About Dental Loans

Which company provides dental loans?

• This is a dental loan from JACCS Co., Ltd., a credit company of the Mitsubishi UFJ Financial Group.

How can I pay?

• The payment will be automatically debited from your designated financial institution every month.

Please tell me which financial institutions I can use.

• Financial institutions such as Japan Post Bank, city banks, regional banks, credit unions, labor banks, agricultural cooperatives, etc. can be used (excluding some financial institutions).

Can I make a lump sum payment during the payment process?

• Yes, it is possible. If you wish to pay off your loan early, please contact JACCS. We will guide you through the procedures required by JACCS.

Can I get a detailed statement of my application?

• Yes. We will send it to the address you provided when you applied. Please keep it in a safe place as you may need it later.

Do I need a guarantor?

• In principle, it is not required. However, depending on the results of the screening, it may be required. Thank you for your understanding.

Can I combine or add bonus payments to my monthly payment amount?

• Yes, it is possible. The months in which you can combine or add bonus repayments can be selected from the following combinations: "June and December," "July and January," and "August and February."

How is this different from credit card installment payments?

• For example, if you split up the cost of self-paid treatment for 100 million yen, you can start with a monthly payment of 13,622 yen (84 payments). If you use a credit card revolving payment plan, the monthly burden will be around 19,296 yen, which means you will have to pay interest of nearly 6,000 yen higher each month. Compared to the average credit card revolving payment plan, this is a reduction in fees of up to around 76%.

Do I need to bring anything, such as a seal, when applying?

• No, it is not necessary. However, if you are a minor or a student and are considering signing a contract under your parent's name, please come to the clinic with your parent. (You can also apply by mail at a later date. If it is not convenient for you and your parent, you can come alone.)
  The patient information we obtain at our hospital is as follows:
  
  ■ Name
  ■性別
  ■ Date of birth
  ■ Address
  ■ Phone number
  ■ Contact information
  ■ Guarantor (for minors and students)
  
  The above is the information required for the contract. The credit company will contact the patient directly and complete the procedures, such as providing the necessary information, signing a seal, and verifying identification.

Please tell me the monthly withdrawal date.

• The payment date is the 27th of each month. If the 27th falls on a Saturday, Sunday, national holiday, or other bank holiday, the payment date will be the next business day.

How much can I make a partial early repayment? What are the fees?

• We accept requests for a minimum of 1 yen per transaction. There is no handling fee.

How do I apply?

• You can use it at the reception desk of our clinic. Please refer to the "Application Brochure" at the clinic and contact the application number listed in the brochure. For details, please refer to the "Application Procedure" in the brochure.

Please tell me the available amount range.

• Depending on your needs, you can use up to 500 million yen.

Will the amount be transferred to my designated account?

• No, we will not transfer the amount to you. The amount you spend will be transferred directly from JACCS to our clinic.