整せい理り屋や

Meanings

loan shark specializing in debt consolidation

A colloquial term for a moneylender who refinances or consolidates multiple debts, often with high interest. The word carries a negative, exploitative connotation.

彼かれは借しゃっ金きんがかさんで、ついに整せい理り屋やに手てを出だしてしまった。
His debts piled up, and he ended up turning to a loan shark who consolidates debts.
整せい理り屋やの甘あまい言こと葉ばに乗のってはいけない。
Don't be taken in by the sweet talk of a debt-consolidation loan shark.

Kanji

整organize, arranging, tune
理logic, arrangement, reason
屋roof, house, shop

Related words

サラ金きん
サラ金 refers to consumer finance companies or their high-interest loans in general, while 整理屋 specifically focuses on refinancing or consolidating existing debts, often with a more predatory image.
闇やみ金きん
闇金 is an illegal, unregistered loan shark charging exorbitant interest, whereas 整理屋 may operate in a gray area, specializing in debt restructuring rather than just lending.

Built from

整せい理り+屋や

Etymology

Compound of 整理 (せいり, 'arrangement, consolidation') and 屋 (や, 'shop, dealer'), literally 'consolidation dealer'. The exact origin is uncertain, but it likely emerged in colloquial Japanese to describe moneylenders who offer to refinance multiple debts.