By, smartwatches 03/04/2023

Is it possible to borrow a card loan without an examination? Points to pass the card loan examination

In order to get a loan with a card loan, you must pass the examination. But why do credit cards need to be reviewed? In this article, we will explain why you need a card loan review and the points to pass the review.

Can't use card loan without approval

Is card loan not available without approval?

That's right. You cannot use a card loan without an examination.

In order to use a card loan or credit card, you must be screened by the loan company or credit card company. The examination is to prevent excessive debts of the debtor, and is stipulated by the law called "Money Lending Business Law".

The purpose of the examination is to investigate the repayment ability and the limit of the loan that can be used from the credibility and annual income of the applicant for the card loan. No matter how small the amount you want to use, remember that there will always be an examination when using a credit card loan.

Screening is done to confirm in advance whether the card loan applicant has the ability to return the money.

If a large amount of money is not returned, the card loan company will be forced into bankruptcy. In order to operate the card loan soundly, it is essential to confirm the repayment ability and willingness of the applicant in advance.

From this, it can be said that the examination is an essential procedure to establish a card loan.

The card loan review is also necessary to determine the limit of the card loan. The Money Lending Business Act stipulates that financial institutions that handle credit card loans, etc., must not lend more than the total volume limit.

The total amount regulation is the maximum amount of money that a debtor can borrow as stipulated by the Money Lending Business Act. It is stipulated that no loan shall exceed one-third of the debtor's annual income. The total amount regulation covers the total amount borrowed from so-called consumer finance, credit card companies, and credit companies.

If you are in a state where you can borrow money endlessly with a card loan, some debtors will borrow an amount that exceeds their ability to repay. Debtors cannot live if all their income goes to repaying loans. In order to prevent this, a total amount control was established.

This is why card loans have limits. It is important to know that the screening is troublesome from the borrower's perspective, but it also has the purpose of protecting the user.

The unemployed don't pass the card loan screening

Once I learned the meaning of the screening, I started to feel that the unemployed couldn't pass the card loan. After all, is it difficult to pass the examination if you are unemployed?

It is illegal to lend money to someone who has no income, so I will not pass. In rare cases, even housewives (househusbands) may pass, but it is difficult.

The review verifies your ability to return the money. Therefore, if it turns out that there is no income that will be the source of repayment, the examination will not pass. The examination is based on the law, and we cannot lend money to people who do not have the ability to repay. This includes students and full-time housewives working in non-paying jobs such as schoolwork or housework.

However, in reality, even unemployed people and housewives may pass the examination of consumer finance such as card loans. Even if you are unemployed or a full-time housewife, if you can judge that you have some kind of continuous income, you may be able to get a loan depending on consumer finance.

However, it will be quite difficult compared to those who have a stable income. If you want to pass the examination of the card loan for sure, we recommend that you apply after earning a stable income even if it is a small amount.

Main examination items for card loans

What are the examination items for card loans?

The examination items for card loans are not disclosed in order to maintain fairness in the examination. However, it is thought that the examination is mainly based on three items.

Consumer finance companies do not clarify the examination items. If the details of the screening process become clear, even those who should not have been able to pass the screening process may temporarily meet the conditions and pass the screening process. It is thought that the reason why the examination criteria are not clarified is to prevent such a situation.

However, it is speculated that the following three examination items are set based on the purpose of the examination and the documents to be prepared. I will explain the contents of each.

As I explained earlier, repayment ability is checked in the examination, but the presence or absence of repayment ability is investigated not only from income but also from other items.

One of them is "attribute". The details of the check items differ from company to company, but it is thought that all of them focus on "whether you can finish paying the loan in a stable manner." Remember that even if you are currently earning a stable income, you may be rejected if other factors determine that you have concerns about payment.

The review doesn't just check attributes. Your credit report will also be checked. “Credit information” refers to past loan agreements and repayment information.

If you have used card loans or cash advances in the past, there is a high possibility that you will be rejected if you have a record of financial accidents such as delays or personal bankruptcy. Credit information is recorded with designated credit information agencies and can be checked for a fee.

There are multiple credit information agencies, and the type of information managed and the registration period vary depending on the credit agency, but the information remains for 1 to 10 years. If you have had delays, delays, forced cancellations, etc. with your credit card or card loan within the past 10 years, it would be better to raise money in a different way from the card loan.

In addition, it will be checked whether there is any borrowing or borrowing balance with other companies' credit cards or card loans. The total amount regulation applies to the total amount of borrowing balance of all credit cards and card loans. If you are borrowing up to the limit at another company, you will not pass the examination.

In addition, even if there is room in the limit, if there is borrowing from other companies, the screening may become stricter. If you still have repayments from other companies, the burden of repayment will be greater than when you use it for the first time. The greater the burden of repayment, the less likely it will be possible to repay smoothly, so consumer finance will have a sense of crisis. It can be said that it is easier to pass the examination if there is no borrowing from other companies.

If you want to use a card loan, be sure to check not only your attributes and credit information, but also whether you have a current loan.

Seven points for passing the credit card loan examination

Are there any points for passing the credit card loan examination?

In order to pass the examination, you will have to prove that you have the ability to repay with the examination criteria and credit information. Let's see if we can clear the items explained earlier.

In order to pass the examination of the card loan, it will be necessary to clear multiple factors such as whether the attributes, credit information, and desired borrowing amount are appropriate. Let's hold down the points to pass the card loan examination.

Attribution will be checked during screening. There are many attributes that can be examined in the screening criteria, but all of them are necessary to make sure that you can repay the loan stably.

For example, some of the attributes that are checked include "age" and "years of service at work", but this will not lead to a situation such as reaching retirement age before the end of the loan payment, We are checking to see if we can continue to earn stable income. Look at your attributes objectively and see if you can continue to pay off the loan without any problems.

The attributes and criteria checked in the review are not published. However, it is believed that the following attributes are mainly confirmed.

[Attributes that may be examined during screening]

< /tr>

Attributes	Possible content
Age	・Does it meet the terms and conditions of the loan company ・Are you under 20 years old or elderly, and likely to have problems with your repayment capacity?
Annual income	・Do you have enough annual income to pay back?
Place of work	・Is this a real company?・Does it lead to a stable income	/td>
Occupation and form of employment	・Do you have a job with a stable income
Income Type	・Does it lead to a stable income?
Type of residence and number of years	・Owned house or rented house (own house or rent (There may be cases where renters with less burden are evaluated)・How long have you lived in the house? and rent will affect repayment
Asset status	・Are there any assets other than income that can be used for payment
Family structure	・If the applicant cannot repay, is there a family member who can pay instead
Telephone number Type	・Fixed or mobile phone

Other attributes related to stable repayment are checked in detail I guess. Before you apply for a credit card loan, make sure there are no attributes that can negatively impact your repayment ability.

When applying for a card loan, apply for the minimum amount you want to borrow. Specifically, apply for an amount that does not exceed "one-third of the annual income" determined by the total amount regulation.

The limit of the amount you can borrow with a card loan is determined according to your income. If you request an amount that exceeds the limit, of course you will not be able to pass the examination. When applying for a credit card, pay attention not only to your repayment capacity, but also to the amount you want to borrow.

To pass the examination, it is also important that your credit report does not have any records such as delays, delinquencies, or personal bankruptcy. If you fail to meet the prescribed repayment date or repayment amount, it will be recorded on your credit report.

As you can see from the contents, they all reveal that there is a problem with repayment ability. If these records are on your credit report, it will be much harder to pass the review. Before using a card loan, make sure that your credit report is correct.

There are multiple credit reference agencies that manage credit information. Credit bureaus manage and check credit information. Note that the information management period for financial incidents differs depending on the institution that manages it.

Any institution can check your credit report for a fee. If you want to know your credit report, please contact each agency. If you have credit information that can be a negative factor, we recommend that you raise money in a different way than a card loan.

The registration period differs depending on the content of the credit information record. Below is a table summarizing the information storage period for each credit reference agency.

< td>5 years

Content	JICC	CIC	KSC
61 days or more in arrears	1 year	5 years
3 months or more in a row	5 years
Debt consolidation (voluntary consolidation, special mediation, etc.)	5 years
Voluntary bankruptcy	5 years	7 years	10 years
Forced termination	No description	5 years
Subrogation	5 years	5 years

Registration will be canceled after a maximum of 10 years, even if you have caused delinquency or personal bankruptcy in the past. If the registration has disappeared, there is no problem in applying for a card loan. If you have a problem with your credit report, do not apply for a credit card loan until the record of the information disappears.

False declarations can be a major cause of rejection. Please be accurate when applying.

The information you declare will always be checked during the review process. It goes without saying that you should not make false declarations, but you should also avoid giving vague information. Even if you make a vague declaration and the information is incorrect, it may be considered that there is a problem with your repayment ability and may cause you to fail the examination. Please make sure that the information required for the application is correct.

If you gather the necessary information for the application, the process will go smoothly. When applying, be sure to prepare a document or memo that summarizes the necessary information in advance.

If you have a loan from another company, pay it off before applying. If you are already heavily borrowed from other companies, additional borrowing will be a burden at the time of repayment. Judging is likely to be more stringent.

In addition, the total volume regulation applies to all loans based on the Money Lending Business Act. Even if the borrowing amount of other companies is within the total amount regulation, if it exceeds the total amount regulation when combined with the desired card loan amount, it will not pass the examination. If you already have a loan product, including a card loan, focus on paying it off first.

The repayment history is very effective information to proceed with the screening. It is desirable that you have paid in full, but even if you have not been able to pay in full, do not delay the repayment. If your loan balance is small, you may be able to proceed with the review in an advantageous manner.

On the official website of the card loan company, preliminary screening and simple judgment may be performed.

It is a function to judge whether to pass the examination from items such as age and income. It is often installed on the official website of the card loan company, and you can judge whether you are likely to pass the examination before applying for a loan. The content is rough because it judges with fewer items than a normal examination, but it is useful as a simple judgment whether you can borrow.

If it is judged that borrowing is difficult in the preliminary examination, it is thought that the reason is that the balance between the amount you want to borrow and your income is not good. The pre-examination itself can be done as many times as you like, so let's check the amount you can borrow while adjusting the desired amount.

If you fail the examination and immediately apply again, the card loan company will judge you as "a person who is having a lot of trouble with money." If you are judged to be a person who is in need of money, it is meaningless to prepare information that is advantageous for the examination. Before applying for a card loan, make sure that you pass the pre-screening before applying.

The act of contacting the declared workplace and checking whether the applicant is really enrolled at that workplace is called "enrollment confirmation". Enrollment confirmation is mainly done by telephone contact to the place of employment.

Enrollment confirmation is often confirmed by calling the individual name based on the employer information presented by the applicant, but depending on the occupation and workplace, it may be difficult to answer the phone to confirm enrollment. There will be If it is difficult to receive a phone call to confirm your enrollment, please be sure to consult with us before applying.

Some card loan companies will respond by submitting documents if you tell them that it is difficult to confirm your enrollment over the phone. Depending on the card loan company, there are cases where it is stated on the official website that they are confirming their enrollment in documents, so be sure to check in advance.

The card loan company always has a call center for applications and repayments. If you have any concerns about screening or repayment, not limited to enrollment confirmation, please contact the call center.

Recommended list of consumer finance and borrowers

Please let me know which card loan companies are easy to pass the examination!

Since the examination criteria are not disclosed, it is not possible to say unconditionally whether it is easy to pass or fail the examination. However, there are many users of major card loan companies and bank card loans, and it can be said that many people pass the examination. Each loan has its own characteristics, so it is important to choose a loan company that is easy for you to use.

< td>Image< td> td>< td>At least 60 minutes td>< td>4.5-18.0% td>< td>Up to 8 million yen td>

Name	Promise	Aiful	Acom	Lake ALSA	SMBC Mobit	Sumitomo Mitsui Card Card Loan	au PAY Smart Loan	ORIX Credit

Loan speed (minimum)	minimum 1 hour	minimum 25 minutes	Minimum 30 minutes	Minimum 60 minutes	Minimum same day	Minimum same day*1	Minimum same day	Same day
Review period	30 minutes minimum	25 minutes minimum	Minimum 30 minutes	Minimum 15 seconds	Minimum 10 seconds simple examination	Minimum same day*1	Minimum 30 minutes
Web complete	Until financing	Until financing	Until financing	Until Loans	Until Loans	Until Loans	Until Loans	Until Loans
Interest rate (real interest rate)	4.5-17.8%	3.0-18.0%	3.0-18.0%	3.0-18.0%	1.5-15.0%	2.9-18.0%	1.7-17.8%
Interest free period	30 days	30 days	30 days	Up to 180 days (up to 50,000 yen of the loan amount, otherwise 60 days)	None	Up to 3 months with campaign	None	None
Borrowing limit	Up to 5 million yen	Up to 8 million yen	Up to 5 million yen	Up to 8 million yen*2	Up to 9 million yen to at least 100,000 yen	Up to 1 million yen	Up to 8 million yen
Transaction fee	No	No	No	No	No	No	No	No
Borrowing method	・Direct transfer・Promise ATM・Partner ATM・Sumitomo Mitsui Bank ATM	・Direct transfer・Seven Bank ATMs, Lawson Bank ATMs, affiliated ATMs	, internet, convenience stores, ACOM store counters, ACOM ATMs, transfers, shopping centers	, designated account transfers, Seven Bank ATMs, Shinsei Bank cards Loan ATM, Affiliated ATM	, Remittance Cashing, Affiliated ATM	, Designated Account Transfer, Remittance Cashing, Seven Bank ATM, Lawson Bank ATM, Mitsubishi UFJ Bank ATM, Mizuho Bank ATM, Japan Post Bank ATM, partner ATM	, registered account transfer, au PAY balance charge, Seven Bank smartphone ATM	, designated account transfer, Seven Bank ATM, Lawson Bank ATM, AEON Bank ATM・Mitsubishi UFJ Bank ATM ・Sumitomo Mitsui Bank ATM ・Japan Post Bank ATM ・Partner bank ATM・Promise ATM・Convenience store	・Transfer・Account transfer・Affiliated ATM・Aiful ATM・Convenience store	・Internet・Acom ATM・Affiliated ATM・Over-the-counter counter・Withdrawal from bank account	・Shinsei Bank card loan ATM・Withdrawal from designated account・Affiliated ATM・Bank transfer	・Account transfer・Affiliated ATM・Bank transfer・Internet repayment	・Automatic withdrawal from bank account・Online repayment ・Seven Bank ATM ・Lawson Bank ATM ・Mitsubishi UFJ Bank ATM ・Mizuho Bank ATM ・Japan Post Bank ATM ・Affiliated ATM	・Withdrawal from designated account・Transfer to designated account・Seven Bank ATM・Lawson Bank ATM・Aeon Bank ATM・Mitsubishi UFJ Bank ATM・Sumitomo Mitsui Bank ATM・Japan Post Bank ATM・Affiliated bank ATM・WEB repayment

*1 It may differ depending on the confirmation items after completing the application and the submission status of the identity verification documents. *2 If it is your first time, the normal interest rate will be applied after the interest-free period has passed from the day after the initial contract. 30 days no interest, 60 days no interest, 180 days no interest cannot be used together. If the contract amount is more than 2 million, only 30 days interest free. 180 days interest-free contract amount up to 1 to 2 million yen. * Data quoted from each company's official website

(Image = quoted from Promise official website)

[Card loan features]

< th>Borrowing limit

Loan speed (shortest)	・Minimum 1 hour
Screening period	・Minimum 30 minutes
Web complete	・Until financing
Interest rate (real interest rate)	・4.5～17.8％
No interest period	・30 days
・Up to 5 million yen
Transaction fee	・Not required
Borrowing method	・Direct transfer・Promise ATM・Partner ATM・Sumitomo Mitsui Banking ATM
Repayment method	・Internet repayment・Account transfer・Over-the-counter window・Promise ATM・Convenience store

* Data quoted from Promise official website

It features a low borrowing rate among major consumer finance card loans. With a real annual rate of 4.5 to 17.8%, the interest rate is low, making it an easy-to-use card loan.

Promise has a smartphone app that allows you to borrow and repay without a card. Loans and repayments can be made online, so there is no need to worry about sending documents or receiving mail. Even those who do not want others to know that they are using a card loan can use it with peace of mind.

Card loans can be borrowed without screening ?Points for passing the card loan examination

There are several types of ATMs that can be used for borrowing and repayment, so it is easy to use for borrowing and repayment. Promise offers multiple repayment methods, but none of them incur any repayment fees. It is a card loan that can be used systematically because it is easy to repay.

Promise is limited to first-time borrowers, and offers a service that allows you to receive interest-free loans for 30 days (*1). If you only need money for a short period of time, you can use Promise to save money without paying interest. If you want to use a card loan for a short period of time, or if you are looking for an easy-to-use card loan, let's use Promise. *1 You need to register your email address and register to use the web statement.

Click here to apply for Promise (Image = quoted from Aiful's official website)

[Characteristics of card loans]

< th>Borrowing limit< tr>< td>・Transfer・Account transfer・Affiliated ATM・Aiful ATM・Convenience store

Repayment method
Loan speed (shortest)	・Minimum 25 minutes
Screening period	・Minimum 25 minutes
Web complete	・Until financing
Interest rate (real interest rate)	・3.0～18.0%
No interest period	・30 days
・8 million yen
Transaction fee	Not required
Borrowing method	・Designated account transfer・Seven Bank ATM・Lawson Bank ATM・Affiliated ATM

* Data quoted from Aiful official website

Aiful's feature is that the review period is as smooth as 25 minutes at the shortest. If it is between 9:00 and 21:00, which is Aiful's examination response time, you will receive a notification of the examination result within 30 minutes. You can use it with peace of mind even if you suddenly need money on a holiday because the examination can be done at the same time on weekends and holidays.

If you consult with Aiful in advance, it is possible to confirm your enrollment with the specified documents. Even those who are troubled by receiving a phone call to confirm their enrollment can use the service with peace of mind.

As with Promise, Aiful can complete everything from application to financing online using a smartphone. No postage required.

On the other hand, face-to-face contracts at stores are also possible. It is recommended for those who use card loans for the first time because you can apply for a loan while receiving explanations and consultations from the staff. However, please note that the store hours are set.

We also have a toll-free number for women, and you can also use a dedicated women's loan.

Aiful can be said to be an easy-to-consult card loan company that treats users with courtesy.

Click here to apply for Aiful (Image = quoted from Acom official website)

[Characteristics of card loans]

< th>Borrowing limit >

Loan speed (shortest)	・Minimum 30 minutes
Screening period	・Minimum 30 minutes
Web complete	・Until financing
Interest rate (real interest rate)	・3.0～18.0％
No interest period	・30 days
・Up to 8 million yen
Transaction fee	・Not required
Borrowing method	・Internet・Convenience store・Acom counter・Acom ATM・Transfer・Shopping center
Repayment method	・Internet・Acom ATM・Affiliated ATM・Over-the-counter counter・Withdrawal from account

* Data quoted from Acom official website

Acom provides a "3-second diagnosis" that allows you to quickly determine if you can borrow by simply answering three questions. It is easy to use because you can easily decide whether you can borrow. There are multiple ways to apply.

If you apply for a loan other than by mail, you can receive the loan on the same day. There are multiple repayment methods and many affiliated ATMs, so you can repay anytime, anywhere. ACOM has about 900 ATMs nationwide. It's a nice merit to be able to pay back easily even when you don't have time.

Regarding the phone number for confirmation of enrollment, the official website has the following information.

Furthermore, there is a statement that "If you have any concerns or concerns due to individual circumstances, please contact the ACOM call center." prize.

In addition, Acom offers a service that allows you to borrow money in as little as 1 minute 24 hours a day, only for those who have a Rakuten Bank account. There is also a 30-day interest-free period service, so if you have a Rakuten Bank account, it is a card loan company that I would definitely recommend.

Click here to apply for Acom (Image = quoted from Lake ALSA official website)

[Characteristics of card loans]

< /table>

*No interest from the day after the first contract for the first time. *Normal interest rate applies after the interest-free period has passed. *30 days no interest, 60 days no interest, and 180 days no interest cannot be combined. * If the contract amount exceeds 2 million, only 30 days interest free. * Those who apply online and have a contract amount of 1 to 2 million yen. *Those who applied other than on the web cannot choose interest-free for 60 days. *Contract amount from 1 to 2 million yen.

* Data quoted from Lake ALSA official website

If you use the interest-free period service, you can borrow up to 50,000 yen from the day after the initial contract and use the interest-free period for up to 180 days. This is a service not offered by other credit card companies. However, please note that there are conditions for the interest-free period and the target amount.

If you use the interest-free period service, you can use it systematically even with a small amount. The interest rate is a little higher than other card loan companies, but if you can take advantage of this interest-free period service, you won't worry too much. Lake ALSA is convenient if you want to borrow a small amount with a card loan and pay it back little by little, or if you emphasize planned repayment.

If it is a web contract without mailing, it can be reviewed in as little as 15 seconds. Loans are accepted 24 hours a day, but if you want to be screened at the shortest time, you can do so immediately after applying if it is between 8:10 and 21:50 (8:10 to 19:00 on the third Sunday of every month). You can check the examination results on .

Since there is a smartphone app and it can be used without a card, it can be used easily by those who want to complete procedures quickly or who do not want others to know that they are using a card loan.

Click here to apply for Lake ALSA (Image = quoted from SMBC Mobit official website)

[Characteristics of card loans]

td>
Loan speed (shortest)	・Shortest same-day loan
Screening period	・Minimum 15 seconds
Web completion	・Until financing
Interest rate (real interest rate)	・4.5～18.0%
Interest-free period	・Up to 180 days (up to 50,000 yen of the loan amount, Other than 60 days) *
Borrowing limit	Up to 5 million yen
Transaction fee	Not required
Borrowing method	・Direct transfer・Seven Bank ATM・Shinsei Bank card loan ATM・Partner ATM
Repayment method	・Shinsei Bank card loan ATM・Withdrawal from designated account・Partner ATM・Bank transfer

< td>・A minimum of 10 seconds simple examination

Screening period
Loan speed (shortest)	・Shortest same day*1
Web complete	・Until financing
Interest rates ( Real interest rate)	・3.0～18.0％
No interest period	・none
Borrowing limit	・Up to 8 million yen
Transaction fee	・Not required
Borrowing method	・Transfer cashing・Affiliated ATM
Repayment method	・Account transfer・Affiliated ATM, bank transfer, Internet payment

*1Depending on the day of the week and the time of day, it may be processed on the next day or later. * Data quoted from SMBC Mobit official website

SMBC Mobit is characterized by a provisional screening at the time of application. If you make an inquiry by phone after applying online, you can receive a provisional examination. Since the information is obtained in advance from the provisional screening before proceeding to the main screening, the time from screening to financing is short, and the money is transferred to the account in as little as 3 minutes (*). It takes a bit of time and effort, but it is a nice merit that the time to loan is much shorter than other card loan companies.

In addition, it can be said that there are many affiliated ATMs and the services at ATMs are substantial. There is no charge for using Sumitomo Mitsui Banking Corporation ATMs. With Seven Bank ATMs, you can make deposits and withdrawals 24 hours a day using an app downloaded to your smartphone, making borrowing and repayment easier.

The fact that you can collect T points on repayments is a benefit that other card loan companies do not have. 1 point can be used for repayment as 1 yen equivalent. There is also a loan card that has a T card function and a credit card function, so it is more profitable if you usually use T points.

Unlike other companies, SMBC Mobit does not have an interest-free period service, but there are plenty of other services. It can be said that it is a card loan company that is compatible with those who want to get a loan immediately and those who use T points and Sumitomo Mitsui Banking on a regular basis.

*Depending on the day of the week and the time of application, it may be handled after the next day.

Click here to apply for SMBC Mobit (Image = quoted from Sumitomo Mitsui Card official website)

[Characteristics of card loans]

th>

Interest rate (real interest rate)
Loan speed (shortest)	・Same day at shortest
Screening period	・Shortest same day
Web complete	・Up to financing
・1.5～15.0％
Interest-free period	・Up to 3 months with campaign
Borrowing limit	・Up to 9 million yen
Transaction fee	・Not required
Borrowing method	・Debit to designated bank account・Transfer cashing・Seven Bank ATM・Lawson Bank ATM・Mitsubishi UFJ Bank ATM・Mizuho Bank ATM・Japan Post Bank ATM・Affiliated ATM td>
Repayment method	・Automatic withdrawal・Web repayment・Seven Bank ATM・Lawson Bank ATM・Mitsubishi UFJ Bank ATM・Mizuho Bank ATM・Japan Post Bank ATM・Partner ATMs

* Data quoted from Sumitomo Mitsui Card official website

If you use the "initial transfer service", you can borrow cash before the loan card arrives. If you use the app, you can borrow and repay procedures on the web.

We have adopted a mechanism that allows you to receive preferential interest rates according to your repayment performance, and the interest rate will decrease year by year according to your repayment performance. It will decrease by 0.30% from the year following the borrowing year, and can be reduced up to a maximum of 1.2%. You can choose the repayment date from 10 days or 26 days, so you can set the repayment date according to your income status.

From this, if you want to borrow a large amount or have a long-term repayment plan, you can say that it is a very convenient card loan. There are many ATMs that can be used for both borrowing and repayment, and it is possible to use it easily because it is possible to respond via the web or telephone. Since additional repayments can be made on dates other than the repayment date, it is possible to repay a larger amount than usual when funds are available.

Although card loans are suitable for those who want to repay in a long-term and planned manner, they are not completely incapable of flexible responses. If you use it wisely, you can get a better deal than other credit cards.

(Image = quoted from au PAY smart loan official website)

[Characteristics of card loan]

Loan speed (shortest)	・Same day loan
Screening period	・Minimum 30 minutes
Web complete	・Until financing
Interest rate (real interest rate)< /th>	・2.9～18.0％
No Interest Period	・None
Borrowing limit	・Up to 1 million yen
Transaction fee	・Not required
Borrowing method	・Registered account transfer・au PAY balance charge・Seven Bank smartphone ATM
Repayment method	・Withdrawal from designated account ・Transfer to designated account ・Seven Bank smartphone ATM

* Data quoted from au PAY Smart Loan official website

This is a loan product of au Financial Service Co., Ltd. and can be used if you have an au ID. Since the process from application to screening is based on the au ID, mistakes in the application information are less likely to occur, and the number of new input items is reduced. Since all applications are made online, the examination time is short and hassle-free.

The biggest feature of this card loan is that you can charge the borrowed money directly to au PAY. The charged balance can be used for payment with au PAY prepaid card or au PAY. The maximum credit limit is 1 million yen, which is a small amount compared to other card loans, but the advantage is that you can prevent overuse.

The amount you use can be saved as Ponta points. Ponta points can be used at stores such as au and Lawson, so it is also recommended for those who want to use points at great value. This card loan is recommended for those who want to use the card loan for small purchases and those who regularly use au PAY/Ponta points.

However, please be careful if you would like to confirm your enrollment by submitting documents, as enrollment can only be confirmed by phone.

Click here to apply for au PAY Smart Loan (Image = quoted from ORIX Credit official website)

[Characteristics of card loan]

< th>Borrowing method< /tr>

Loan speed (shortest)	・Same day at shortest
Screening period	・Minimum 60 minutes
Web complete	・Until financing
Interest rate (real interest rate)< /th>	・1.7～17.8％
Interest-free period	－
Borrowing Limit	・Up to 8 million yen
Transaction fee	No
・Debit to designated bank account・Seven Bank ATM・Lawson Bank ATM・Aeon Bank ATM・Mitsubishi UFJ Bank ATM・Sumitomo Mitsui Banking ATM・Japan Post Bank ATM・Partner bank ATM
Repayment method	・Withdrawal from specified account・Transfer to specified account・Seven Bank ATM・Lawson Bank ATM・AEON Bank ATM・Mitsubishi UFJ Bank ATM・Sumitomo Mitsui Bank ATM・Japan Post Bank Bank ATM/partner bank ATM/WEB repayment

* Data quoted from ORIX Credit official website

You can complete the contract with a single smartphone on the same day with our unique service "Sokkei". It is possible to borrow as soon as the same day. Another advantage of having an ORIX Bank account is that you can use card loans without opening a new account.

For both borrowing and repayment, you can use any ATM located at convenience stores. ORIX Credit has multiple loan products, so you can choose the product that suits you best. There are also loan products that allow you to accumulate Ponta points, so it is also recommended for those who use points. For this reason, ORIX Credit can be said to be an easy-to-use card loan that meets many needs.

Orix Credit provides a service that allows you to add a cancer insurance rider free of charge. If the insured is diagnosed with cancer and dies or becomes severely disabled, the insurance proceeds will be applied to the unpaid debts. Even in the worst case, we have devised ways to ensure that those left behind do not have to worry about repayment.

Apply for ORIX Credit

Characteristics of those who fail the examination

Even recommended card loans fail sometimes, right? Are there any characteristics of people who fall?

There are various reasons for failing the examination, but common causes include problems with repayment ability and credit information. Before you sign a credit card loan, check your repayment ability and credit score.

The reasons for failing the examination are not disclosed, just like the examination criteria. However, it is thought that those who failed the examination have common characteristics.

In the next section, I will explain each feature in detail.

If your ability to repay is determined to be low or low, you will not be able to pass the examination. If the following characteristics apply, it will be judged that the repayment ability is low.

Card loan companies focus not only on income, but also on stability. Since you will be lending money on the condition that you will repay a fixed amount each month, no matter how high your annual income is, if there is a difference in monthly income, it will be difficult to pass the examination. Specifically, those who have months without income.

If there is a month with no income, there is a high possibility that you will not pass the screening or your limit will be set lower than your desired amount. When considering a card loan, pay attention not only to your annual income but also to the stability of your income.

Even if you have favorable conditions for the examination, if there are many borrowings from other companies, there is a high possibility that you will fail the examination. If your loan is dropped due to excessive borrowing from other companies, it may be due to the following characteristics.

Let's know the characteristics of each and why they fail the examination.

"Repayment ratio" is the ratio of annual debt repayment to annual income. The higher the loan, the more the repayment puts pressure on the cost of living, leading to the inability to repay.

The ideal repayment ratio that can be repaid every month is generally said to be "around 35.0% of annual income". During the screening, your annual income and repayment status of borrowings from other companies will also be checked. If the repayment ratio, which is the sum of the applicant's desired amount and annual income and borrowing from other companies, exceeds 35.0%, it is likely that the application will be rejected. When applying for a card loan, be sure to check the percentage of your annual income that your repayments account for.

Total volume control is also relevant. Since the total amount regulation applies to the entire loan product used, there is a high possibility that the examination will be rejected if there is a large amount of borrowing. The total amount regulation is determined by law as the amount of one-third of the annual income. If you are in conflict with the total volume regulation, the only way to clear the examination is as follows.

The quickest and most realistic way is to change to the desired amount within the total amount regulation. New loans cannot be used if you have already used the loan to the limit of the total amount. Before applying for a new loan, make sure that the amount you want does not conflict with the total amount limit.

The so-called bicycle operation, which continues to repay the borrowed money, is also a cause of failing the examination. Your credit report also records your borrowing history. If the card loan company checks the usage history and can determine that the applicant has borrowed money to repay, it is expected that new loans will not be accepted.

In the state of borrowing to return money, the "principal", which is the borrowed money itself, will never decrease. The bicycle business will one day go bankrupt. In order to avoid bankruptcy, if you are in a bicycle operation state, first consider repayment or debt consolidation.

If you are using multiple loans, such as when you are caught in a bicycle operation, consider a "consolidation loan." A consolidation loan is a product that makes it easier to pay off the loan products used by multiple loan companies into one. Since it is not subject to the total amount regulation, there is a possibility that borrowing exceeding one-third of the annual income will pass the examination.

You can reduce the burden of repayment by consolidating multiple loan payments at once. However, please note that if the repayment period is extended, the total repayment amount may increase depending on the content of the adaptive interest rate.

In addition, it is also effective to organize the repayment contents by consolidating the debt. But keep in mind that it will be recorded on your credit report. If you have borrowed up to the maximum amount and are having difficulty repaying it, or if you are struggling to pay it off and are unable to increase your income, you may want to consider debt consolidation as well as a consolidation loan. hands.

Even if there is information such as delinquency or non-payment in the credit information agency, it will be easier to fail the examination. If information such as delays in credit card loans remains in the credit information agency, it is generally called a “financial blackout” state, and it will be disadvantageous for the examination.

The length of time that financial accident information, such as delays and unpaid payments, remains in the record differs depending on the credit information agency and the content. Some last up to 10 years. If you have any idea of the financial accident, let's think that you can't sign a new card loan contract for a few years. If you remember having a financial accident, it is wiser to prepare your money in a different way than a credit card loan.

Solution for those who failed the screening and those who are unemployed and unable to borrow money

What should I do if I fail the screening for a card loan?

Card loans aren't the only way to prepare money. There are other ways. If you fail the card loan review, please try using the methods we will introduce below.

Even if you fail the card loan review, you can prepare money in other ways. If you cannot pass the examination, or if you have concerns about the examination, use the following methods.

If you are a company employee, you may be able to take advantage of the "in-house loan system". The in-house loan system is a system in which the company lends money to employees as part of the company's welfare program. Loan conditions differ from company to company, but conditions tend to be limited, such as ceremonial occasions and hospitalization.

Basically, this system can only be used by regular employees, but in rare cases, if the conditions are met, non-regular employees such as part-time workers can also use it. If you work for a company, first check if you can use the in-house loan system.

Some credit cards come with a "cash advance". The "cash advance" is a different usage limit from the "shopping limit" that can be used for shopping, and you can borrow using a credit card. If the amount is within the usage limit, you can borrow cash with a credit card.

Cash advances can be used immediately from ATMs affiliated with credit cards. In addition, since the examination is performed when you apply for a credit card, it is not necessary. However, like a card loan, interest is incurred, and in the month of payment, you have to pay the total amount including the shopping quota. If you use your credit card's cash advance limit, be careful of the payment amount.

If card loans are not available, using a pawn shop is also effective. A pawn shop keeps items such as precious metals and leather goods and lends money according to the item. No inspection is required as the goods are collateral.

Items deposited can be returned if the money is paid off by the specified deadline. However, since the amount that can be borrowed varies depending on the value of the item deposited, it may be difficult to prepare the necessary amount of money depending on the value and condition of the item. Please note that the value of the item will be the amount that can be borrowed.

It's also a good way to sell unwanted items in your home. If you consider not only thrift shops but also flea market apps and online auctions, you can sell many things. For example, the following items are often sold at recycle shops, flea market apps, and online auctions.

These are common items that can be found in any house, but it is also possible to prepare a large amount of money if you manage to some extent. You can also dispose of unnecessary items, which helps keep your home organized. Another advantage of selling unwanted items is that you can do it in parallel with the method of borrowing money at a pawn shop that I explained earlier.

"Microfinance" is a service for those who are in trouble without money. It was originally started to help the poor in developing countries, but now the service that can be used in Japan is spreading.

Mainly financial institutions, banks and credit bureaus operate microfinance services. Since the goal is not to lend money itself, but to help the poor to become independent, the amount that can be used is often several thousand to several hundred thousand yen. While lending money, it provides jobs and educational opportunities to promote independence.

Microfinance has different conditions for each financial institution that provides the service. Below are the terms and conditions of Grameen Nippon, which actually operates microfinance.

Looking at the conditions, you can see that the microfinance of "Grameen Nippon" is a service to support those who are aiming for employment. In this way, the conditions for microfinance are different, so if you are considering using microfinance, start by researching the conditions.

In addition, it is also a good idea to consult with the Life Support Fund. "Life support fund" is a general incorporated association that is operated for the purpose of relieving those who are suffering from debt. In addition to financing for the minimum necessary amount such as living expenses, you can also consult about debt consolidation and rebuilding your life.

The General Incorporated Association Livelihood Support Fund is operated with financial support from members of the Individual Rehabilitation Fund Anonymous Association II, which participates in the Individual Rehabilitation Fund.

The amount of money you can borrow from the Life Support Fund varies depending on the content of your consultation. However, we basically do not lend excessively beyond 1/3 of annual income. Remember that the interest rate is fixed at 12.5% regardless of the amount, so depending on the amount you can borrow, you may pay higher interest than a card loan.

Also, unlike card loans, the repayment period is fixed. The repayment period must be paid off within 1 to 120 months (10 years). When using the Life Support Fund, please understand that there are interest rates and repayment periods.

The life support fund is supported by members and repayers helping each other, so those who disturb the circle of support cannot receive support. Therefore, the terms of use have been established.

First of all, as a minimum condition, there is "a state where neither the government nor financial institutions can borrow money", and then it is judged whether there is a will to rebuild the current situation. You may be asked if you can really use public assistance or a loan from the government, so make sure you understand your situation accurately.

Some of the loans and support are public ones provided by the government. If you are facing a problem that is difficult to solve by yourself, such as illness or injury, consider using public loans and support. The following support is famous among public support. Let's remember it in case of emergency.

The Livelihood Welfare Fund Loan System is a public loan available to households that meet certain conditions. Households that meet the following conditions are eligible.

This condition is set because it is done for the purpose of rebuilding the poverty caused by unemployment and income loss. It is one of the safety nets, and it is possible to obtain financing according to various situations.

[Funds that can be used in the livelihood welfare fund loan system]

Types of Funds

Purpose of Funds

Comprehensive Support Funds

・Reconstruction of life/Expenses required for housing contracts

Welfare funds

/Expenses necessary for medical treatment and living Expenses for repairs Expenses for obtaining welfare equipment, nursing care, and services for persons with disabilities

Education support funds

Expenses required for admission and attending school

Real estate collateral type living expenses

・For low-income elderly households, a certain amount of residential Funds to lend living expenses with real estate as collateral ” is available. As it is called a "loan", it takes the form of borrowing money from the government and must be repaid. However, if you meet the conditions, you can borrow with no interest or low interest.

You can receive detailed explanations about welfare fund loans for mothers, children, fathers and widows at the welfare office of the prefecture or municipality where you live. If you are raising a child on your own and suddenly need money or are in financial difficulty, start by consulting with the welfare office.

The "Emergency Petty Fund" is one of the livelihood welfare fund loan systems.

For low-income households and households with disabled or elderly people who find it difficult to borrow from financial institutions, it is possible to use the "Livelihood Welfare Fund System" at no interest or low interest.

Although the limit is set at 100,000 yen, it is a system that anyone can use as long as they meet the conditions. Emergency petty funds can be received at the Social Welfare Council of the prefecture or municipality in which you live.

However, due to the large number of applicants, it may take several weeks for the payment to be made. If you need money right away, contact a government office or other welfare consultation center as soon as possible.

If the consent of the spouse is obtained, the "spousal loan system" can be used. The spousal loan system is a system that allows you to receive a loan using your spouse's income. Even if you have no income, you can get a loan if your spouse has a stable income. Even if you do not pass the card loan examination by yourself, you may pass the examination if you can prepare the following necessary documents.

In the spousal loan system, the information of the spouse himself/herself is screened. Even your spouse should not use your information without your consent. Be sure to obtain the consent of your spouse before using the system.

In addition, there are card loan companies that cannot use the spousal loan system. This is because the card loan company decides whether to apply the spousal loan system. If you want to use the spousal loan system, check whether the card loan company you are considering is compatible with the system.

If you are receiving a pension, you can use the "pension secured loan system" that allows you to receive a loan with your pension as collateral. The conditions for receiving the annuity secured loan system are receipt of the following pension and presentation of the annuity certificate.

Source: Ministry of Health, Labor and Welfare "Information on Pension Secured Loan System"

According to the Money Lending Business Act, it is basically not allowed to make loans with pensions as collateral. However, this pension secured loan system is a system that is legally permitted to receive a loan with the right to receive pension as collateral. As permitted by law, the Pension Secured Loan Scheme has various conditions.

One of them is the contents of the loan. Loans are only available if:

When receiving a loan, in order to prove that there are actual expenditures of these contents and the amount required for the loan, it is necessary to submit the specific usage of the expenditure and an estimate. yeah. The loan amount is also subject to conditions, and the amount must meet all of the following conditions.

There are quite a few conditions, but the loan interest rate is 2.8%, which is considerably lower than card loans. If you cannot use a card loan due to your pension life, consider using the pension collateral loan system.

Some life insurance companies have a system that lends out part of the "surrender refund" that you get when you cancel your life insurance. This system is called the "policyholder loan system."

Since the cash surrender value consists of the premium paid by the policyholder, the insurance company will not lose money even if it receives a loan. Therefore, you can borrow at low interest rates. You can claim money just by completing the borrowing procedure.

The point to note is that you need to pay it back before you receive the insurance money. If the money you borrowed has not been repaid when you receive your insurance claim, the amount you borrowed will be deducted from the amount you are paid.

In addition, if the sum of the borrowed amount and the interest exceeds the surrender value, the insurance itself will expire. Be careful not to borrow a large amount just because you can borrow at a low interest rate. Insurance that can use the policyholder loan system includes the following.

If you want to find out if you can use policyholder loans with your own insurance, contact your insurance company.

Japan Post Bank offers an automatic loan against savings. This is a product that automatically lends you the shortfall when you withdraw more money than you have in your regular savings account. If you add this function to your monthly withdrawal account, you will be less likely to forget to make a payment. Savings collateral automatic loans are collateralized by the following savings products:

Source: Japan Post Bank "Automatic loan against savings collateral"

You can borrow up to 90.0% of the deposit, up to 3 million yen. The loan period is 2 years and the interest rate is low. It's convenient, but keep in mind that it's still a loan.

Things you should never do even if you want to borrow money without screening

I heard that there are companies that allow you to borrow money without screening.Is that true? Is it okay if I borrow money?

Illegal dealers such as "Yamikin" claim that they can borrow money without screening. Never use it! There are other illegal things besides dark money. Remember.

Being able to borrow money without screening is an act that is a crime or a money exchange that can cause trouble. Learn how to avoid borrowing money.

A trader who advertises as "no screening" or "soft screening" is a black market lender, the so-called "Yamikin". Never borrow money from a financial company that operates without complying with the Money Lending Business Act. Yamikin has the following characteristics, so if you have even the slightest idea, you should never use it.

The best way to find out if a lender is safe before getting a loan is to check the money lender registration number. You can check the money lending business registration number on the website of the Financial Services Agency.

If you feel even a little suspicious, check the website of the Financial Services Agency to see if it is a safe company.

Yamikane schemes vary greatly. The modus operandi is constantly being updated and many people are being victimized. Typical methods include the following.

It goes without saying that we don't borrow money from places that we feel suspicious about, but some tricks demand repayment and payment of interest from people who are completely in need of money. If you think something is wrong, contact the police immediately.

When you hear Yamikin, there is a strong image of threatening and illegal collection, but recently, "soft Yamikin" who approaches people who are in need of money with a gentle attitude is rampant. Even if the attitude is polite, what you are doing is no different from the conventional Yamikin. If you come across a broker who meets the conditions of the black market, even if they seem friendly at first glance, please contact the police immediately.

Soft Yamikin targets those who meet the following characteristics. Be careful if you have any concerns.

"Credit card cashing" is a way to get cash by selling goods purchased with card payment. Although it is not explicitly designated as a violation of law, many card companies designate it as a prohibited matter. If the card company finds out that the card has been converted into cash, it may suspend the use of the card.

Some of the illegal vendors recommend cashing your credit card, so be careful. It is recommended to purchase cheap products at a high price from a credit card cashing company and receive cash back from the company as a benefit. Even if you are deceived by such a company, it is inevitable that your card will be suspended. Never cash out your credit card.

Frequently asked questions and answers about credit card loan reviews

Let's keep track of the points that pass credit card review

There is always a credit card review. Each company does not disclose their screening criteria, but it is thought that they will be judged based on various attributes and credit information.

Even if you hold down the points introduced this time, it does not necessarily mean that you will pass the examination. But to increase your chances of passing even a little, let's take measures.

・7 points to overcome the pinch of "I don't have money"・ [Promise and SMBC Mobit] Compare and commentary on the card loan services of the two companies ・ What are the benefits of using Promise? Thorough explanation of its features from word of mouth and reputation What should I do to receive a small loan? Commentary on recommended apps and services How to borrow money with consumer finance? Recommended services and features explained