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Niya Niya Loans

Character

Niya Niya Loans is a small-time extortion gang in Z-City run by Fish of Darkness. Operating out of the same shabby apartment block where Saitama once lived, they squeeze local businesses for money until Saitama shuts them down.

Status: Defunct
Location: Z-City
Anime Debut: OVA 0: Road to Hero
Headquarters: Crappy Apartment Building
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Overview

The outfit is a modest crew of low-level crooks who make their living shaking down businesses across Z-City. There is nothing polished about them; members dress in everyday street clothes such as tracksuits rather than any kind of gang uniform.

Their base of operations is tucked away inside a cluster of apartments in a single-story building rented out by an elderly landlady in Z-City. By an odd twist of fate, this is the very same run-down building where Saitama used to live, which sets up their eventual collision with him.

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Role

The gang's role is straightforward extortion, leaning on shopkeepers for protection-style payments. Fish of Darkness leads the operation, and beneath his obvious greed and his scheme to seize the Draper's tailor shop lies a darker urge: a desire to wreck nearly everything around him.

Their downfall comes in the OVA Road to Hero. One member visits the Draper to collect an overdue payment, really extortion money, and keeps pressuring the tailor until Saitama walks in. The thug reports back that the Draper still cannot pay, and Fish of Darkness moves to take the shop. Saitama then beats down every gang member and defeats the boss to protect the store.

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Notable Members

Fish of Darkness serves as the leader, with Caramel Macchiato Kaito listed among the members, and both survive their encounter. After the fight, Fish of Darkness reveals that he and the whole gang carry A-Class bounties, prompting Saitama to call the police.

A final twist complicates the arrest. Saitama tells the landlady he has handled the criminals, expecting it to settle his back rent, only to learn the gang members were her tenants and her chief source of income. The furious old woman snaps that if she had wanted them turned in, she would have phoned the police herself.

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Frequently Asked Questions

What is Niya Niya Loans in One Punch Man?

Niya Niya Loans is a small-time extortion gang in Z-City that shakes down local businesses for protection money. The gang dresses in ordinary street clothes rather than any gang uniform.

Who leads Niya Niya Loans?

Fish of Darkness leads Niya Niya Loans, and beneath his greed and his scheme to seize the Draper's tailor shop lies a darker urge to wreck nearly everything around him.

Where does Niya Niya Loans operate from?

Niya Niya Loans operates out of a single-story apartment building in Z-City rented by an elderly landlady, the very same run-down building where Saitama once lived.

How did Saitama defeat Niya Niya Loans?

In the OVA Road to Hero, Saitama beats down every member of Niya Niya Loans and defeats Fish of Darkness to protect the Draper's tailor shop from being seized.

Why was the landlady upset after Niya Niya Loans was caught?

After Saitama had the gang's A-Class bounties reported, the elderly landlady grew furious because the Niya Niya Loans members were her tenants and her chief source of income. She snapped that she would have called the police herself if she had wanted them turned in.

Sources & Information

Looking for more on Niya Niya Loans? The Dragon Ball Wiki on Fandom has a dedicated page with community notes.

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This content is original writing by Daddy Jim Headquarters based on the Dragon Ball anime series, manga, and official materials. Episode and chapter references are cited where applicable.

Character and scene imagery on this site is original artwork by Daddy Jim Headquarters, not screenshots or licensed imagery. Official cover art is used on three types of pages for editorial commentary:

  • Movie pages: theatrical posters and key visuals, credited to Toei Animation and Shueisha.
  • Game pages: official box art, credited to Bandai Namco, Atari, and other publishers.
  • Manga chapter pages: Jump Comics volume covers, credited to Shueisha and Akira Toriyama.

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