Explanation of the reputation and features of ORIX Credit “Cardless VIP”

Many people may be considering a card loan for reasons such as "I have a sudden job transfer and I don't have enough money to move" or "I need money for a family member who is hospitalized urgently". Is it not? ORIX Credit handles six types of loans, including VIP loan cards and cardless VIP. In this article, while spotlighting cardless VIP, we will introduce in detail the features, disadvantages, reputation, procedure method, etc.

What is ORIX Credit?

What is ORIX Credit?

ORIX Credit is a consumer finance company with characteristics such as "the shortest same-day borrowing", "easy to prepare large amounts of funds", and "low interest rates". We offer a wide range of easy-to-use loans, from first-time borrowers to large-scale borrowers.

The card loans handled by ORIX Credit have the following three characteristics.

・"Sekkei" contract that can be signed on the same day at the earliest・Spacious contract frame from 300,000 yen to a maximum of 8 million yen・1.7 to 17.8% for VIP loan cards, 1.7 to 17.6% for cardless VIP Borrowing is possible at a low interest rate of

Sokukei is a web contract service that does not require mailing or filling out an application form. Borrowing is possible as soon as the same day.

Orix Credit offers a total of 6 types of loan products, but we recommend the "Cardless VIP", which is a loan that does not issue a card.

Cardless VIP is a product that specializes in Internet transactions, and is characterized by an upper limit of interest rate that is 0.2% lower than the card type. You can use it more safely and conveniently.

However, please note that ATMs of partner financial institutions cannot be used.

Another big advantage of cardless VIP is that there is no mailing. For example, if you use a "VIP Loan Card," which requires you to send the card by mail, the loan may be known by the name "ORIX Credit" written on the envelope when the card is mailed.

If you are looking for a loan that you can borrow immediately at a low interest rate, do not want your family to know, or want to protect your privacy, we recommend choosing a cardless VIP.

From here, we will introduce cardless VIP in more detail.

Is the Orix Credit Cardless VIP Screening Strict? sweet?

Is the Orix Credit Cardless VIP Screening Strict?

Isn't the ORIX credit cardless VIP screening a little tougher? Although the examination pass rate is not disclosed, it is not possible to make a strict comparison, but it is considered that the cardless VIP's "low interest rate" and "large upper limit amount" are the characteristics of strict examination.

Cardless VIP is "low interest rate of 1.7 to 17.6%" and "large loans from 300,000 yen to a maximum of 8 million yen are possible". Considering that ORIX Credit has announced the following, we can't help but think that the screening will be tough.

It will be difficult to pass the cardless VIP examination, especially for those who have been late or delinquent, or who have failed the examination in other consumer finance.

Is there any mail delivered when using ORIX Credit Cardless VIP?

What kind of mail will I receive if I register for ORIX Credit Cardless VIP?

If you register for cardless VIP, you will receive notifications and statements. However, for some mailings, it is possible to stop mailing by procedure.

If you have registered for ORIX Credit cardless VIP, you will receive mail such as "transaction details", "important notices", and "campaign information". You cannot stop the mailing of "Important Notices". However, it is possible to change the transaction details to the online method by online procedure, and stop the campaign information by phone or e-mail.

If you don't want your loan to be known by mail, don't forget to tell them that you don't want them sent by mail when you sign the contract.

Reputation/Reviews of Orix Credit Cardless VIP

How good is the reputation of Cardless VIP?

We received a lot of positive reviews. In particular, many people seem to be satisfied with the online convenience and the speed of screening and financing.

Introducing the reviews of people who actually use ORIX Credit Cardless VIP.

There were many comments such as, "It's convenient online," "Financing was quick," and "I was glad that the phone response was polite."

・I am very satisfied with the ease of applying online.

・Because it is cardless, the advantage is that it can be used 24 hours a day, 365 days a year. The application process can be completed entirely online, and the fact that it was easy to apply can also be appreciated.

・I think that it is a big merit that you can receive a loan on the same day at the shortest time. Anyway, I felt that it was helpful and convenient when I wanted to get money quickly. The judging was completed in 60 minutes at the shortest, so this speed was also attractive.

・It was very helpful because I passed the examination! The telephone response is also very kind, speedy and truly divine. I applied in a hurry on Saturday, and passed the provisional examination at the beginning of the week. It was a little less, but it was within our expectations. The response was quite fast and the enrollment confirmation was completed accurately.

・I thought that card loans had high interest rates, so I avoided using a large amount at once, but cardless VIP has low interest rates, so I can use it with confidence. It was good that the review was very fast. It was really helpful that the speed to the loan was fast. The response was very polite and the explanation was easy to understand and I was relieved.

Reviews also received negative reviews. Some people found it difficult to use the “cardless” feature of cardless VIP.

・As the name suggests, there is no card, so you cannot use affiliated ATMs. Surprisingly, I sometimes felt that this "cardless" was a disadvantage. It's hard for me to use it only on the net.

・It was a pity that I could not get a loan on the same day. Also, I thought that there is no interest-free period, which is inferior to other consumer finance.

Advantages of ORIX Credit Cardless VIP

What are the advantages of ORIX Credit Cardless VIP?

Orix Credit's cardless VIP is characterized by "low interest rate" and "convenience of borrowing and repayment". It is recommended for those who are looking for a loan that can be borrowed quickly.

Orix Credit's cardless VIP has features such as "low interest rate", "free repayment fee", "possibility of shortest same-day loan", and "possibility of large-scale financing". I will introduce each in detail.

Orix Credit Cardless VIP is characterized by low interest rates compared to other consumer finance companies. Interest rates are often set at around 3.0% to 18.0% per year at other companies, but the cardless VIP is set at a low rate of 1.7% to 17.6%.

For example, let's compare the interest rate with "Promise", "Acom", and "Lake ALSA".

td>

Interest rate reference: Cardless VIP | [Official site] For card loans, ORIX Credit Corporation App Loans | Promise Official Site [Acom Official] Acom Card Loans | For Card Loans and Cashing, Acom [Lake ALSA] Official Lake ALSA for consumer finance for card loans and cash advances

You can see that both the lower and upper limits of the interest rate are set to be the lowest. Therefore, cardless VIP is recommended for those who are using consumer finance for the first time, are worried about being able to repay properly, or want to repay with plenty of time to spare.

The only repayment method for cardless VIP is internet repayment. As repayments are made using an internet bank, repayments can be made conveniently and smoothly, such as "no fees," "available 24 hours a day, 365 days a year," and "no need to go to the bank." The procedure for repayment is simple, just follow the 6 steps below.

1. Log in as a member
2. Select online repayment
3. Enter repayment method and repayment amount
4. Select a financial institution and log in< /li>
5. Enter payment account and make online repayment
6. Complete repayment

The banks that can be used are Japan Post Bank, Mizuho Bank, Rakuten Bank, and PayPay. It has become each Internet bank such as a bank. Since you don't have to actually go to the bank or ATM, you will be able to make a smooth repayment without feeling troublesome.

If you use ORIX Credit's WEB contract "Sokuten", you can borrow as soon as the same day without the hassle of exchanging mails and filling out documents.

You will need 2 identification documents and 1 document (*) that can confirm your annual income. Basically, you only need to upload two of your identity verification documents, such as your driver's license, health insurance card, and resident card, so the process is smooth. * When the contract limit exceeds 500,000 yen, when it is judged necessary at the time of examination, etc.

"I needed a lot of money when I got sick, but I need it right away, so I can't wait to pass the examination." You can use it conveniently even if you are going to participate in and need money immediately.

However, in order to borrow on the same day, it is necessary to complete the procedure by 14:30 on weekdays. Complete the online application procedure on time and make sure to take a phone call to confirm your identity.

However, just because you have completed the procedure in time does not mean that you will always receive a loan on the same day. Depending on the congestion situation at that time, it may be possible to respond the next day, so let's apply with plenty of time.

Cardless VIP has a generous loan limit of 300,000 to 8 million yen. As a result, we are able to offer the most suitable loan amount to meet the needs of each client.

However, cardless VIP does not support small loans such as 100,000 yen or 150,000 yen. Depending on the examination results, the loan may be less than 300,000 yen.

Orix Credit's cardless VIP can be said to be a recommended loan if you want to prepare a lot of funds.

Disadvantages of ORIX Credit Cardless VIP

What are the disadvantages of ORIX Credit Cardless VIP?

Disadvantages of ORIX Credit Cardless VIP include points such as "no interest-free period", "a repayment method that makes it difficult for the principal to decrease", and "contracts are only on the web".

Orix Credit's cardless VIP has four disadvantages such as "no interest-free period", "difficult to reduce principal", "cannot contract at stores or unmanned contract machines", and "some users are dissatisfied with the response" there is. If you do not understand it in advance, you may be worried that you will not be able to finish repaying it easily, so be sure to check it before signing the contract.

There is a 30-day interest-free period for "Promise (*1)" and "Acom" introduced several times, and 60 days for "Lake ALSA (*2)", but there is no interest for cardless VIP. No period is set. Therefore, it is not possible to make a plan such as "I will receive money next month, so I will pay it back before interest is charged." The downside is that you will still be charged interest even if you make early repayments.

*1

Since the minimum repayment amount of cardless VIP is set to a small amount, it is difficult to reduce the principal. One of the disadvantages is that the standard repayment method is revolving payment. There are two repayment methods: “new balance slide revolving repayment” and “fixed amount revolving repayment including principal and interest”, and the repayment plan is as follows.

1 New Balance Slide Revolving Repayment

Consumer Finance	Interest Rate (Annual Rate)
ORIX Credit Cardless VIP	1.7-17.6%
Promise	4.5-17.8%
Acom	3.0-18.0%
Lake ALSA	4.5-18.0%

< td>20,000 yen< td>More than 2 million yen to 2.5 million yen td>

Balance after Borrowing	Monthly Repayment Amount	Bonus Added Amount
~500,000 yen	10,000 yen	Free setting
More than 500,000 yen to 1.5 million yen
More than 1.5 million yen to 2 million yen	23,000 yen
25,000 yen
More than 2.5 million yen to 3 million yen	30,000 yen
Over 3 million yen to 3.5 million yen	35,000 yen
Over 3.5 million yen to 4 million yen	40,000 yen
Over 4 million yen to 4.5 million yen	45,000 Yen
Over 4.5 million yen to 5 million yen	50,000 yen
5 million yen Over 6 million yen	60,000 yen
Over 6 million yen-7 million yen	65,000 yen
Over 7 million to 8 million yen	70,000 yen

2 Fixed amount revolving repayment including principal and interest

< td>500,000 yen course< td>25,000 yen or more< tr>< tr>

Contract Limit (Course)	Monthly Repayment Amount	Bonus Addition Amount
15,000 yen or more	Free setting
1 million yen course
1.5 million yen course	30,000 yen or more
2 million yen course	30,000 yen	50,000 yen or more
40,000 yen or more	Free setting
2.5 million yen course	40,000 yen	60,000 yen or more
50,000 yen or more	Free setting
3 million yen course	40,000 yen	60,000 yen or more
60,000 yen or more	Free setting
3.5 million Yen course/4 million yen course	60,000 yen	70,000 yen or more
70,000 yen or more	Free setting
4.5 million yen course/5 million yen course	70,000 yen	80,000 yen or more< /td>
80,000 yen or more	Free setting
5.5 million yen course/6 million yen course< /td>	80,000 yen	90,000 yen or more
100,000 yen or more	Free setting
6.5 million yen course/7 million yen course	90,000 yen	110,000 yen or more
110,000 yen or more	Free setting
8 million yen course	100,000 yen	120,000 yen or more
120,000 yen or more	Free setting

Application for cardless VIP is limited to WEB. Therefore, if you want to go through the procedure while listening to the staff at the store, or if you are not used to online procedures such as smartphones or computers, you may find it difficult to sign a contract.

However, the process is easy, just fill in the necessary information, take a picture of the document and upload it. Even those who are not good at online procedures can apply without worrying.

Where should I use if I fail the ORIX credit cardless VIP screening?

Which card loan should I use if I fail the ORIX credit cardless VIP screening?

Those who do not want others to know about their use should consider Promise, those who are concerned about the screening pass rate should consider Acom, and those who want to focus on the interest-free period should consider Lake ALSA.

Promise deals with loans that feature a shortest 1-hour loan and a 30-day interest-free period (*1). Because it is an "app loan" that can be completed online without mailing, it is also recommended for those who do not want others to know about it.

The examination pass rate (contract rate) is about 38% (*2) in the fiscal year ending March 2021. This closing rate is not particularly low, so if you fail the cardless VIP screening of ORIX Credit Card, you should consider it. *1 Click here to apply for Promise

Acom handles loans that are on par with ORIX Credit Cardless VIP in terms of convenience, such as "borrowing up to 8 million yen", "30 days interest rate 0 yen service", and "free borrowing 24 hours a day, 365 days a year". I'm here.

Acom's new loan rate is 40.7% (*) on average. Those who feel uneasy about the examination can apply with peace of mind. * Calculated from the Acom Monthly Report for the period from April 2020 to March 2021

Click here to apply for Acom

Lake ALSA is a consumer finance company that can provide loans from 10,000 yen to 5 million yen, and is convenient when you want to borrow a small amount. In addition, it can be said that it is characteristic that the time that can be loaned on the same day is long as shown below.

The published screening pass rate is about 34.2% on average. Although the examination is a little strict, there are merits such as "there is a longer 60-day interest-free period than other companies (*)" and "the minimum 60-minute loan is possible with the WEB". If you are considering borrowing, you can say that this is also a consumer finance company that you would like to include in your candidate.

*No interest from the day after the first contract for the first time *Normal interest rate applies after the no interest period has passed *30 days no interest, 60 days no interest, 180 days no interest cannot be used together *Those who apply online and have a contract amount of 1 to 2 million yen

Click here to apply for Lake ALSA

How to get a loan from ORIX Credit Cardless VIP in the shortest time

What should I do to get a loan as soon as possible with ORIX Credit Cardless VIP?

Be sure to prepare the necessary documents and complete the procedures by 14:30 on weekdays. However, it should be noted that no judging takes place on Saturdays or Sundays.

If you want to receive a loan as soon as possible with ORIX Credit Cardless VIP, please complete the procedure by 14:30 on weekdays. The documents required for application depend on the amount you want to borrow.

・If the contract limit is 500,000 yen or less……Identity verification documents only ・If the contract limit is more than 500,000 yen Income verification documents required

The following documents correspond to identity verification documents and annual income verification documents. It will be smoother if you apply after preparing the documents according to the amount you want to borrow.

< td> [For those who work] Withholding slip final tax return tax certificate [Individual business owner] The latest income tax return (Table 1 and Table 2) that can confirm the income from the business with the seal of the tax office or a tax accountant Items marked with a mark Current business status, future business plan, income and expenditure plan, and financial plan must be submitted separately using the form prescribed by ORIX Credit

Identity verification documents (*1)	[Group A] Driver's license Health insurance card Passport Resident's card (within 6 months of issuance. Domicile or My Number) Black out) Resident card or special permanent resident certificate [Group B] Utility bill receipt or tax payment certificate
Annual Income Confirmation Documents (*2)

< p>*1

However, even if you follow these precautions, you may not be able to get a loan quickly depending on the number of applications and the progress of the screening process.

Types of Loans Handled by ORIX Credit

The following six types of loans are handled by ORIX Credit. All of them support WEB contract “Sokuten”, which can be reviewed in as little as 60 minutes, and loan applications can be made 24 hours a day, 365 days a year.

< td>11.4% to 17.6%

	VIP Loan Card	VIP Loan Card BUSINESS	Cardless VIP	ORIX Loan Card Ponta Course	VIP Y's CARD	VIP Lyra CARD
Interest rate	1.7～17.8 %	6.0-17.8%	1.7-17.6%	3.0-17.8%	13.2-17.6%
Limit	300,000 to 8,000,000 yen	50,000 to 5,000,000 yen	30-8 million yen	20-8 million yen	20-1 million yen	20-2 million yen
Screening time	Minimum 60 minutes	Minimum 60 minutes	Minimum 60 minutes	Minimum 60 minutes	Minimum 60 minutes	Minimum 60 minutes
Loan time	24 hours a day, 365 days a year (withdrawals 24 hours a day, 365 days a year (depending on the hours of operation of each ATM)	24 hours a day, 365 days a year	24 hours a day, 365 days a year (Withdrawals depend on the usage hours of each ATM)	24 hours a day, 365 days a year (Withdrawals depend on the usage hours of each ATM)	24 hours a day, 365 days a year (Withdrawals depend on the usage hours of each ATM) by)
Interest Free Period	None	None	None	None	No	No
Confirmation of enrollment	Yes	Yes	Yes	Yes	Yes	Yes
Repayment method th>	Revolving payment	Revolving payment or one-time payment	Revolving payment	New balance slide revolving payment	Revolving payment Or one-time payment	Revolving payment or one-time payment

* Data quoted from ORIX Credit official website

However, you will need to pay attention to points such as "no matter which loan you choose, you have to verify your identity" and "the interest rate is different".

(Image = Orix Credit VIP Loan Card)

The ORIX Credit VIP Loan Card is a type of loan that issues a card. You can prepare a large amount of funds from 300,000 yen to a maximum of 8 million yen, so it can be said that it is a safe loan card to have for hobbies, entertainment, family services, etc. It is a card with many merits, such as generous loan amount, immediate contract, member-only service.

(Image = ORIX Credit VIP Loan Card BUSINESS is a loan specialized for managers and sole proprietors. You can borrow from 500,000 yen to 5 million yen at a low interest rate of 6.0 to 17.8%. Various Unlike subsidies, the use is not limited, so it can be used in a wide range of ways according to the business situation, such as running costs and opening funds.(Image: ORIX credit cardless VIP is a type where everything from registration to payment is done online This is a loan.No card is issued, and you can use a quick and low interest rate loan (1.7 to 17.6%).The contract limit is up to 300,000 to 8 million yen like the VIP loan card, and large loans are also possible. It is possible.(Image = ORIX Credit is a great loan that allows you to accumulate up to 20,000 Ponta points per year depending on the balance of the loan. Contract limits range from 200,000 yen to 8 million yen, VIP loan cards and cards It is set wider than the less VIP, so you can borrow for a smaller amount.

The interest rate is also set as low as 3.0 to 17.8%.Those who are looking for a low-interest loan・Earn Ponta points Recommended for those who are

(Image = ORIX Credit VIP Y's CARD is a small-amount loan that is marketed especially to young people. From 200,000 yen to 1,000,000 yen, the upper limit is set lower than any of the loans introduced above.

The loan amount and interest rate are

It is published as

, and it is one of the major features that it is easy to understand. Even if you are borrowing money for the first time, it can be said that it is a safe loan.

(Image = ORIX Credit "VIP Lyra CARD" is a card loan for working women. There are courses of 200,000 yen, 300,000 yen, 500,000 yen, 1 million yen, 1.5 million yen, and 2 million yen. Each interest rate is determined as follows:

loan amount	interest rate
200 10,000 yen course	11.4-12.6%
1.5 million yen course	13.2-14.4%
1 million yen course
500,000 yen course	15.6-17.6%
300,000 yen course
200,000 yen course

I want to rely on a loan, but I don't have enough money with Y's CARD..." is recommended.

Some of you may have seen the name "Orix Bank Card Loan" while searching for the best loan for you. ORIX Bank Card Loans, as the name suggests, are loans provided by ORIX Bank.

"ORIX Bank" and "ORIX Credit" are companies of the same ORIX Group, but ORIX Bank is a banking business, ORIX Credit is a "personal financial service business (money lender)", and the applicable law is it's different.

Non-bank ORIX Credit may impose a limit on the borrowing amount, but it is characterized by being able to borrow with a sense of speed unique to non-banks. Be aware that there are many differences between ORIX Bank and ORIX Credit, including the loan limit.

How to apply for ORIX Credit Cardless VIP and how to borrow

What is the flow for borrowing money with ORIX Credit Cardless VIP?

Before borrowing money, you need to complete the application and screening process. If you have completed the application and screening process, please go to My Page "Member's Net Counter".

If you want to get a loan with cardless VIP, you need to go through 3 steps. "Application", "Examination/Confirmation", and "Application for Borrowing". We will explain the procedures necessary for applying and the procedures necessary for borrowing, so let's check in detail.

The application for ORIX Credit Cardless VIP is only available for WEB application "immediate contract". Please note that you cannot apply by mail. The flow of “immediate contract” is as follows.

(Image = ORIX Credit

Submission of application form/upload of documents

Notification of screening results

Confirmation and consent to contract details

Start of use

Because everything is done online, the screening can be completed in as little as 60 minutes.If the application is completed before 14:30, it is possible to apply for the loan on the same day at the earliest.

First, read the terms of use carefully, and if there are no problems, click "Agree". Next, in the application form, enter "About the person", "About the place of work", and "About the application".

(Image = Orix credit application process)

After sending the data, the "Confirmation document upload screen" will be displayed. Follow the instructions to upload your identity verification documents and annual income verification documents. Once all the data has been submitted, we will confirm the examination results and application details by e-mail or telephone. Follow the instructions and answer the questions.

After successfully passing the examination, confirm and agree to the contract details on the web. After that, once ORIX Credit completes internal procedures, you will be able to apply for a loan immediately.

When actually borrowing, there are two ways to apply: logging in to the member's page "Members Net Counter" and applying by phone.

(Image = If you want to apply through ORIX Credit Net, log in to the members net counter and select "Application for Loan Transfer". When applying by phone, follow the guidance available 24 hours a day, 365 days a year (0120-94-8008 ).Follow the instructions, apply for a transfer to the registered account, and complete the procedure.

The only repayment method for cardless VIP is online repayment.Even when repaying online, you can borrow money Follow the procedure below from My Page "Member's Net Counter".

(Image = ORIX Credit

Login to Members Net Counter

Select "Internet Repayment"

Enter repayment method, repayment amount, etc.

Finance Select an institution and log in

Enter a settlement account and make an Internet repayment

Complete the repayment procedure

Orix Credit Company Profile

< p>What kind of company is ORIX Credit?

ORIX Credit is a company within the ORIX Group that is responsible for the "financial services business for individuals." Please see below for basic information.

>

Company name	ORIX Credit Corporation
Head office location< /th>	2-22-20 Akebono-cho, Tachikawa-shi, Tokyo
Registration number	Director of Kanto Local Finance Bureau (13) No. 00170< /td>
Business description	Financial services for individuals
Applicable interest rate	1.70～17.80％
Same day loan	Possible
Limit	8 million yen
Collateral/Guarantee fee	Generally not required
Repayment method	New Balance Slide Revolving Repayment Fixed Amount Revolving Repayment Revolving Payment Single Payment
Saturday and Sunday Screening	No
Interest-Free Period	None
How to Apply	Internet/Mail
Repayment date	Choose from 10th, 20th, or last day
Enrollment confirmation	Yes< /td>
Delay damage fee	19.9%
Phone number	0120- 20-8480

* Data quoted from ORIX Credit official website

Q&A about ORIX Credit Cardless VIP

Five questions that many people have when using ORIX Credit Cardless VIP are answered in detail.

ORIX Credit Cardless VIP is perfect for your first loan

ORIX Credit Cardless VIP offers low interest rates, large loans, and same-day loans at the shortest time. It is a safe loan for those who borrow. Being part of the ORIX Group, a major company, is also one of the factors that gives us peace of mind. If you make a contract, you can conveniently use it for hobbies, entertainment, family services, entertainment, etc.

In addition, the application, borrowing, and repayment procedures can be easily completed on the Internet, making it perfect for busy people. Although the examination is rather strict, it can be said that it is a loan that you want to consider when using it.

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