It is convenient to be able to borrow with a card loan when there is a sudden expense or lack of living expenses. However, when applying for the first time, you may feel uneasy about the procedure and examination. In this article, we will explain the features of SMBC Mobit, how to apply, and points to pass the examination.
SMBC Mobit is a consumer finance company operated by SMBC Consumer Finance Co., Ltd., a group company of SMBC (Sumitomo Mitsui Financial). Originally, the Mitsubishi UFJ Financial Group invested and developed the service as "Mobit", but now the company name has been changed to "SMBC Mobit Co., Ltd.". Quote: SMBC Consumer Finance
SMBC Consumer Finance Co., Ltd. also operates “PROMISE,” a financial business similar to SMBC Mobit.
Click here to apply for SMBC MobitSMBC Mobit is a card loan with no restrictions on the purpose of use. You can borrow money within a reasonable range for various purposes such as lack of living expenses, sudden expenses such as ceremonial occasions, entertainment and hobbies.
| Interest rate | 3.0~18.0% | |
|---|---|---|
| Budget limit | 8 million Within Japanese Yen | |
| Eligibility | People aged between 20 and 69 with a stable regular income (those who meet the criteria of SMBC Mobit) | |
| Available for part-time workers, temporary employees, part-timers, and self-employed people | ||
| Guarantor | Not required | |
| Admission fee/annual fee | Free | |
| Required documents for application | Driver's license, health insurance card, etc. | |
| Repayment method | ATM repayment, transfer repayment and bank transfer | |
| Repayment date | Select from SMBC Mobit dates | |
| 5th and 15th of every month day, 25th, last day | ||
| Interest rate for delay damages | Real annual rate 20.0% |
| Sumitomo Mitsui Banking Corporation | North Pacific Bank | Ogaki Kyoritsu Bank |
| Mitsubishi UFJ Banks | Hokkaido Bank | Juroku Bank |
| Seven Bank | Michinoku Bank | < td>Suruga Bank|
| AEON Bank | Sendai Bank | Chukyo Bank |
| Joyo Bank | Hyakugo Bank | |
| Saison Card | Ashikaga Bank | Kyoto Bank |
| Sanjusan Bank | Tochigi Bank | Senshu Ikeda Bank |
| Fukuoka Bank | Gunma Bank | Tajima Bank |
| Eighteen Shinwa Bank | < td>Chiba BankNanto Bank | |
| Kumamoto Bank | Keiyo Bank | Kiyo Bank |
| Lawson Bank | Yokohama Bank | Tomato Bank |
| Enet | >The Daishi Hokuetsu Bank | Momiji Bank |
| Japan Post Bank | Hokuriku Bank | Saikyo Bank |
| Hyakujushi Bank | Nishi-Nippon City Bank | Miyazaki Bank |
| VIEW ALTTE | Pat Sat |
There is no charge for using Sumitomo Mitsui Banking Corporation ATMs. If you use an affiliated ATM other than Sumitomo Mitsui Banking Corporation, you will be charged a handling fee of 110 yen for withdrawals of 10,000 yen or less, and 220 yen for withdrawals of more than 10,000 yen.
In addition, in the case of borrowing with "WEB completion", the desired amount will be transferred to the bank account specified in advance. Some people may find it time-consuming to withdraw money from the account after checking the balance before the cash is in hand.
Click here to apply for SMBC MobitThere are four repayment methods for SMBC Mobit.
If you have a Mobit card, you can also make payments at affiliated ATMs and FamilyMart's multimedia terminal "Famiport". If you have a card, you can repay immediately at the nearest convenience store or bank, so if you repay when you have cash on hand, you will not pay too much interest.
You can also choose a repayment method that suits your convenience, which saves time and fees. There is no charge for using Sumitomo Mitsui Banking Corporation ATMs. If you use partner ATMs other than Sumitomo Mitsui Banking Corporation, a fee of 110 yen will be charged for deposits of 10,000 yen or less, and 220 yen for deposits of over 10,000 yen.
Click here to apply for SMBC Mobit or repayable. I will explain the specific procedure for borrowing and repaying using a mobit card.Let's take a look at the borrowing procedure, using a Sumitomo Mitsui Banking ATM as an example.
If you usually withdraw money from the bank with a cash card, the operation method will not change and it will not be difficult. Be careful to select "credit card" instead of "card loan" before inserting your mobit card.
Let's take a look at the repayment procedure, using a Sumitomo Mitsui Banking ATM as an example.
Borrow The times and methods are almost the same. Once you deposit money, you cannot cancel it, so be sure to check that the amount is correct after inserting the bills before executing the deposit.
Is SMBC Mobit an unavoidable phone call to confirm enrollment?
If you apply with "Web complete", you will not be contacted by phone. Since no mail is sent, it can be said that it is difficult for companies and families to know that you are using a card loan.
SMBC Mobit provides an application method that completes all procedures up to borrowing online. With "Web complete", there is no phone contact or mailing, and since it is cardless, you can use it immediately after joining. We will explain the points to note and necessary items when applying for "WEB completion".
Click here to apply for SMBC MobitWith "Web Complete", you can complete a series of procedures from application to borrowing online. Although more and more card loans can be applied for online, there are few places where the procedure can be completed without a phone call or exchange of documents.
Basically, there is no telephone contact to the workplace, no mailing of the membership application form, or mailing of the card. Borrowing and repayment can be done without a card, so it is unlikely that your company or family will know that you are using Mobit. However, you may receive a phone call if confirmation is required during the screening process.
Click here to apply for SMBC MobitYou can receive a loan immediately without waiting for your card to arrive, but a Mobit card will not be issued. Even if you want to use the card later, you cannot change it after the contract procedure.
If you do not issue a card, you will not be able to use affiliated ATMs, and basically you will have to borrow and repay by bank transfer. Apply for "Web complete" after carefully considering the possibility of borrowing or repaying with the card in the future.
If the only reason is that you don't want your company or family to know about your application, you can receive your card on the spot without any mail by completing the contract procedure at the loan contract machine. No need to be particular.
Compared to other methods, there are more preparations and documents to apply when applying through the "Web Completion" method, as there is no telephone contact or mailing.
You must prepare all of the following accounts and documents.
Click here to apply for SMBC MobitWe will explain in detail what you need.
You must use the following bank account designated by SMBC Mobit for borrowing and repayment. The amount borrowed will be transferred to your account and will be debited from your account when you repay.
There are no fees for repayment or borrowing. Please note that you must have an account in your own name, and you cannot use an account in your family's name.
The following two types of identity verification documents are valid.
Submit one copy. Make sure your photo, name and address are clearly visible. My number cards and health insurance cards cannot be used as identity verification documents in "Web Complete".
Submit one of the following documents to prove your current income.
Salary slips for the last two months must be submitted, and if there is a bonus payment, a bonus slip that can confirm the amount of bonuses for the last year must also be submitted. If you lose your pay slip, you have no choice but to ask the company to reissue it or wait for the document to be issued on the next payday.
Withholding slips and tax notices are issued by companies, and income certificates are issued by municipal offices. If you have lost or discarded it and do not have it at hand, it is a good idea to contact the issuer to have it reissued.
In addition, only documents issued by the current employer are valid, so income certificates from previous jobs cannot be screened. Before submitting, make sure that your name, date of birth, address, and other information are entered correctly, and that the certification year is up to date.
You will need to submit documents that confirm your place of employment. You must submit both of the following documents.
Please note that some health insurance cards are not recognized as valid confirmation documents. Only social insurance cards and union insurance cards are valid as verification documents.
Refer to the following to confirm where your health insurance card was issued and proceed with the procedure.
| Insurance type | Issuer | Primary insured |
|---|---|---|
| Society Insurance card | National Health Insurance Association | Those who work for small and medium-sized enterprises |
| Union insurance card | Corporate health insurance associations and mutual aid associations | Those who work for medium to large companies with 700 or more employees |
| Seafarer's insurance card | National Health Insurance Association | Seafarers working on ships |
| National Health Insurance Card | Municipality | td>Self-employed/freeters |
If you have submitted a document other than a salary slip as proof of your current income, confirm your place of employment. You are required to submit a salary slip as a document that can be accepted.
Can I use SMBC Mobit again if I fail the review?
You can apply again. However, it is better to leave a certain period of time after the first application. Credit information agencies and SMBC Mobit will keep a record of failed reviews, so it is unlikely that you will pass the review if you apply within a day.
On SMBC Mobit, there is a "simple examination" where you can see the examination results in 10 seconds after entering the required information, and a "main examination" where you can confirm your enrollment and credit information. Even if you pass the simple examination, if you do not pass the main examination, you will not be able to receive a loan. In addition to cases where SMBC Mobit or similar groups repeatedly delinquent at the time of application, there may be cases where the screening is rejected due to other reasons.
I will explain the items that are considered to be the cause of failing the examination of SMBC Mobit.
If it turns out that the information entered at the time of application is false, it may be rejected.
In particular, the annual income and occupation are important points during the screening process, as they are related to whether or not you have the ability to repay. If your annual income is too high for your age and place of employment, you may be accused of fraud. Do not fill in a high annual income so that it will be advantageous for the examination, and declare it as it is.
In addition, since there is no telephone contact with the workplace in "Web complete", it seems that even if you falsify your work place, you will not be able to recognize it, but there is a high possibility that your lie will be revealed from the Internet or various submitted documents.
Even if your annual income is somewhat high, you cannot borrow unlimited amounts.
The maximum amount of money that can be borrowed from moneylenders is stipulated by the "total amount regulation".
Total volume restrictions apply to loans from SMBC Mobit. No matter how high your annual income is, you can't borrow more than 1/3 of your annual income, so if you don't meet the conditions at the application stage, there is a high possibility that you will be rejected. For example, if a person with an annual income of 6 million yen applies, borrowing more than 2 million yen will be difficult because it will conflict with the total amount regulation.
In the past, if you have repeated delinquency or delinquency, including companies other than SMBC Mobit, there are cases where the credit information remains recorded and you fail the examination.
Credit information includes the following information and is stored for 5 to 10 years.
It will be difficult to get a new loan from a financial institution if you cannot pay your credit card or mobile phone installment on time, or if you have unpaid loans.
In addition, since it is almost always recorded in the credit information at the time of examination by a financial institution, if you try to borrow with multiple card loans in a short period of time, it will be judged that you are in trouble with money, and the examination likely to have a negative impact on
The record will disappear after a certain period of time, so if you are worried, apply after there are no problems with your credit information, or request disclosure from the following institutions that handle credit information to check your current situation.
It refers to the procedure to reduce or exempt the payment of debts based on the law, or to adjust the payment period. There are three main methods: voluntary liquidation, personal rehabilitation, and personal bankruptcy.
When SMBC Mobit checks your credit information, if you have a lot of borrowings from other companies, it may be considered that there is a high risk of repayment delays and may be rejected. Also, if you are borrowing from multiple companies, there is a possibility that it will conflict with the total amount regulation and greatly exceed the borrowable amount.
Especially in the case of borrowing from 3 to 4 companies, it is safer to apply after finishing the repayment of other companies as much as possible.
Conversely, if you are unemployed, there is a high possibility that you will not be able to pass the examination because you do not have a stable income.
Regardless of the type of employment, you can apply as long as you have enough income to repay.
Are SMBC Mobit screenings stricter than other companies?
Because the screening criteria have not been published, it cannot be asserted that they are lenient. However, if you have a stable income, you can apply regardless of the type of employment, so if you keep the desired loan amount within a reasonable repayment range, you will be more likely to pass the examination.
Since loan screening is conducted according to SMBC Mobit's standards, it is not clear what points are emphasized in screening. However, it may be easier to pass the examination by reducing the points that give a negative impression, such as the amount you want to borrow or the amount borrowed from other companies is extremely large.
Click here to apply for SMBC MobitI will explain the tips and points that you should keep in mind to smoothly pass the SMBC Mobit examination.
If there are any mistakes in the application, we will not be able to perform the review correctly. Be sure to check the application details after entering them, as it may be suspected that you have declared false information. Be careful not to make a mistake in kanji conversion or forget to enter numbers.
If you request a large amount of borrowing, the ratio of borrowing to annual income will be high, so it may be considered a problem in terms of repayment capacity and total amount regulation and may be rejected.
The key to making it easier to pass the screening is to ask for the minimum amount you need, rather than applying for a large amount with plenty of room to spare. If you are preparing for a temporary shortage of money, 100,000 to 300,000 yen is often enough.
If you apply for multiple card loans in a short period of time, your credit information will be damaged as a so-called "application black", and there is a high possibility that you will be rejected. Apply for SMBC Mobit before other companies, and if the screening fails, apply again after a certain period of time.
Click here to apply for SMBC MobitIf you apply with a large amount of debt from another company, it may be assumed that you are in financial trouble and your application may be rejected. In fact, the more you borrow, the more your monthly repayments will increase, and it is likely that your life will be difficult. It is safe to reduce borrowings from other companies as much as possible and apply as soon as you can afford it.
If the ratio of annual income to borrowing is large, it will be considered that there is a payment capacity and it will be easier to pass the examination. It is considered best to apply after increasing your income, such as increasing your working hours or doing a side job.
| Interest rate | 3.0% to 18.0% |
|---|---|
| Usage limit | Within 8 million yen |
| Eligibility< /th> | Persons between the ages of 20 and 69 who have a stable income and the ability to repay and who meet ACOM's standards |
| Even part-time workers and temporary workers Application possible | |
| Collateral/guarantor | Not required |
| Admission fee/annual fee | >Free |
| Repayment method | Internet, affiliated ATM, ACOM ATM, store counter, bank transfer | Repayment date | Within 35 days for one payment or monthly payment |
| Late penalty interest rate | Actual annual rate of 20.0% |
A consumer finance company that is familiar with the commercial of "Hajimete no Acom" and belongs to the Mitsubishi UFJ Financial Group.
"3-second diagnosis" that allows you to perform a preliminary examination just by entering your age, annual income, and borrowing status from other companies, and "30-day interest rate 0 yen service" that does not charge interest for 30 days from the day after the contract date when borrowing for the first time. ” is a feature. One of the points that makes it easy to use is that borrowing and repayment are possible 24 hours a day from the Internet or ATMs.
Since the screening is completed in as little as 30 minutes, same-day financing is also possible. There are two ways to get an instant loan.
Both are available on weekends and holidays. However, if you apply online, be aware that the time you can receive the loan on the same day will change depending on the type of bank account. If it is Rakuten Bank, the money will arrive in about 1 minute after the reception is completed, including weekends and holidays. The automatic contract machine is open from 9:00 to 21:00 and cannot be used outside of these hours.
Click here to apply for Acom (Image = quoted from Promise HP) th>Usage limitPromise is developed by SMBC Consumer Finance just like SMBC Mobit It is a card loan to do.
If you are using a card loan for the first time, there will be no interest for 30 days from the day after the first use. chat service, etc.
In addition, in the 2022 Oricon Customer Satisfaction Survey, the satisfaction level of first-time users has been ranked first for four consecutive years, so it can be said that even those who are new to borrowing can use it with peace of mind. I guess.
Promise can be applied online 24 hours a day, 365 days a year, and you can receive the preliminary screening results in as little as 15 seconds (*). *After confirming the results of the preliminary screening, the main screening is required. *The maximum loan amount at the time of new contract is 500,000 yen.
Same-day financing is possible because the final examination can be completed in as little as 30 minutes. There are three ways to get an instant loan.
With "Shun-furi", it is possible to transfer money to about 200 financial institutions nationwide, including Sumitomo Mitsui Banking Corporation and PayPay Bank, 24 hours a day, 365 days a year, including weekends and nights. It is an easy-to-use service with no transfer fees.
Click here to apply for Promise (Image = quoted from Aiful HP) th>Usage limitAiful differs from Acom and Promise in that it is a major megabank group. is an independent consumer finance company that does not belong to Kakaku.com's card loan category popularity ranking overall in the first half of 2021, and has a good reputation for its services.
It features a service where the interest is 0 yen for up to 30 days when you use it for the first time, a "1-second diagnosis" that allows you to check whether a loan is possible in advance, and an FAQ using a chat robot.
The company promises to provide loans in as little as 25 minutes, and same-day loans are also possible. There are three ways to get an instant loan.
If you are in a hurry to get a loan, please contact AIFUL's toll-free number (0120-337-137) after you have applied online and received an email confirming receipt. However, please note that the reception hours are from 9:00 to 21:00.
Click here to apply for Aiful (Image = quoted from Lake ALSA HP)Lake ALSA is owned by Shinsei Financial Co., Ltd., a member of the Shinsei Bank Group. It is a card loan to expand.
The major feature is that you can choose from the following three types of interest-free periods when using it.
"No interest for 180 days up to 50,000 yen from the day after the first contract date" is particularly appealing. Interest is normally applied to the portion exceeding 50,000 yen, but if you repay the entire amount during the interest-free period, there is an advantage that no interest will be charged no matter how many times you borrow up to 50,000 yen.
With Lake ALSA, same-day loans are available in as little as 60 minutes, and transfers can be made on the same day. There are three ways to get instant loans:
In the case of online applications, all contract procedures, including examination and confirmation of required documents, must be completed by 21:00 on weekdays and 18:00 on Sundays.
Click here to apply for Lake ALSAWe have summarized frequently asked questions about applying for SMBC Mobit.
I explained how to apply for SMBC Mobit, the flow of screening, points to pass the screening, etc.
If you apply online or use a loan contract machine, you can proceed from the contract to receiving the card and borrowing in the shortest possible time. If there are no special problems with your credit information or the ratio of the amount borrowed to your annual income, the screening process will go relatively smoothly.
Even if you do not pass the screening, there are several card loans that can be used on the same day, so please consider using a card loan that suits you, including SMBC Mobit.
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