Smartplus Credit began providing shopping credit for subsclife by TOKYOROOMS. Under the new payment arrangement, it will pay the total contract amount in advance in a lump sum in the month following delivery and collect payment from customers in 24 installments.
Smartplus Credit began providing shopping credit for subsclife by TOKYOROOMS, a furniture and home-appliance subscription service operated by Social Interior. Under the new arrangement, Smartplus Credit will make a lump-sum advance payment to Social Interior in the month following delivery, covering the total subscription fees for the contract period.
Customers can now choose installment payments by direct debit in addition to the existing credit-card payment option, expanding access to customers without a card. Social Interior aims to improve operating efficiency and stabilize cash collection by transferring billing and payment administration to an external provider.
Subsclife's business model involves delivering products and collecting monthly usage fees, making it necessary to improve the cost and funding efficiency of billing operations. Statistics from the Japan Credit Association show that the credit amount increased in 2025.
Under the arrangement, Smartplus Credit advances the total contract-period amount, and customers pay the 24 months of usage fees to Smartplus Credit in installments. The introduction is expected to enable customers to use subsclife without concerns about their available credit limits, while Social Interior is expected to strengthen its financial position by shifting the timing of cash conversion to the following month.