By, smartwatches 02/04/2023

How to pass the examination of SMBC Mobit? Thorough investigation of standards and difficulty

"SMBC Mobit" is a consumer finance card loan that provides highly convenient services such as "complete online application" and "smartphone ATM transactions." When using "SMBC Mobit", there are probably many people who are concerned about the difficulty of the examination. Therefore, in this article, we will introduce the screening criteria for card loans, the flow up to financing, and the unique features of "SMBC Mobit".

What is the difficulty level of screening for "SMBC Mobit"?

Comparison of new contract rates with other companies
Active acquisition of new customers after name change in 2017
“Shortest same-day financing possible = Poor screening”
High interest rates and difficulty of screening are irrelevant Check in advance
1. The age limit is between 20 and 69! Don't worry if you have sudden expenses for hobbies or travel
2. Those who have a stable and continuous income can apply
3. Loans are available even if you have borrowed money from another company
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What is the reason for failing the examination of "SMBC Mobit"?

My only source of income is pensions and public assistance
I am a minor
I have borrowed 3 or more loans from other companies
In the past
One of my parents has already received a loan
The details of the application are not true
Four benefits of using "SMBC Mobit"
1. Easy with a smartphone! No phone calls if completed online
2. By choosing "no mail", you can borrow money without your family knowing
3. You can also respond to sudden invitations! Approval time is fast and same-day loan OK >
4. Unlike other companies, there is no interest-free period
5. Fees apply at ATMs other than affiliated ATMs other than Sumitomo Mitsui Banking Corporation
"SMBC Mobit" Teaching tips to pass the examination
1. Pay utility bills and repay loans from other companies without delay
2. Do not apply for multiple card loans at the same time
3. Income Submit proof documents
4. Set the amount you want to borrow as low as possible
5. Enter your personal information correctly based on the facts
6. Credit card or loan Pay attention to delinquencies
How to review SMBC Mobit
1. Simple review takes 10 seconds! Easy to use even for busy people because you can see it on the spot. No telephone contact for WEB-completed application
2. In the case of card application, enrollment will be confirmed by phone
3. If WEB-completed application requires telephone confirmation ?
Flow from application to repayment of "SMBC Mobit"
1. What documents are required for application?
2. Flow from application to membership
3. Where can I borrow and repay?
4. Precautions to keep your family and workplace from knowing
How long does it take for SMBC Mobit to be screened and financed?
1. The minimum review time is 30 minutes! Perfect for those who need funds immediately
2. How to notify the screening result of "SMBC Mobit"
3. Screening is also supported on weekends and holidays! Useful when going out with family on holidays
4. What are the possible reasons for not receiving the screening results?
5. How long does it take to get a loan?
Reviews of those who passed and failed the "SMBC Mobit" examination
1. Reviews of those who passed the examination
2. Reviews from those who failed the examination
If you want to use a card loan without anyone knowing, we recommend "SMBC Mobit"!
Frequently Asked Questions about SMBC Mobit

How difficult is the examination for SMBC Mobit?

Why does "SMBC Mobit" have a review in the first place?

Not only "SMBC Mobit", but all card loans must be screened. A card loan review is an important step in verifying the identity of the applicant and preventing fraud and other crimes. In addition, in order to protect users from the burden of excessive loans and multiple debts, we will judge whether they have the ability to repay in accordance with the "total amount regulation".

When you apply for "SMBC Mobit", you will be screened in the same way as other card loans. It is sometimes said that the examination is “soft” or “strict”, but what is it really like? Here, we will explain the examination difficulty of "SMBC Mobit".

Major consumer finance companies post "monthly data" on their official websites, in which they also announce new contract rates. "SMBC Mobit" does not officially announce the number of new contracts, but let's compare the new contract rate of other companies using the examination pass rate of the parent company "SMBC Consumer Finance" as a reference standard.

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Card loan company	Monthly data details	New contract rate (average)
SMBC Mobit (SMBC Consumer Finance)	April 2021 37.6% / May 37.3% / June 39.3% / July 38.5% / August 39.9% / September 39.6%	38.7%
Acom	2021 April 41.2% / May 42.6% / June 42.4% / July 41.5% /August 42.6% / September 41.9%	42.0%
Aiful	April 2021 37.5% / May 37.0% / 35.8% in June / 34.8% in July / 33.9% in August / 33.0% in September	35.2%
Lake ALSA	April-June 2021 36.0% / July-September 35.2%	35.6%

Reference: SMBC Consumer Finance Monthly Sales Indicators Reference: ACOM Monthly Report End of September 2021 / ACOM Monthly Report End of November 2021 Reference: Aiful Monthly Data Fiscal Year Ending March 2022 Reference: Shinsei Bank Group Financial Results and Business Highlights 2nd Quarter of FY2021 settlement"

As shown in the chart above, comparing the new contract rate (reference value) of "SMBC Mobit" with other major consumer finance card loans, you can see that it is easier to pass the screening after the long-established Acom.

Card loan companies operate under the supervision of the Financial Services Agency, and may be ordered to suspend operations if they violate the Money Lending Business Act. For example, in 2006, Acom underwent an on-site inspection by the Financial Services Agency, and Aiful was ordered to suspend operations.

These are cases in which malicious collection behavior became a problem, but at the root of it, "excessive loans" and "multiple debts" are also related, and the fundamental solution to the problem is to apply at the time of card loan screening. It is necessary to appropriately judge the borrowing status and repayment capacity of the borrower. Companies that have received a business suspension order will be strictly monitored by the Financial Services Agency, so it is thought that this will affect the difficulty of the examination.

In this respect, "SMBC Mobit" is a card loan that has never received a business suspension order, so you can expect it to be more active in financing than other companies.

Click here to apply for SMBC Mobit (Image: quoted from SMBC Mobit)

"SMBC Mobit" is a relatively new card loan that changed its name in 2017.

In general, when a new entry or company name is changed, acquiring new customers becomes an important issue to compete with well-known long-established stores. "SMBC Mobit" had been operating as "Mobit" before then, but it is possible that the name change will make a fresh start and actively work to acquire new customers.

In fact, even after the name change, we have provided innovative and attractive services such as "Web complete", "Smartphone ATM transaction", and "T point service". In this way, it can be expected that the probability of passing the examination will be higher for card loans that are aggressive in acquiring new customers.

One of the characteristics of "SMBC Mobit" is that the loan speed is "as fast as the same day". The result of the simple examination will be displayed on the application screen in a minimum of 10 seconds, and the final examination will be completed in a minimum of 30 minutes. However, it does not mean that “shortest same-day loan possible = lax examination”.

It's not that we cut corners in the screening because we can provide same-day loans, or that we're done with a simple screening unlike other companies. As with other companies, SMBC Mobit checks the attributes and credit information of applicants and appropriately judges whether or not they have the ability to repay.

Personal information such as the applicant's place of work, annual income, and employment status. It also includes information such as family composition and whether the home is owned or rented.

This is your credit and loan history. Information that can be used to determine the applicant's "creditworthiness" such as application history, contract details, repayment status, etc. is recorded in the "credit information agency".

Simple examination of "SMBC Mobit" takes a minimum of 10 seconds, and main examination takes a minimum of 30 minutes. The reason why the screening is fast is that we have adopted our own "automatic credit screening system (scoring system)". This is an automatic computer-based system that saves time by scoring applicants' input data.

There are some consumer finance companies such as "Aiful" and "Acom" whose minimum examination time is about 30 minutes, but they all use the same "automatic credit examination system" to shorten the examination speed. it's finished.

In "SMBC Mobit", if you use the WEB completion, it is said that "no phone confirmation" is required, but this does not mean that enrollment confirmation will not be performed. Confirmation of enrollment is done in writing, but there are cases where confirmation of application details etc. is done over the phone. In order to complete the examination in the shortest possible time, it is important to accurately enter the necessary information at the time of application and prepare the necessary documents without any defects.

When comparing bank card loans and consumer finance card loans, many people think that bank card loans with low interest rates are difficult to screen. Certainly, low-interest card loans will require a strong screening of applicants' ability to repay in order for the financial institution to make a profit. In addition, the higher the loan amount, the lower the interest rate.

However, you should not think easily that "the examination of consumer finance card loans with high interest rates is lax". All card loan screenings are conducted in accordance with the Money Lending Business Act. Let's think that the high interest rate and the difficulty of the review are almost irrelevant.

Pre-check the examination criteria of "SMBC Mobit" from "applicants"

I would like to know the points seen in the examination of "SMBC Mobit".

It is possible to know the points that can be seen in the examination from "For those who can apply" on the official website. The main points include age restrictions, the presence or absence of income, and borrowing from other companies.

(Image: Quoted from SMBC Mobit "Applicants")

In addition to the screening criteria for card loans in general, each card loan company has its own screening criteria. Here, let's check the application criteria in advance from "Who can apply" on the official website.

You must be between 20 and 69 years old to apply for SMBC Mobit. Minors who have little social experience and are considered to lack knowledge and judgment are protected by the "minor's right to cancel". This is a law that can cancel a contract made without parental consent. As a result, most card loans have an age limit of 20 years or older.

In addition, the turnover rate may increase as you become older, so you must be 69 years old or younger to apply for "SMBC Mobit". Compared to other bank card loans, it seems that there are many cases where Rakuten Bank Super Loans are set for ages 65 and under, including 62 and under. In that respect, "SMBC Mobit" can be applied for up to the age of 69, so it can be said that it is a card loan that can be used with peace of mind even if you have sudden expenses such as hobbies or travel after retirement.

Applicants for "SMBC Mobit" are "those with stable regular income". This includes not only full-time employees, but also part-time workers, temporary employees and self-employed people.

The point of the screening criteria is not necessarily whether or not you are a regular employee. The important thing is to have a steady and continuous income, and the type of employment and the amount of income are not specified. For example, a part-time worker with five years of service is more likely to be judged as having a stable regular income than a full-time employee in the first year of employment.

Even full-time housewives/husbands can apply if they have a stable income from a part-time job.

Even housewives who are dependents of their spouses may pass the examination if they have a regular income from a part-time job and are judged to have the ability to repay. Since you can sign the contract under your own name, you can rest assured that even if you want to borrow money for a surprise gift for your spouse, they will not know when you apply. However, it may be difficult for some reasons, such as not meeting the income criteria.

Working days are not included in the lending conditions of "SMBC Mobit". Therefore, people who have just started a part-time job and have few working days, or who have just changed jobs can also apply. However, if you consider that you can show that you have a stable regular income by the number of years of service, if you are thinking about changing jobs, it will be easier to apply before changing jobs, not immediately after changing jobs.

Also, depending on your annual income, you may not be able to borrow as much as you want, so be careful. If you are concerned about your low annual income, you may want to apply with a lower loan amount. After signing the contract, you can apply for an increase in the amount of the loan after you have made the proper repayments.

When applying for a card loan, you must also declare the amount borrowed from another company. In fact, even in the "borrowing diagnosis" of "SMBC Mobit", "date of birth", "tax included annual income", and "current borrowing amount from other companies" are required items to be entered. However, having a loan from another company does not mean that you will not be able to get a loan. With SMBC Mobit, it is possible to finance even if you have borrowed money from another company.

However, you need to be careful as you may not be able to pass the examination if the amount borrowed from other companies is large. This involves a law called "total amount control" to prevent excessive borrowing.

"SMBC Mobit" allows you to finance even if you have borrowings from other companies, but you need to be careful of "total amount restrictions".

It is a law that prohibits lending more than one-third of annual income to money lenders. Loans exceeding repayment capacity are prohibited and are set as criteria for judging this.

If you borrow more than one-third of your annual income from a money lender, you will not be able to pass the examination due to the total amount regulation, so be careful. When applying for a card loan, be sure to check the total amount borrowed from other companies. If you are in conflict with the total volume regulation, you can consider a “collection loan” or a bank card loan that is not subject to the total volume regulation.

Click here to apply for SMBC Mobit

Housing loans and automobile loans are not included in the total borrowing amount of other companies because they are not subject to the total amount regulation.

In the case of credit cards, the cash advance limit is subject to the total limit, but the shopping limit is not subject to the total limit. If you have a loan from another company, deepen your understanding of the total amount regulation and make sure that it does not conflict before applying.

What is the reason for failing the examination of "SMBC Mobit"?

Why did you fail the SMBC Mobit screening?

If you fail the screening of "SMBC Mobit", it is possible that you have not met the conditions listed for the application. It is also possible that the borrower was judged to be incapable of repaying due to a large number of borrowings from other companies or problems with credit information.

There are a certain number of people who fail the examination of "SMBC Mobit". The reason is not explained specifically, but it is possible to infer the reason from the trend of falling. Here, we will roughly divide the reasons for failing the examination of "SMBC Mobit" into 6 reasons.

Pension and welfare recipients are not considered to have a stable income and are considered to fail the card loan screening. Especially for pensioners, the official website of the card loan company may say that "contracts cannot be made for pension only".

The official website of "SMBC Mobit" does not specify pensions or welfare, but from the above, you can see that stable income from part-time jobs is necessary.

Because minors are not eligible for application, they will not pass the screening. Due to the enforcement of the revised Civil Code, the age of adulthood will be 18 years old or older from April 2022, but as before, applications for consumer finance are limited to "over 20 years old", so please note that 18-19 year olds cannot apply. is required.

In addition, due to the revision of the Civil Code, people aged 18 to 19 will not be able to exercise the "minor's right to cancel", so there is concern that consumer damage will increase. As of January 2022, it seems that major banks will not be able to use card loans without parental consent.

If you have 3 or more loans from other companies, it is highly likely that you will not pass the screening, so be careful. The borrowing status is also included in the items entered at the time of application, and if you have multiple borrowings from other companies, you will be considered a multiple debtor who is struggling to repay. If you doubt your repayment ability, you will not pass the credit card examination.

If you have three or more borrowings from other companies, you should apply for a refinancing loan that aims to consolidate the borrowings from multiple companies into a single loan. Since refinancing loans are not subject to total volume restrictions, they have the advantage of being able to significantly reduce the burden of repayment.

Those who have had financial accidents such as delinquency in the past will be disadvantaged in the examination. A financial accident is a state of default due to delinquency in repayment, default, debt consolidation, personal bankruptcy, etc. In the examination of card loans, inquiries are made to credit information agencies and records of past financial accidents are checked. For example, if a card loan is overdue, the record will remain for five years, and it will be difficult to sign a new contract during that time.

In addition, if there is a record of delayed or neglected repayments at a SMBC Group company, the information will be shared within the group, so the possibility of concluding a new contract is extremely low. In this case, it would be better to apply to a consumer finance company other than the SMBC Group.

Financial accidents will be disadvantageous in the examination, but if you have paid in full, you may be considered a good customer and have an advantage in the examination. Especially in the case of the same group affiliate, there may be cases where the record of complete repayment works to your advantage. For example, those who have completed repayment under SMBC Group's "Promise" will share their records within the group and will be deemed to have repayment ability under "SMBC Mobit".

However, if there is a delay in repayment regardless of whether it is inside or outside the group, the record will remain at the credit information agency for 5 years, so it will be disadvantageous in the examination. With this in mind, it is very important to adhere to the due date.

Family composition is also included in the attributes of applicants in card loan screening, and scores are given based on each company's own criteria. "SMBC Mobit" also checks the family structure in the screening, so be sure to check the borrowing status of your parents before applying.

If one of your parents already has a loan, you may not pass the screening. This is because the Money Lending Business Act prohibits lending that exceeds the customer's ability to repay. So, if one of your parents has a large loan or has trouble with repayment delays, you may be at a disadvantage in the examination.

It is strictly prohibited to make false statements in your card loan application. If the application contents are different from the facts, it will be considered a false declaration and will not pass the examination even if it is a mistake. At the screening stage, the credibility of the application is checked through identity verification documents and referrals to credit information agencies.

When applying for "SMBC Mobit", be sure to enter your personal information carefully while checking whether it is correct. Especially when there is an address change due to moving, etc., there are cases where the address field on the driver's license is not updated. Driver's licenses are often submitted as identification documents, so it is important not to forget to change your address.

Four advantages of using "SMBC Mobit"

I would like to know the advantages of using "SMBC Mobit".

"SMBC Mobit" has the advantage of being able to proceed with the application process without a phone call if it is completed online. You can choose "no mailing", the speed of screening and financing is fast, and the borrowing limit is up to 8 million yen.

(Image: Quoted from SMBC Mobit "Business Introduction")

"SMBC Mobit" has a reputation for its highly convenient service, "no phone contact", "no mail", "same day loan support", and "borrowing limit of 800". There are many benefits for users, such as up to 10,000 yen. Here, the merits of "SMBC Mobit" are divided into four major categories and explained.

“SMBC Mobit” has the advantage of being “completely web-based,” from application to financing. The enrollment confirmation required for the screening is basically done by submitting the necessary documents instead of confirming by phone, so there is no need to worry about co-workers knowing about the use of the card loan. All you have to do is upload the required documents using your smartphone or computer, which makes it convenient and makes the complicated procedures smarter.

A card loan that clearly states "No phone contact" is very rare, and it can be said that it is perfect for those who want to borrow money without anyone knowing for some reason. However, it is not uncommon to have to confirm the details of the application over the phone, so it is safe to call the call center after applying and consult with the operator.

On "SMBC Mobit", you can select "No mailing" for "Web complete". In a normal application, the card loan company will send a membership application form, fill in the required items, and return it along with the required documents. Many people would like to avoid the risk that their use of consumer finance will be known to their family members or cohabitants when mail is sent to their homes.

On this point, SMBC Mobit's "Web Completion" allows you to complete all procedures on the Internet without the need for mailing. There is no need to issue a card, and you can start using your smartphone as soon as you receive the enrollment completion email, which is very convenient.

In addition, in the normal application procedure by mail or telephone, the necessary documents will be sent from "SMBC Mobit", but they will be sent under the name of "MC Center". Since it is not called "SMBC Mobit", some people think that the risk of being recognized as consumer finance is low.

“SMBC Mobit” also has the advantage that even if you need money urgently, you can get a loan on the same day at the shortest (*Depending on the day of the week and time of application, it will be handled after the next day). This is because we have adopted our own scoring system and are particular about review speed. Also, if you call the call center after applying, you can rest assured that the examination will start immediately.

Emergency preparation of money You can use "SMBC Mobit" with peace of mind even in scenes where you have to.

The borrowing limit of "SMBC Mobit" is up to 8 million yen, and it is also an advantage that it is the top class in the industry. Here's how you can compare your credit limit with other companies:

How to pass the SMBC Mobit review Thorough investigation of standards and difficulty

< td>5 million yen

Card loan name	Borrowing limit (maximum)
SMBC Mobit	8 million yen
Acom	8 million yen
Aiful	8 million yen
Promise	5 million yen
Lake ALSA

Reference: mobit.ne.jp Reference: acom.co.jp Reference: aiful.co.jp Reference: promise.co .jp Reference: lakealsa.com

Because the borrowing limit is set for each applicant, it is not necessarily the maximum amount of 8 million yen. However, it is possible to apply for an increase after signing the contract and increase the available limit. If the borrowing limit is set high, it will be advantageous in terms of interest rates, and it will lead to the benefits of being prepared for sudden expenses at any time. If you need additional financing, you can rest assured that there is room in the available credit line.

Click here to apply for SMBC Mobit

Disadvantages of using "SMBC Mobit"

I would like to know the disadvantages of using "SMBC Mobit".

Some card loans have an interest-free period for first-time users, but there is no interest-free period for SMBC Mobit. Also, there is a disadvantage that there are cases where transaction fees are charged when transactions are made at affiliated ATMs.

Every card loan has disadvantages, and it is important to know in advance so as not to regret after signing the contract. Here, I will explain two disadvantages of "SMBC Mobit".

"SMBC Mobit" does not have an interest-free period even if you are using it for the first time. Other companies offer interest-free periods of about 30 days, so some people may feel that this is a disadvantage.

Card loan name	Interest free period
SMBC Mobit	None
Acom	30 days
Aiful	30 days
Promise	30 days
Lake ALSA	30 days 60 days ( WEB application only) 180 days (up to 50,000 yen)

Reference: mobit.ne.jp Reference: acom.co.jp Reference: aiful. co.jp reference: promise.co.jp reference: lakealsa.com

Most major consumer finance companies offer a 30-day interest-free period for first-time users. In the case of “Lake ALSA”, you can choose an interest-free period according to the amount borrowed, which has the advantage of being able to borrow money at a lower interest rate. On the other hand, "SMBC Mobit" does not have an interest-free period.

However, when the interest-free period ends, all consumer loans will accrue interest, so if the borrowing period is long, even if you borrow with SMBC Mobit, it will not be a big disadvantage.

The disadvantage of using "SMBC Mobit" is that there is a fee for using affiliated ATMs other than Sumitomo Mitsui Banking Corporation. Deposits and withdrawals with a Mobit card have the advantage of being easy to use at affiliated ATMs such as nearby banks and convenience stores, but the following fees will be charged.

・Transaction amount less than 10,000 yen: 110 yen ・Transaction amount over 10,000 yen: 220 yen

If you want to waive the fees, use the ATMs of Sumitomo Mitsui Banking Corporation. Also, if you pay by direct debit, you can make the payment without paying any fees.

Teaching tips for passing the "SMBC Mobit" examination

What should I do to pass the "SMBC Mobit" examination?

In the case of card loans, specific screening criteria are not disclosed. However, there are tips for passing the examination, and if you prepare as much as possible, you will be more likely to pass the examination. Tips for passing the examination include paying utility bills and repaying loans from other companies without delay, and not applying for multiple credit card loans at the same time.

There is no guarantee that you will pass the SMBC Mobit screening, but there are some tricks you can practice to increase your chances. Here are 6 tips to help you pass the exam.

In order to increase the chances of passing the "SMBC Mobit" examination, pay your utility bills and repay loans from other companies without delay. If there is a delay in payment, there is a risk of a negative evaluation at the time of screening. Especially if you pay your utility bills by direct debit, it's a good idea to check every month to see if you have enough money to pay your bills. If you miss a payment, please resolve it immediately.

Also, if you have a loan from another company, please be aware that the repayment status will be checked at the time of screening by "SMBC Mobit". If you remain in arrears, it will be considered that you do not intend to repay, and it will be considered disadvantageous in the examination.

If you want to proceed with the payment but don't have the funds on hand, you can consider borrowing money in a way that won't be recorded on your credit report. For example, if you have a life insurance policy, you may be able to take advantage of the policyholder loan system. However, to avoid automatic cancellation, we recommend repaying as soon as possible after passing the screening of "SMBC Mobit".

It is a system that allows you to receive a loan with the "surrender value" of life insurance as collateral. You can get a loan with "no screening" and "low interest rate" without canceling your insurance.

It is also important not to apply for multiple card loans at the same time to make it easier to pass the screening. If you apply for multiple cash advance products in a short period of time, you will be in a state called "application black", and it is said that the screening pass rate will decrease. "Application Blackout" is not a financial accident, but it is necessary to be careful as there is a risk of being suspected of being a multiple debtor or an unauthorized user of the product.

It is said that the guideline for becoming "application black" is to apply to 3 or more companies within 1 to 3 months. Your application history will be recorded by the credit reference agency and will be checked when you apply for a card loan. The application history is recorded even if it fails the examination, and it is a mechanism that remains for 6 months. When applying for "SMBC Mobit", avoid multiple applications and wait at least 6 months if you suspect an application blackout.

As a tip to make it easier to pass the examination of "SMBC Mobit", it is also possible to submit proof of income. When you apply for a card loan, you are required to submit identity verification documents, but in some cases, you are also required to submit proof of income, such as a copy of your tax withholding slip. As a general rule, SMBC Mobit requires submission of proof of income when the desired borrowing amount exceeds 500,000 yen or when the total amount borrowed from other companies exceeds 1 million yen.

However, regardless of the amount you wish to borrow, you may be required to submit proof of income.

If you are applying for a card loan for the first time, it is a good idea to set a small loan amount so that it will be easier for you to pass the screening. Even if you present a high borrowing amount from the beginning, there is a high possibility that you will not pass the examination if you do not have credit. Even if you need to borrow a large amount of money, you must be able to expect a reasonable repayment according to your income.

In particular, borrowing more than 1/3 of your annual income is not allowed due to the "total amount regulation", so be careful to make the desired amount suitable for your annual income. If possible, the first loan should be about 100,000 yen, and if you apply for an increase after accumulating a usage record of more than half a year after the contract, you can expect it to be easier to pass the examination.

Tricks to make it easier for you to pass the screening include entering your personal information factually and correctly. Your attributes are an important item in the screening process, but you should not enter incorrect information just to gain an advantage. Your annual income and place of employment information will be checked in the final proof of income and enrollment confirmation. You can also check the borrowing status of other companies with the data recorded by the credit information agency.

Personal information is mainly entered for identity verification, and also has the meaning of preventing damage from impersonation and fraud. In particular, if there is a discrepancy between the information entered at the time of application and the content of the identity verification documents, it will not pass the screening.

What I want to be careful about here is the case of entering wrong information not intentionally but by misunderstanding or careless mistake. Even in this case, it will be considered as a false declaration in the examination, so please pay close attention. In particular, if you forget to change your address due to moving, etc., the information will be inconsistent when verifying your identity. It is important to appeal that you are a reliable customer, including the management of personal information.

Let's also be careful about delinquent credit cards and loans to pass the examination smoothly. The credit information that consumer finance companies, including "SMBC Mobit", confirms at the time of screening includes credit card and loan usage histories. If you have a financial accident, you will be placed on a so-called "blacklist", making it difficult to apply for new loans and other financial products.

Especially for those who use multiple credit cards, it is important to manage them properly so that the payment deadline does not pass. Even if you have a spouse or child with a family card, understand the usage status and manage the payment status. Delinquency of 61 days or more or 3 months or more will be recorded as a financial incident for 5 years.

"SMBC Mobit" Examination Method

What kind of examination method is there for "SMBC Mobit"?

"SMBC Mobit" has "simple examination of 10 seconds minimum" and "main examination of 30 minutes minimum". It will automatically determine whether it is possible to finance immediately on the spot, and proceed to the main examination as it is. It is a fast service that even busy people can apply smoothly.

The examination of "SMBC Mobit" is divided into the following two steps.

Step 1 Simple screening step of 10 seconds minimum ② Main screening of 30 minutes minimum

Here, we will explain the examination method of "SMBC Mobit" and each point in detail.

"SMBC Mobit" has a "simple examination" where you can see the results in as little as 10 seconds after entering the required information. In the case of either "Web complete application" or "Card application", a simple examination will be performed first, and it will be automatically determined whether borrowing is possible. Please make sure to enter the information correctly, as it will be carried over to the final examination.

Unlike other companies' simplified screenings, which consist of only about three questions, the SMBC Mobit simplified screening application form has more required items. Examples of input items are summarized below.

・Your name, etc. Your name・Name (kana)・Gender・Date of birth

・Contact email address・Do you have a mobile phone・Mobile phone number・Home zip code・Do you have a home phone number・Home phone number

・Annual income including tax including desired contract amount ・Requested contract amount ・Purpose of use ・Final educational background ・Nationality ・Password registration

It takes about 5 minutes to complete the required fields. After applying, the results can be seen in as little as 10 seconds, making it an easy-to-use system even for busy people. In addition, there is also a function of "borrowing diagnosis" that can diagnose whether it is possible to borrow with three questions like the simple examination of other companies. This is not a review, so it is good to use it for the purpose of knowing the guideline.

You can check the results of the simple screening during the application process. After passing the simple screening, you will enter the necessary information and enter the main screening. The information required for this screening includes "family composition", "workplace information", "whether or not you have a mortgage", "years of residence", etc., and the screening will continue based on more detailed information. In addition, a copy of the identity verification document and a copy of the income certificate are required for this examination.

In principle, if you apply from the "Web complete application", you will not be contacted by phone, and you do not have to worry about your workplace knowing that you are using a card loan. If the application contents and required documents are checked smoothly, the main examination will be completed in as little as 30 minutes.

*For applications made by 19:00 from Monday to Friday (excluding holidays)

In the case of "Web complete", we will confirm the result of the main examination by e-mail and proceed to the enrollment procedure. No card is issued, all procedures are done online, and can be used after receiving the enrollment completion email.

When applying for "SMBC Mobit" on a computer or smartphone, tap either the "Web complete application" or "Card application" button to proceed to the application screen. In principle, you will not be contacted by phone when completing the procedure with the "Web complete application", but if you select the "Card application", you will be asked to confirm your enrollment by phone, so please be careful.

In addition, when you apply for a card, the mobit card and membership application form will be sent to your home, and you will need to fill in the necessary documents and return them. If you do not want to confirm enrollment by phone or mail, we recommend that you use the "Web complete application" when applying.

In the case of "Web complete application", in principle, the procedure will proceed without telephone contact. However, in some cases, it is necessary to be careful because there are cases that require telephone confirmation.

It seems that there are cases where confirmation is absolutely necessary during the screening process. Here, we will introduce four possible cases where you may be asked to confirm by phone even though you have made a "complete online application". If you take measures in advance, it will lead to a smooth examination without telephone contact.

If the required documents you have submitted are not up-to-date, you may receive a phone call requesting confirmation or resubmission. When submitting a driver's license, passport, etc. as an identification document, please check the expiration date and prepare a valid one. Also, passports applied for after February 4, 2020 are invalid because they do not have an address entry column.

If you are submitting proof of income, you will need the most recent two months' salary slips. If you submit the documents before then, you may be asked to confirm by phone. Make sure each document you submit is up-to-date in order to get the benefits of no phone calls. Also, if your address changes due to moving, etc., it is important to update your address and keep your information updated.

One of the great benefits of "SMBC Mobit" is that you can proceed with the screening process without calling your employer. There is no phone contact, but that doesn't mean we won't confirm your enrollment. Employment confirmation will be based on the submitted documents. Therefore, if the company name cannot be confirmed in the submitted documents, confirmation by phone may be considered.

Documents that confirm your place of employment include pay slips and health insurance cards. Make sure that all required pages are included when submitting. Also, it is a good idea to check that the company name is clearly printed and that it can be checked by a third party.

With the "WEB complete application", you can use the smartphone app to photograph the required documents and submit them as they are. In addition, on the computer, upload and submit the data taken with a smartphone etc. in advance. If the image of the submitted documents is not clear, it may interfere with the screening process and may require a phone call. When shooting, please check whether the required documents are within the frame and whether the image is in focus.

If the entire document does not fit, you may need to take more pictures, such as dividing it. We recommend that you check all images for clarity before submission. Also, it is safe to reconfirm whether the characters on the document you photographed can be read.

There may be cases where you tried to apply with "Web complete", but you do not meet the conditions, so you choose "Card application". In the case of "card application", the fact of work will be confirmed by telephone. If you do not wish to be contacted by phone, it is best to complete the "Web Complete Application" after fulfilling the conditions.

Click here to apply for SMBC Mobit

Flow from application to repayment of "SMBC Mobit"

I would like to know how the screening process proceeds.

The flow from applying for "SMBC Mobit" to receiving a loan consists of four steps: "application" → "screening result" → "contract" → "use". If you apply online, you can get the loan on the same day. To make the process go smoothly, it is a good idea to know the points for each step in advance.

Here, we will explain the flow from application to repayment of "SMBC Mobit". Preparing the necessary documents for the application in advance will help the process go smoothly. In addition to the "complete online application" using a computer or smartphone, there are other methods of applying via a loan contract machine or over the phone. We will also introduce places where you can borrow and repay, so please refer to it when using it.

In order to apply for "SMBC Mobit", identification documents are required. The following three items are valid as identity verification documents.

・A copy of the back of the driver's license is also required if there are any changes.

・Name, date of birth, address page of applicant for health insurance card

・Passport face photo・address page

If you have a driver's license, in most cases you can verify your identity by submitting your driver's license. In some cases, it may be necessary to submit two identification documents. Please prepare documents that are still valid or are currently valid according to the instructions given at the time of application.

In addition to identity verification documents, there are cases where proof of income is required. In principle, you will be required to submit this if the amount you wish to borrow is 500,000 yen or more, or if the total amount of borrowings from other companies exceeds 1 million yen. However, you may be asked to submit it regardless of the amount you want to borrow, so it is safe to have it ready at the time of application.

Documents that can be used as proof of income are as follows.

Please submit salary certificate for the last two months. Also, if you receive a bonus payment, you will also need a detailed statement that can confirm the annual bonus payment amount.

In some cases, the amount you want to borrow is small and you do not need to submit proof of income. If you do not have all the documents in an emergency, the examination may be delayed and take time. If you have one of the income proof documents ready at the time of application, the examination will proceed smoothly.

There are three ways to apply for "SMBC Mobit".

For those who value the speed of the loan process, we recommend the "Web complete application" using a computer or smartphone. There is an advantage that the procedure can be proceeded without telephone contact or mailing. If you want to issue a Mobit card on the spot or if you have a Sumitomo Mitsui Banking Corporation nearby, you can consider applying at a loan contract machine. Applying by phone is recommended for those who prefer to follow the instructions of the operator.

Here, we summarize the details and points of each application method.

You can apply for "WEB complete" from the official website of "SMBC Mobit" using a computer or smartphone. It is a recommended method that you can apply whenever you feel like it, 24 hours a day. The flow of the "WEB complete application" is as follows.

Step ①

Step ②

Step 3 Click here to apply for SMBC Mobit

(Image: Quoted from SMBC Mobit)

There is also a method to apply at the loan contract machine in Sumitomo Mitsui Banking Corporation. The examination and card issuance process is fast, and the enrollment procedure is done by phone or online. The flow of application using the loan contract machine is as follows.

Step ①

Step ②

Step ③

Step ④

For those who would like to proceed with the enrollment procedure following the instructions of the operator, we recommend applying by phone. It is safe to ask questions on the spot that you do not understand if you apply by phone. To apply by phone, follow the steps below.

Step ①

Mobit Call Center Application Free Call Phone Number: 0120-03-5000 Business Hours: 9:00 to 21:00

If you want the screening to be completed in as little as 30 minutes, please finish the application by 19:00 on weekdays.

Step ②

Step ③

(Image: Quoted from SMBC Mobit)

When borrowing with "SMBC Mobit", there are two methods: "bank transfer cashing" and "caching at affiliated ATMs". "Transfer cashing" can be transferred to a designated account through the member-only service "Mymobi" or by phone. Once the procedure is completed, the money will be transferred to the designated bank account in as little as 3 minutes. *Depending on the day of the week and time of application, it may be handled after the next day.

There is also a way to borrow and repay using partner ATMs. Transactions at Sumitomo Mitsui Banking Corporation ATMs do not incur fees. Please note that other affiliated ATMs will charge a fee. Also, if you use the SMBC Mobit official smartphone app, you can cash at Seven Bank ATMs without using your Mobit card. Although there is a fee, it is convenient to be able to make transactions at nearby affiliated ATMs even when you are out or traveling.

Regarding repayment, there are other methods of repayment besides affiliated ATMs. This applies to deposit accounts of Sumitomo Mitsui Banking Corporation, Mitsubishi UFJ Bank, Mizuho Bank, or Japan Post Bank. There is no charge for repayment by bank transfer.

There are many people who do not want their families or workplaces to know about the use of card loans. "SMBC Mobit" is one of the few card loans that can be processed "without phone contact" and "without mailing" if it is "completed online". However, depending on the examination status and application method, phone calls and mail may occur, so it is necessary to confirm at the time of application.

Here are two things to keep in mind when using "SMBC Mobit" so that your family and workplace do not know about it.

On "SMBC Mobit", in principle, you can complete the procedure without contacting us by phone in the case of "Web complete application". However, please note that there are cases where it is necessary to contact you by phone due to incomplete documents. Depending on how you apply, we may contact your employer to confirm your attendance.

If you really want to avoid phone calls, it is a good idea to consult with the operator in advance about enrollment confirmation. The official website also advises that if it is difficult to confirm by phone, alternative confirmation can be made by submitting documents.

If you apply for "SMBC Mobit" with "Web complete", you can avoid mailing. This is because after passing the screening, the enrollment procedure can be performed directly on the Internet, and transactions can be made without the need for a Mobit card. If you don't want your family or workplace to know about it, use "Web complete" when applying.

However, in order to apply with "WEB complete", you need to have a deposit account with either Sumitomo Mitsui Banking Corporation, Mitsubishi UFJ Bank, Mizuho Bank, or Japan Post Bank. If you do not meet the conditions, it will be a "card application", but there is a possibility that you can eliminate the mailing by the following method.

How long does it take for the screening and financing of "SMBC Mobit"?

How long will it take to receive the loan?

You can expect to receive the loan in as little as 30 minutes, and if you use the dedicated app, you can receive the loan in as little as 60 minutes from the application. However, please be aware that it may take some time depending on the time of application and the status of the examination, and in some cases it may be the next day or later. Still, "SMBC Mobit" is one of the card loans recommended for those who want to borrow money in a hurry, with the top-class loan speed in the industry.

"SMBC Mobit" offers services that focus on speed, such as "10-second simple examination" and "main examination in as little as 30 minutes." However, it is also true that there are cases where it is not the "shortest" depending on the day of the week and time of application, and the examination status. Here, we will explain from various points of view how long it actually takes for the screening and financing of "SMBC Mobit".

“SMBC Mobit” takes only 30 minutes to review, and is characterized by quick response. A card loan is a convenient way to raise cash when you need funds immediately, but many people feel uneasy about the time it takes to get approved. In this regard, "SMBC Mobit", which immediately informs you of the examination results, can be said to be the perfect card loan for those who want to borrow money in a hurry.

In "SMBC Mobit", "10 seconds simple examination" will be conducted before the main examination. When you enter your personal information, the computer automatically determines the results of the provisional examination immediately. We do not guarantee the results of the final screening, but as a guideline, you will be able to proceed with the procedure knowing that there is a high probability that you will pass the screening, so you will feel secure.

The results of the "10-second simple examination" will be carried over to the main examination as they are, and additional information will be entered. With "Web Complete", the enrollment procedure is performed online, and after completion, the borrowing procedure can be proceeded without a card, so depending on the time of day, it is possible to get a loan as soon as the same day.

Basically, you will be notified of the review results of "SMBC Mobit" by email or phone. However, if you applied with "Web complete", you will only be contacted by email. Don't forget to check your e-mail for the results of the screening so that you can complete the enrollment process quickly.

Also, in some cases, you may be notified of the examination results by phone for application methods other than "Web completed". If you do not want to be contacted by phone at home, it is safe to specify the "preferred contact number" on your mobile phone when applying. However, if you cannot reach us by cell phone, we will call you at home, so be careful. Please wait for the result of the main examination while paying attention to the battery of the mobile phone and the radio wave condition.

"SMBC Mobit" can be applied for even on weekends and holidays, and it also supports same-day loans. The business hours for each window are summarized below.

Counter	Business hours
Internet (PC/smartphone)	24 Time
Phone (automatic voice guidance)	24 hours
Phone (operator support)< /td>	9:00 - 21:00 *Inquiries regarding usage are available until 18:00
Loan machine	9:00 - 21:00 *Depending on location May differ

Reference: SMBC Mobit "business hours"

Even on weekdays, we can process your application until 21:00. If you want same-day loans on weekends and holidays, apply as early as possible and call the call center (0120-03-5000) after applying. Alternatively, you can complete the application online at night and call the call center after 9:00 the next morning.

“SMBC Mobit” is a card loan that is convenient even when you go out with your family on holidays, as it can be reviewed even on weekends and holidays.

If you do not receive the results of the review even after several days have passed after applying for "SMBC Mobit", it is possible that some kind of trouble has occurred. In this case, call the Mobit Call Center immediately to confirm. Here are three possible reasons why you may not receive the review results.

If you do not receive the review results after applying for "SMBC Mobit", it is possible that the application for review is crowded. In general, it is said that card loan applications tend to concentrate more on weekends than on weekdays. In addition, applications may be crowded around long holidays such as Golden Week and the year-end and New Year holidays.

If the number of applications is high, there will be a waiting list for screening, which will take longer than usual. Apply on weekdays if possible. It is also recommended to call the call center after applying so that the examination can be started immediately.

It is possible that the received email was sorted as spam as the reason why the review results did not arrive.

Check your spam folder and you may have received the review result email. Also, if you set it to "reception from designated domains" or reject e-mails containing URLs, you will not be able to receive the review results by e-mail, so you will need to change the settings.

If the phone number you entered at the time of application is incorrect, you will not be able to receive a phone call regarding the screening results. If you do not receive a notification of the screening result even after a few days have passed after applying, please check if the phone number you used when applying is correct. If there is any mistake, please contact the Mobit Call Center as soon as possible.

There are many people who want to know how long it takes for the loan to actually arrive. SMBC Mobit sets the minimum loan time to 60 minutes. Click here to find out more about how long it takes to get a loan.

One of the merits of "SMBC Mobit" is that it is possible to get a loan on the same day. The important point here is that all the contract procedures must be completed within the time limit.

On the official website, it is clearly stated that you must apply by 19:00 on weekdays in order to obtain the screening results in as little as 30 minutes. Also, if you want a same-day loan, we recommend that you call the Mobit Call Center after applying and tell them that you are in a hurry. With this in mind, it is a good idea to start the application process as soon as possible if you are looking for a same day loan.

In addition, it is possible that the screening process will not proceed smoothly, so if the contract procedure is not completed by 21:00, the contract and borrowing procedure will be done on the next day or later. Also, in the case of weekends and holidays, it may be difficult to get a same day loan due to the business hours of the financial institution used when borrowing. It is a good idea to check the business hours of the financial institution and ATM you plan to use in advance.

(Image: Quoted from SMBC Mobit)

If you apply for "SMBC Mobit" online and then use the "SMBC Mobit Official Smartphone App", you can get a loan in as little as 60 minutes from application. If you have the app, you can use the "transfer cashing" function 24 hours a day without a phone call. Once the enrollment procedure is completed and transactions are possible, you can immediately proceed to the borrowing procedure from the smartphone application.

"Smartphone ATM transactions" are also possible at Seven Bank ATMs. It is a function that allows you to withdraw and deposit using the app without the need for a Mobit card, and in principle you can trade 24 hours a day. There are about 25,000 Seven Bank ATMs nationwide, and it is very convenient to have one near your home or work.

In addition, the app also has a function to shoot and send the necessary documents at the time of contract, which also shortens the application procedure. If you want a quick loan, don't forget to download the smartphone app when you apply.

If you have completed the contract procedure, you can transfer the money in as little as 3 minutes by performing the "transfer cashing" procedure from the member-only service "My mobi". The same is true for "Bank Transfer Cashing" on the "SMBC Mobit Official Smartphone App". *Depending on the day of the week and time of application, it may be handled after the next day.

How to borrow using the app is as follows.

Step ①
Step ②
Step ③
Step ④
Step ⑤

It is a convenient function that can be processed 24 hours a day and can be deposited 24 hours a day depending on the financial institution. However, it is recommended that you check in advance, as each financial institution has different processing times. "Transfer cashing" is a borrowing method that is attractive for its fast loan speed and no fees.

"SMBC Mobit"'s shortest 3-minute transfer loan is a useful service for sudden invitations and sudden expenses, but be careful as payment confirmation may be the next day depending on the timing. In particular, it may take some time before the transfer is completed during the following hours.

Especially for system maintenance, it is fixed every Monday from 0:00 to 7:00, and the service will be completely stopped. When borrowing money, pay attention to the timing.

Reviews of those who passed and failed the "SMBC Mobit" examination

What kind of people pass and fail the "SMBC Mobit" examination?

It is also possible to know to some extent the characteristics of those who pass and those who fail the examination from the reviews of those who actually took the examination. Looking at the actual reviews, you can see that the key points in the screening process are setting the amount you want to borrow to a small amount and whether or not you have a stable income.

It is possible to know useful information from the reviews of those who passed the examination of "SMBC Mobit" and those who failed. It's a good idea to read reviews from people who are in a similar situation to you. Here, we will introduce word of mouth published on the Internet such as SNS.

From the reviews of those who passed the examination, it is easy to pass if the desired borrowing amount is about 100,000 yen at first. Also, even if you have had a financial accident in the past, you can rest assured knowing that it will pass after a certain period of time. "SMBC Mobit" is appealing for its speed in getting loans, but there were some reviews saying that the screening process took a long time.

・I applied with peace of mind due to the kind response. I've been consolidating my debts in the past, but I'm grateful that I took on the challenge for the first time in 20 years and cleared 500,000 smoothly. (Source = twitter)

・I have filed bankruptcy in the past.

(original mom)

From the reviews of those who failed the screening, you can see that stable continuous income is seen as a criteria for screening. Also, it seems difficult to pass the examination if it conflicts with the total amount regulation. There are people who passed the simple examination but failed in the main examination, and I get the impression that the examination is being conducted properly.

・ I have borrowed more than one-third of my annual income (for cashing) Mobit and Lake were refused, but cardless VIP borrowed 500,000 yen (source = twitter)

(original mom)

"SMBC Mobit" is recommended for those who want to use a card loan without anyone knowing!

Many people worry about calling their home or place of work when using a card loan. In this regard, "SMBC Mobit" is a recommended card loan that clearly states on the official website that "no phone contact" and "no mailing" if it is "web complete". You can also rest assured that we recommend that you consult with the operator in case of urgency or telephone contact.

“SMBC Mobit” is a card loan that can be financed on the same day at the shortest, but it is necessary to be careful because it is not always possible to get a loan on the same day depending on the timing of the application and the examination status. However, it can be said that it is a card loan that can be recommended for those who are in a hurry because it provides services that focus on speed, such as "10-second simple examination" that allows you to see the examination result immediately.

FAQ about SMBC Mobit

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