APLUS Co., Ltd. is a Japan-based financial services provider. The Company is active in five business divisions. The Total Facilitation division is engaged in the issue of credit cards and the provision of reimbursement services. The Individual Facilitation division provides installment payment services. The Credit Guarantee division provides debt collection services. The Financing Business division is engaged in the provision of financing services through cash dispensers (CDs) and automated teller machines (ATMs). The Others division is involved in the provision of leasing and clerical services.