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History

October 1994 Started operations as a subsidiary of GE Capital (U.S.)
November 1998 Acquired the business right of the consumer finance business from Lake Co., Ltd.
September 2008 All equities of GE Consumer Finance K.K. were assigned to Shinsei Bank
February 2009 Decided to withdraw from the credit card, shopping credit, and housing loans businesses to focus on the personal loan business under the “Lake” brand
April 2009 Changed the company name to Shinsei Financial Co., Ltd.
March 2010 Made SHINKI Co., Ltd. (currently Shinsei Personal Loan Co., Ltd.) a wholly-owned subsidiary
December 2010 Acquired from Shinsei Bank all common equities of APLUS Financial Co., Ltd. held by the Bank
October 2011 Assigned part of the unsecured personal card loan business to Shinsei Bank and began the guarantee business for unsecured personal loans launched by Shinsei Bank under the “Shinsei Bank Card Loan Lake” brand
October 2015 Consolidated management with SHINKI Co., Ltd. (currently Shinsei Personal Loan Co., Ltd.)