement loans & Solar energy loans

Home improvement loans

We give our customers the financial support they need to realize their ideal home improvements, from home extensions to refurbishing kitchens and bathrooms.

Solar energy loans

We are strengthening our approach to eco-friendly products related to solar power generation and storage which are likely to play a big role in next generation energy sources.

Banking guarantees

We help the retail business of financial institutions.

We guarantee loans made by financial institutions to individuals. Utilizing our knowhow that we have honed over many years, we support the retail business of financial institutions in various regions by offering custom-made product development and a variety of products such as those with the procedures all made on websites, which are suitable to their needs.

Cedyna C-Web®

We are increasing our use of digital services to improve convenience for the individual customers and affiliated stores.

•Cedyna C-Web is a web-based application service that enables online applications for credit through personal computers, tablet devices, and smartphones.
•This service improves the efficiency of filling out credit applications and calculating service fees, thereby easing the administrative burden on affiliated stores that accept Cedyna credit.
•Because this service is paperless, it improves the security of personal information and contributes to a healthy global environment.

Line of products that connect Cedyna and our customers through many devices.

[Affiliated stores selling over the counter]

C-Web simplifies and expedites credit applications at affiliated stores.The procedure can be completed through any communication device, such as personal computers, tablet devices, and smartphones.

•C-Web Write

Easy online applications through tablet devices as if writing on paper. This web-based application service enables customers to handwrite information on forms on electronic devices.

C-Web Write

•C-Web Connect

This web-based application service greatly reduces the number of items of information needed to apply for credit. Affiliated stores use it to input information about their customers and products directly into the C-Web service.

C-Web Connect

•C-Web My Smartphone

This web-based application service allows owners of smartphones to apply for credit at their own pace through their smartphones.

C-Web My Smartphone

[Affiliated stores selling online]

We offer the "C-Web Link Version" to affiliated stores selling their products through their own shopping websites, which allows direct connections between their shopping websites and the C-Web service. Similarly, we offer the "C-Web Mail Version" to affiliated stores which are members of online shopping malls. Both of these services are available 24 hours a day, 365 days a year online, so they can be used anytime anywhere.