In the "Bank-Affiliated Card Loan" (Note 1) category of the "GMO Customer Satisfaction Ranking" released on Wednesday, July 1, 2026, by GMO Research & AI, Inc. (President and CEO: Gohta Ogita), a subsidiary of GMO Internet Group, AEON Bank Card Loan took the top spot. It received the highest evaluation in all seven assessment items, including application smoothness, screening response, and interest rates, finishing with a significant 6.75-point lead over the second-place finisher.

To reveal the services that users of bank-affiliated card loans are truly satisfied with, the "GMO Customer Satisfaction Ranking" conducted a survey across seven items. AEON Bank Card Loan garnered strong support across the entire user experience, from borrowing to repayment, leading to an evaluation that allows users to borrow and repay with peace of mind, securing the No. 1 overall ranking.

(Note 1) Companies and services that offer card loans from banks and bank-affiliated financial institutions (including cardless loan types) to individuals in Japan.

[Survey Overview]

- Survey Sponsor: GMO Research & AI, Inc.

- Survey Method: Online Survey

- Number of Respondents: 1,501

- Number of Ranked Responses: Minimum of 50 responses per ranked company

- Survey Period: April 1, 2026 - April 27, 2026

- Survey Target:

- Gender: Not specified

- Age: 18-69 years old

- Conditions: Individuals who have used a bank card loan or an alternative cardless loan service (such as an app) within the past 3 years, and are currently repaying or have completed repayment.

- Number of Surveyed Companies/Services: 95 (Note 2)

- Number of Ranked Companies: 6

- Definition: Companies and services that offer card loans from banks and bank-affiliated financial institutions (including cardless loan types) to individuals in Japan.

(Note 2) Surveyed companies were selected based on our original desk research, focusing on companies and services believed to have a large number of users. Additionally, some companies and services mentioned by respondents in free-response questions were included.

[Ranking Results] 2026 "Bank-Affiliated Card Loan" Category https://r-portal.gmo-research.ai/ranking/details/bank-cardloan_2026/

Overall Ranking (Top 3)

(1st place: AEON Bank Card Loan, 2nd place: Rakuten Bank Super Loan, 3rd place: Mizuho Bank Card Loan)

In the overall ranking for the "Bank-Affiliated Card Loan" category, AEON Bank Card Loan secured first place, with a 6.75-point lead over the second-place finisher. AEON Bank Card Loan achieved first place in all seven individual ranking items, demonstrating overall strength that surpassed other companies in every evaluation metric. Its ability to meet the key factors valued by card loan users—such as ease of application, smooth screening process, clarity of borrowing conditions and interest rates, and ease of repayment—at a high level was the driving force behind its No. 1 overall ranking.

- "The screening was fast, and the support was thorough, which gave me a sense of security. I also think the interest rate conditions are good." (30s, Female)

- "The staff's response was kind and polite, and they answered my questions thoroughly. They were also very supportive when problems arose." (40s, Male)

- "It's convenient that I can repay at ATMs for free." (60s, Male)

* Some comments have been edited for readability.

Rakuten Bank Super Loan (Card Loan) in second place recorded an overall score of 67.38 points and ranked second in the "Interest Rates" (62.58 points) category. The convenience and cost-effectiveness unique to online banks contributed to its support. Users also praised the ease of application and point rewards.

Mizuho Bank Card Loan, in third place with an overall score of 59.19 points, ranked second in two categories: "Ease of Application" (61.38 points) and "Ease of Repayment" (63.73 points). The security and convenience offered by a major bank were highly rated. Users cited ease of repayment and convenience through account linkage as positive aspects.

* The "GMO Customer Satisfaction Ranking" statistically processes response data based on the survey design and relatively evaluates overall strength (standardized score) using a predetermined calculation method. The calculation process may involve weighting each user's important factors as needed.

Item-Specific Rankings (Top 3)

In the item-specific rankings, AEON Bank Card Loan achieved first place in all seven evaluation items: "Ease of Application," "Screening Response," "Clarity of Borrowing Conditions," "Interest Rates," "Borrowing Support," "Ease of Repayment," and "Support Services," thus completing a sweep of all categories.

Detailed ranking results and rankings for other categories can be viewed on the "GMO Customer Satisfaction Ranking" website (URL: https://r-portal.gmo-research.ai/ranking/).

[Usage Data] Key Factors When Choosing a Bank-Affiliated Card Loan

When asked about the points users prioritize when choosing a bank-affiliated card loan product on a 10-point scale (n=1,418) for the seven evaluation items, "Interest Rates" (7.48 points) was the most important factor. This was followed by "Ease of Repayment" (7.31 points), "Ease of Application" (7.14 points), "Screening Response" (7.10 points), and "Clarity of Borrowing Conditions" (7.06 points). This indicates that the cost of borrowing and the ease of the application-to-repayment process are central concerns for users. On the other hand, "Support Services" (6.55 points) and "Borrowing Support" (6.53 points) were relatively less prioritized, suggesting that users tend to prioritize basic conditions like interest rates and clarity of procedures over the level of support.

[About the "GMO Customer Satisfaction Ranking"]

"GMO Customer Satisfaction Ranking" is a platform where GMO Research & AI conducts surveys for various industries and services and publishes rankings based on the results. Utilizing its extensive panel of over 35 million people (Note 3) in Japan, GMO Research & AI publishes fair, accurate, and reliable rankings based on rigorous survey methodologies.

Through the "GMO Customer Satisfaction Ranking" title based on these evaluation results, we aim to enhance corporate brand value and provide reliable information to support consumer choices of services and products.

[Regarding Citation of Survey Results and Use of "No. 1" Title/Logo]

This press release and the survey results of the "GMO Customer Satisfaction Ranking" may be quoted in news reports and articles. When quoting, please clearly state the source as "Source: GMO Customer Satisfaction Ranking 2026 (Survey by GMO Research & AI, Inc.)".

Meanwhile, the "No. 1" title and certification logo (trademark logo) awarded in the rankings are registered trademarks owned by GMO Internet Group, Inc., for which GMO Research & AI grants usage licenses. Use of the title and logo in advertisements, promotional materials, etc., including by award-winning companies, requires our permission. If you wish to use them, please contact us via the inquiry form below (URL: https://r-portal.gmo-research.ai/ranking/inquiry/).

Furthermore, the "GMO Customer Satisfaction Ranking" X account (URL: https://x.com/rank_cs_gmora) disseminates ranking information for categories not covered in press releases. Please check it out.

(Note 3) As of April 2026

(Note 4) A panel is a group of consumers who have agreed to cooperate with surveys.

[About GMO Research & AI, Inc.]

With the philosophy of "Emotions, to the World," GMO Research & AI is engaged in the business of disseminating a new marketing solution platform that realizes the rebuilding of relationships between companies and consumers.

Leveraging its panel network that enables internet research with consumers in over 130 countries and regions worldwide (Note 5) and AI technology, the company receives survey requests from companies not only in Japan but also globally.

(Note 5) As of April 2026, including partner panels.

* Company names, product names, and service names mentioned are trademarks or registered trademarks of their respective companies.

End

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[GMO Research & AI, Inc.] (URL: https://gmo-research.ai/)

Company Name: GMO Research & AI, Inc.

Location: Cerulean Tower, 26-1 Sakuragaoka-cho, Shibuya-ku, Tokyo

Representative: Gohta Ogita, President and CEO

Business Activities: Internet Research Business

Capital: 10 million yen

[GMO Internet Group, Inc.] (URL: https://group.gmo/)

Company Name: GMO Internet Group, Inc. (TSE Prime Market, Securities Code: 9449)

Location: Cerulean Tower, 26-1 Sakuragaoka-cho, Shibuya-ku, Tokyo

Representative: Masatoshi Kumagai, Representative Director, Group Representative

Business Activities: Holding Company (Group Management Function)

Group Business Activities

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Capital: 5 billion yen

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  • Source: PR TIMES
  • Category: Survey結果