27 recommended bank card loans! Explanation of how to choose
There are many bank card loans, and what you should use varies depending on the person, so some people may be wondering which one to choose. This time, we will introduce 27 recommended bank card loans for such people. A bank card loan is actually a convenient loan method that can be used for various purposes. It's important money, so please check it so you don't fail.
Contents
- What should I pay attention to when choosing a bank card loan?
- Check out 27 recommended bank card loans!
- Card loans from megabanks (city banks)
- Card loans from Internet banks
- Card loans from regional banks
- Interest rates Top 3 Bank Card Loans Focused on!
- Where is a bank card loan that can be borrowed the next day or the next business day?
- Where is a bank card loan with a high borrowing limit?
- What kind of loan is a bank card loan?
- Attractive low interest rates! Advantages of bank card loans
- Disadvantages and points to note about bank card loans
- Let's explore hints on screening criteria when applying for bank card loans!
- I love that it can be used for anything! Recommended points for bank card loans
- Where should I focus? How to choose a bank card loan
- Check the documents required to apply for a bank card loan!
- What conditions do I need to meet to get a bank card loan?
- Check the recommended bank card loan rankings!
- Check Q&A about bank card loans
- Bank card loans are recommended borrowing methods with low interest rates and free purpose
Bank card loans What should you pay attention to when choosing
What should I pay attention to when choosing a bank card loan?
The points to emphasize when choosing a bank card loan vary from person to person. However, there are three main things that you should be aware of: the interest rate, the length of time it takes to get a loan, and the amount you can borrow.
Bank card loan is a service that borrows money from megabanks, internet banks, and regional banks using a special card.
First of all, I will explain from three points to focus on when choosing a bank card loan.
When you borrow money, you have to pay interest in addition to the amount you borrowed, and the rate is "interest rate".
In addition, "real annual interest (real annual rate)" means the amount including various expenses such as guarantee fees and fees. However, since many card loans have no guarantee fees or fees, the actual annual interest rate and the interest rate are almost the same.
In exchange for not needing a guarantor, money to be paid to a guarantor in case of emergency.
When borrowing money for a long period of time, of course, the lower the interest rate, the less the total debt. Choose a bank card loan with a lower interest rate so that you can comfortably repay the loan at your own pace.
How long it takes to get a loan is also one of the items to check when choosing a bank card loan. Bank card loans are characterized by the fact that you can borrow money in a relatively short period compared to free loans and loans from banks. However, compared to consumer credit card loans, it seems that bank card loans often take longer to finance.
How quickly you can get a loan will also be a criterion for choosing a bank card loan.
The borrowing limit is the borrowing limit for each user according to their occupation, annual income, and borrowing amount from other companies.
For bank card loans that are not specified for use, the higher the borrowing limit, the more money you can use. Therefore, it is better to choose a bank card loan with a high borrowing limit as much as possible.
However, not everyone can borrow the maximum borrowing limit, as it is necessary to pass the examination in order to use a bank card loan.
Check out 27 recommended bank card loans!
What types of bank card loans are there?
There are various banks that offer bank card loans, such as city banks, internet banks, and regional banks, including megabanks. Each bank has different features, so it's a good idea to check carefully.
Here, we will introduce 27 recommended bank card loans. We have comprehensively checked and picked up three points for choosing a bank card loan, so let's compare which bank card loan is the best condition for you.
We will introduce 27 card loans divided into three categories: megabanks (city banks), Internet banks, and regional banks.
Mega Bank (City Bank) Card Loan
Who is recommended for Mega Bank Card Loan?
Recommended for those who want to use a card loan with peace of mind at a bank that everyone knows.
First, I will introduce four card loans from city banks, including megabanks.
(Image = quoted from Banquick)The maximum interest rate for MUFG Bank's card loan "Banquick" is 14.6%. The credit limits and interest rates are as follows.
| Usage limit | Borrowing rate |
|---|---|
| 5 million yen or less Over 4 million yen | 1.8% to 6.1% per year |
| Up to 4 million yen or more than 3 million yen | 6.1% to 7.6% per year |
| Under 3 million yen Over 2 million yen | 7.6% to 10.6% per year |
| Under 2 million yen Over 1 million yen | 10.6% to 13.6% per year |
| 1 million yen or less 100,000 yen or more | 13.6% per year ~ 14.6% per year |
Source: Banquick official website
Banquick can be used at Mitsubishi UFJ Bank ATMs nationwide, Seven Bank ATMs, Lawson Bank ATMs, etc., and it is also a great point that affiliated ATM fees are free.
After you apply, you will be notified of the screening results on the following business day from 9:00 to 21:00. In bank card loans, the feature is that the examination is relatively fast. After receiving the card, you can withdraw money from an ATM.
(Image = quoted from Banquick)There are two ways to receive the card.
In addition, if you have a Mitsubishi UFJ Bank account, you can borrow money by transfer before receiving the card.
Click here to apply for Banquick (Image = quoted from Mizuho Bank Card Loan)The maximum credit limit for Mizuho Bank Card Loan is 8 million yen. Also, the maximum interest rate is quite low at 14.0%.
| Usage limit | Borrowing rate |
|---|---|
| 8 million yen | Year 2.0 % |
| 6 million yen or more and less than 8 million yen | 4.5% per year |
| 5 million yen More than 6 million yen | 5.0% per year |
| More than 4 million yen and less than 5 million yen | 6.0% per year | >
| 3 million yen or more and less than 4 million yen | 7.0% per annum |
| 2 million yen or more and 3 million yen Less than | 9.0% per year |
| More than 1 million yen and less than 2 million yen | 12.0% per year |
| 100,000 yen or more and less than 1 million yen | 14.0% per annum |
Source: Mizuho Bank official website
In addition, if you use a home loan, the interest rate will be reduced by 0.5% per year from the base interest rate of the Mizuho Bank card loan. Another convenient point is that you can use an ordinary Mizuho Bank cash card instead of a loan card if you wish.
The minimum review time for a card loan application is the next business day. However, please note that the response time for the examination differs depending on the application method.
(Image = Sumitomo Mitsui Banking Corporation card loan)The Sumitomo Mitsui Banking Corporation card loan does not require an ordinary deposit account, and you can borrow from 100,000 yen to 8 million yen.
If you have an ordinary deposit account, you can use it more conveniently, and you can receive the benefits of "completed online 24 hours a day", "easy to apply (with few input items)", and "can borrow with a cash card you already have". increase.
| Usage limit | Borrowing interest rate |
|---|---|
| More than 7 million yen and less than 8 million yen | 1.5% to 4.5% per year |
| More than 6 million yen and less than 7 million yen | 4.5% to 5.0% per year |
| More than 5 million yen and less than 6 million yen | 5.0% to 6.0% per year |
| More than 4 million yen and 5 million yen Below | 6.0% to 7.0% per year |
| More than 3 million yen and up to 4 million yen | 7.0% to 8.0% per year< /td> |
| More than 2 million yen and less than 3 million yen | 8.0% to 10.0% per year |
| 1 million Over JPY 2 million yen or less | 10.0% to 12.0% per year |
| 1 million yen or less | 12.0% to 14.5% per year |
Source: Sumitomo Mitsui Banking Corporation official website
Sumitomo Mitsui Banking Corporation card loan can be applied from the loan contract machine to receiving the loan card. You will be notified of the screening results on the next business day at the earliest, so you can use your existing credit card for loans.
*It may differ depending on the confirmation items after completing the application and the submission status of the identity verification documents.
(Image = quoted from Resona Bank card loan)Resona Bank's card loan "Resona Card Loan" is characterized by being able to borrow not only with a dedicated card but also with a regular cash card.
In addition, the maximum interest rate is 13.5%, which is quite low, so it is recommended for those who are concerned about interest rates.
| Usage limit | Borrowing rate |
|---|---|
| 8 million yen | 3.5/year % |
| 7 million yen | 4.0% per year |
| 6 million yen | < td>4.5% per year|
| 5 million yen | 4.9% per year |
| 4 million yen< /td> | 5.5% per year |
| 3 million yen | 7.0% per year |
| 2 million yen | 10.0% per year |
| 1.5 million yen | 10.0% per year |
| 1 million yen | 13.5% per year |
| 700,000 yen | 13.5% per year |
| 500,000 yen | 13.5% per year |
| 300,000 yen | 13.5% per year |
| 100,000 yen | 13.5% per annum |
*salary transfer or mortgage By using , there is an interest rate benefit of -0.5% per year. Source: Resona Bank official website
Resona Card Loan review results will be announced within a week. However, if the application is incomplete or the review is delayed, it may take longer. Also, if you do not have an account, you will need to go through a separate account opening procedure, so it is expected that it will take more time. When applying for a Resona Card Loan, allow yourself plenty of time.
An advantage of the Resona Card Loan is that it has an "auto-charge function" that allows you to automatically finance the insufficient balance with a card loan.
Card loans such as internet banks
What are the advantages of internet bank card loans?
There are many places that offer services unique to Internet banks. For example, the Rakuten Bank Super Loan provides unique services such as receiving Rakuten Points when joining, and receiving preferential treatment in examinations depending on the rank of the Rakuten member.
Online banks also offer card loan services. Banks and trust banks affiliated with commercial facilities also offer card loan services.
Here, we will introduce 7 card loans such as internet banks.
(Image from Rakuten Bank Super Loan)The Rakuten Bank Super Loan has a maximum loan amount of 8 million yen (*500,000 yen for full-time housewives and househusbands) and a maximum interest rate of 14.5%. It is recommended because it is lower than consumer finance card loans.
| Usage limit | Borrowing rate |
|---|---|
| 8 million yen | 1.9 per year %~4.5% |
| 6 million yen or more and less than 8 million yen | 2.0%~7.8% per year |
| 5 million yen or more and less than 6 million yen | 3.5% to 7.8% per year |
| 3.5 million yen or more and less than 5 million yen | 3.9% to 8.9% per year |
| 3 million yen to less than 3.5 million yen | 3.9% to 12.5% per year |
| 2 million yen or more and less than 3 million yen | 5.9% to 14.5% per year |
| 1 million yen or more and 2 million yen Less than | 8.6% to 14.5% per year |
| More than 100,000 yen and less than 1 million yen | 14.5% per year |
Source: Rakuten Bank official website
Rakuten Bank Super Loan screening results will be sent to you by email or phone within 2 business days from the date of your application. However, it seems that it will take several days until the loan is transferred even if it is a bank transfer.
In addition, since it is a Rakuten bank card loan, there is also the feature that you can get Rakuten points. There are often limited-time campaigns, so it is also recommended for those who want to use card loans at a great price.
There are also advantages unique to the Rakuten economic zone, such as preferential screening depending on the rank of the Rakuten member.
Click here to apply for a Rakuten Bank card loan (image = quoted from Sony Bank)Sony Bank card loans allow you to check your borrowing and repayment history online, so you can use your card loan at home without receiving a usage statement. is.
| Usage limit | Borrowing rate |
|---|---|
| 8 million yen | 2.5/year % |
| 7 million yen | 3.0% per year |
| 6 million yen | < td>3.5% per year|
| 5 million yen | 4.0% per year |
| 4 million yen< /td> | 5.0% per year |
| 3 million yen | 6.0% per year |
| 2 million yen | 8.0% per year |
| 1.5 million yen | 9.0% per year |
| 1 million yen | 9.8% per year |
| 900,000 to 600,000 yen | 12.8% per year | td>
| ¥500,000 to ¥100,000 | 13.8% per annum |
Source: Sony Bank official website
With Sony Bank card loans, you can use the "initial transfer service", so you can borrow before you receive the card. However, since it takes more than a day for both the preliminary examination and the main examination, please consider that it will take some time to get a loan.
(Image: Orix Bank Card Loan)The Orix Bank Card Loan has a credit limit of up to 8 million yen and can be used all day at a nearby affiliated ATM, so there is no need to visit a store or open an account.
| Usage Limit | Borrowing Rate |
|---|---|
| More than 7 million yen to less than 8 million yen | 1.7% to 4.8% per year |
| More than ¥5 million to less than ¥7 million | 3.5% to 5.8% per year |
| More than 3 million yen to less than 5 million yen | 4.5% to 8.8% per year |
| More than 1.5 million yen ~3 million yen or less | 5.0%~12.8%/year |
| 1 million yen~1.5 million yen or less | 6.0%/year Up to 14.8% |
| Less than 1 million yen | 12.0% to 17.8% per year |
Source: ORIX Bank official website
Orix Bank card loans are not known how long it will take to get a loan, so it is safer to wait at least a week.
What is unique about ORIX Bank card loans is the “Bright” cancer protection plan. For example, if the balance of the loan and the insurance money are the same, the balance will be covered by the insurance money, so repayment will not be necessary. Orix Bank will cover the insurance premiums, which is a great deal, so this plan is especially recommended for those who are concerned about their health.
(Image = quoted from au Jibun Bank)The au Jibun Bank card loan has a maximum limit of 8 million yen, and it is a card loan that can be used at a great price if you have an au ID. You can complete everything from applying for a card loan to making a contract online, and you can use ATMs at convenience stores nationwide with no fees.
The interest rate ranges from 1.48% to 17.5% per annum, but with the "au Limited Discount" you can get a maximum of 0.5%. After applying for a card loan, the results of the examination will be sent to your e-mail address in as little as one hour, and if you are in a hurry, you can transfer the money to your bank account free of charge after completing the contract procedure. Therefore, it is recommended for those who want to borrow as soon as possible.
SBI Sumishin Net Bank's card loan has been ranked No. 1 overall for 3 consecutive years among 180 financial institutions nationwide in the "2022 Oricon Customer Satisfaction Ranking Bank Card Loan" by oricon ME Co., Ltd. increase. One of the features is that the maximum credit limit is 12 million yen, which is higher than other bank card loans.
| Usage limit | Borrowing interest rate |
|---|---|
| 11.1 million to 12 million yen | < td>1.59% per year|
| 10.1 million to 11 million yen | 2.39% per year |
| 9.1 million yen to 10 million yen | 2.49% per year |
| 7.1 million yen to 9 million yen | 2.99% per year | td>
| 6.1 million to 7 million yen | 3.99% to 4.49% per year |
| From 5.1 million yen 6 million yen | 3.99% to 5.49% per year |
| 4.1 million yen to 5 million yen | 4.99% to 6.49% per year |
| 3.1 million to 4 million yen | 4.99% to 7.49% per year |
| 2.1 million Yen ~3 million yen | 5.29%~8.99%/year |
| 1.1 million yen~2 million yen | 6.39%~/year 11.99% |
| ¥100,000 to ¥1,000,000 | 7.99% to 14.79% per year |
| Usage limit | Borrowing rate |
|---|---|
| 10 million yen | 1.59 per year % |
| 9 million yen or more and less than 10 million yen | 3.0% per annum |
| 8 million yen More than 9 million yen | 3.5% per year |
| More than 7 million yen and less than 8 million yen | 4.0% per year | >
| 6 million yen or more and less than 7 million yen | 5.0% per annum |
| 5 million yen or more and 6 million yen Less than | 5.5% per year |
| More than 4 million yen and less than 5 million yen | 6.0% per year |
| 3 million yen or more and less than 4 million yen | 6.5% per year |
| 2.5 million yen or more and less than 3 million yen | 8.0% per year |
| More than 2 million yen and less than 2.5 million yen | 10.0% per year |
| 1.5 million yen or more and less than 2 million yen | 12.0% per year |
| 1 million yen or more and less than 1.5 million yen | 15.0% per year |
| Less than 1 million yen | 18.0% per year |
Source: PayPay Bank official website
For PayPay bank card loans, you will be contacted in as little as 60 minutes for the preliminary screening results. However, after that, there will be a final examination, so it seems better to think that it will take a few more days until the actual borrowing.
(Image = quoted from AEON Bank)AEON Bank card loan is a card loan that allows you to borrow up to 8 million yen.
| Usage limit | Borrowing rate |
|---|---|
| 8 million yen | 3.8 per year % |
| 6 million to 7.9 million yen | 3.8% to 5.8% per year |
| 500 10,000 yen to 5.9 million yen | 3.8% to 7.8% per year |
| 4 million to 4.9 million yen | 3.8% per year Up to 8.8% |
| 3 million to 3.9 million yen | 4.8% to 8.8% per year |
| 2 million to 2.9 million yen | 5.8% to 11.8% per year |
| 1 million to 1.9 million yen | 8.8% to 13.8% |
| ¥100,000 to ¥900,000 | 11.8% to 13.8% per year |
Source: Aeon Bank official website
Aeon Bank card loans are reviewed 24/7, and you can receive your card in about 5 days after the review is complete.
If you have an AEON Bank savings account, you can borrow money by transferring money to your bank account only once when you apply for a new loan. I would like to use it when I need money urgently before receiving the card.
Regional bank card loans
Can I use a regional bank card loan if I do not live in the area?
Varies by bank. Some regional banks require that you live or work in the area. On the other hand, some banks do not include the area you live in as a condition of use.
There are probably many people who use local banks as a consultation destination for money that is closely related to their lives, such as housing loans and education loans. People who want to use the same bank for card loans should also consider it.
Here, we will introduce 15 types of card loans from local banks.
(Image = Quoted from Yokohama Bank Card Loan)The Bank of Yokohama Card Loan has a high credit limit of 10 million yen. Interest rates range from 1.5% to 14.6% per annum.
Even if you do not have a Bank of Yokohama account, you can apply online 24 hours a day, and there is no need to visit a physical store. In addition, the examination results can be obtained as soon as the next day, and the desired amount within the limit can be transferred to the account at the same time as the contract is signed. It is convenient for people who need money immediately before the loan contract card arrives.
As the loan amount increases, the interest rate decreases and the monthly repayment amount becomes easier, so it is also recommended to combine other loans and credit card revolving payments into one with the Bank of Yokohama card loan.
(Image = quoted from Chiba Bank card loan)The maximum borrowing amount for Chiba Bank card loan is 8 million yen, and if you have a Chiba Bank account, you can complete the procedure from application to contract only on the web.
| Usage limit | Borrowing rate |
|---|---|
| 8 million yen or less6.6 million yen or more | 1.4% to 3.5% per year |
| 6.5 million yen or less5.1 million yen or more | 4.0% per year | 5 million yen or less 4.1 million yen or more | 4.3% per year |
| 4 million yen or less 3.5 million yen or more | < td>5.5% per year|
| 3.4 million yen or less 3 million yen or more | 6.0% to 12.0% per year |
| 2.9 million yen or less 1 million yen or more | 9.0% to 12.0% per year |
| Less than 1 million yen | 14.8% per year |
Source: Chiba Bank official website
Chiba Bank card loan has not stated the exact period until the loan. In the guidance for "those who are in a hurry to borrow money", it is stated that borrowing can be made into a designated savings account at the same time as the contract is signed. If you want to borrow money as soon as possible, you should consider using it.
In addition, if you have a stable income, you can also borrow part-time jobs.
(Image = quoted from Tokyo Star Bank)Tokyo Star Bank's "Star Card Loan" is a card loan that allows you to complete the application online without visiting a branch. The usage limit is 100,000 yen or more and 10 million yen or less. The annual rate is 1.8% to 14.6% (including guarantee fee).
In addition, even if you are not a regular employee, you can apply if you have regular income, such as self-employed, temporary employees, and part-timers. Although the exact period until financing is not specified, it is good to think that it will take more than a week, considering that there are both preliminary and final examinations.
The Star Card loan is also characterized by a 30-day interest-free period from the contract date. Interest-free period service is often seen in consumer credit card loans, but not many bank card loans offer it. If you plan to repay immediately within 30 days, this is the service you want to use.
(Image = quoted from Himegin Quick Card Loan)"Himegin Quick Card Loan" is a bank card loan service provided by Ehime Bank. You can borrow up to 8 million yen.
| Usage limit | Borrowing interest rate |
|---|---|
| More than 5 million yen and less than 8 million yen | 4.4% per year |
| More than 4 million yen and less than 5 million yen | 5.0% per year |
| 8.8% per year | |
| More than 2 million yen and less than 3 million yen | 10.8% |
| More than 1 million yen and less than 2 million yen | 13.0% per year |
| 1 million Below yen | 14.6% per year |
Source: Ehime Bank official website
Ehime Bank is a regional bank in Ehime Prefecture, but you can make a contract online, so you can use it from anywhere in the country. You don't need a repayment account, so it's also recommended for people who don't want to increase their accounts.
Although there is a same-day transfer service that deposits money into the bank account specified at the time of the contract, the exact number of days until the examination is not specified, so be aware of the borrowing time. .
In addition, Himegin Quick Card Loan offers a 30-day interest-free service, which is rare for bank card loans.
(Image: Hokkaido Bank Card Loan "Rapid") We also accept online and phone applications 24 hours a day, seven days a week.Rapid's maximum borrowing limit is 8 million yen, and the interest rate ranges from 1.9% to 14.95% per annum.
Hokkaido Bank is a regional bank in Hokkaido, but you can also borrow at convenience store ATMs such as Seven, Lawson, and Family Mart. The term of the loan is not specified.
We have won first place in the “Hokkaido Satisfaction Ranking” in the 2022 Oricon Recommended Bank Card Loan Ranking.
Source: Oricon "Recommended Bank Card Loans Hokkaido Ranking and Comparison"
(Image = quoted from Ashikaga Bank)Ashikaga Bank's card loan "Moshika (Mo Shi Ca)" has a maximum borrowing limit of 8 million yen, and can be borrowed 24 hours a day, 365 days a year at convenience stores and ATMs. or repayable. Moshika can be contracted only on the Internet, and there is no need to visit a store.
| Usage limit | Borrowing rate |
|---|---|
| 8 million yen | 1.5 per year % |
| 7 million to 7.9 million yen | 3.5% per year |
| 6 million yen 6.9 million yen or more | 4.5% per year |
| 5 million yen or more and 5.9 million yen or less | 5.8% per year | >
| 4.1 million yen to 4.9 million yen | 6.8% per annum |
| 3.1 million yen to 4 million yen Within | 7.8% per year |
| 2.1 million to 3 million yen | 9.8% per year |
| 1.1 million to 2 million yen | 12.8% per annum |
| 1 million yen or less | 14.8% per year |
Source: Ashikaga Bank official website
Moshica's card loan screening results will be sent to you by email within 2-3 days after your application is received. Once the contract is completed, it is possible to borrow on the same day as the contract completion date at the earliest. Moshica can be said to be a card loan that progresses relatively quickly among bank card loans. However, it is not recommended for those who do not want to increase the number of accounts because it is necessary to open an account with Ashikaga Bank.
(Image = quoted from Joyo Bank)Joyo Bank's card loan "Cash Pit" is for people living or working in Ibaraki, Miyagi, Fukushima, Tochigi, Chiba, Saitama, and Tokyo. is eligible for application.
| Usage limit | Borrowing rate |
|---|---|
| 8 million yen | 1.5 per year % to 2.5% |
| More than 7 million yen to less than 8 million yen | 3.5% per year |
| 6 million yen to 7 million yen or less | 4.5% per year |
| 5 million yen to 6 million yen or less | 5.5% per year |
| More than ¥4 million to less than ¥5 million | 7.8% per year |
| Over 3 million yen to 4 million yen or less | 8.8% per year |
| Over 2 million yen to 3 million yen or less | 9.8% |
| 1 million to 2 million yen | 12.0% per year |
| 1 10,000 yen or more to less than 1 million yen | 14.8% per year |
Source: Joyo Bank official website
Cash Pit can be applied for without a Joyo Bank account, and there is no need to create a separate account. In addition, it can be used all year round at Joyo Bank ATMs, Seven Bank ATMs and Lawson Bank ATMs nationwide, and the usage fee is 0 yen.
Cashpit's loan screening will be completed in 2-3 business days at the shortest, and you will be able to borrow within 1-2 business days after the contract is completed. If you have a Joyo Bank account, you can make the transfer as soon as possible.
(Image = quoted from the Bank of Kyoto)Kyoto Bank card loan "Direct" is a limited area card loan for people living in Kyoto, Osaka, Shiga, Hyogo, Nara, and Aichi prefectures. Contracts can be completed online. The maximum borrowing limit is 10 million yen, which is slightly higher than usual.
| Usage limit | Borrowing interest rate |
|---|---|
| More than 9 million yen and less than 10 million yen | 1.9% per year |
| More than 8 million yen and less than 9 million yen | 3.0% per year |
| 4.0% per year | |
| More than 6 million yen and less than 7 million yen | 5.0% |
| More than ¥5 million and up to ¥6 million | 6.0% per year |
| 4 million Exceeding JPY 5 million or less | 7.0% per year |
| Exceeding JPY 3 million but not exceeding JPY 4 million | 8.0% per year | td>
| More than 2 million yen and less than 3 million yen | 10.0% per annum |
| More than 1 million yen and 2 million yen Yen or less | 12.5% per year |
| 1 million yen or less | 14.5% per year |
Source: Bank of Kyoto official website
On the official website of the Bank of Kyoto, the official number of days until the loan was not stated. So make sure you apply with plenty of time to spare.
(Image = quoted from Yamaguchi Bank)Yamaguchi Bank's regional bank card loan "My Card Yamaguchi-kun" has a maximum credit limit of 3 million yen. If you have a Yamaguchi Bank savings account, you can complete the contract without visiting the store. In addition, the contract is a little longer at 1 or 5 years, and will be automatically renewed each time the contract period expires.
The borrowing rate for My Card Yamaguchi is 4.5% to 14.5% per annum. Since the period until the loan is unknown, let's apply with the intention that it will take a certain number of days when borrowing.
(Image = quoted from Momiji Bank)"My Card Momiji-kun" is a card loan from Momiji Bank, a regional bank headquartered in Hiroshima Prefecture, with a maximum borrowing amount of 3 million yen. The borrowing interest rate is 12% or 14.5% per annum for borrowings with a credit limit of 1 million yen or less, and 8.5% or 12% per annum for credits with a credit limit of 1.1 million yen or more.
It is a regional bank in Hiroshima, but it is possible to apply online instead of a card loan limited to the area.
It usually takes 2-3 days after the application to receive the results of the provisional screening, and it takes about 10 days to receive the loan card even after the formal procedures are completed. Therefore, it seems better to think that it will take at least two weeks from the first application to be able to borrow.
(Image = quoted from Fukuoka Bank)Fukuoka Bank has two card loans to choose from. Both are card loans for people who live and work in Kyushu and Yamaguchi, or who have a savings account at Fukuoka Bank.
It is a card loan with a limit of 100,000 yen to 1,000,000 yen. It can be said that it is suitable for those who are considering a small loan. The interest rate is fixed at 14.5%.
You can borrow from 100,000 yen to 10 million yen, so if you want to borrow a certain amount of money, the Bank of Fukuoka card loan is more suitable. Borrowing interest rates are shown in the table below.
| Usage Limit | Borrowing Rate |
|---|---|
| More than 8 million yen to 10 million yen | 3.0% per year |
| Over 7 million to 8 million yen | 4.0% per year |
| 5.0% per year | |
| Over ¥5 million to ¥6 million | 6.0% |
| Over ¥4 million to ¥5 million | 7.0% per year |
| 3 million Exceeding ¥4 million | 8.0% per year |
| Exceeding ¥2 million-¥3 million | 10.0% per year | td>
| Over ¥1 million to ¥2 million | 12.0% per annum |
| ¥100,000 to ¥1 million Yen | 14.5% per annum |
Source: Bank of Fukuoka official website
If you have a cash card and apply online, it will take about 1 week to 10 days from screening to transfer. You can use it even if you do not have a Fukuoka Bank account, but in that case, the contract will be sent by mail, so please be careful as it will take longer than the online completion.
(Image = quoted from Shizuoka Bank)Shizuoka Bank's "Seleca" allows you to make transactions between a savings account and a card loan with a single cash card. The maximum usage limit is 5 million yen, and the application can be completed only on the website. You can apply from all over the country, but you need to open an account to use the card loan.
| Usage limit | Borrowing interest rate |
|---|---|
| More than 4 million yen and less than 5 million yen | 4.0% per year |
| More than 3 million yen and less than 4 million yen | 7.0% per year |
| 9.0% per year | |
| More than 1 million yen and less than 2 million yen | 12.0% |
| 1 million yen or less | 14.5% per year |
Source : Shizuoka Bank Official Website
The official website does not specify the period until the loan, but it is said that the card will be delivered to the person in about a week. In other words, it is expected that the loan will take at least a week or more, so it is necessary to apply with plenty of time.
Unusually for local bank card loans, it is also characteristic that they offer an interest cashback service. Although it is limited to first-time users, interest for up to 45 days from the contract date is profitable.
(Image = quoted from Suruga Bank card loan)Suruga Bank is a regional bank with its head office in Numazu. You don't need to be a Shizuoka resident to use a card loan, and you don't need a savings account. Of course, you don't have to come to the store when you apply.
The maximum usage limit is 8 million yen, and it can be used from 100,000 yen to 8 million yen. Borrowing interest rates range from 3.9% to 14.9% per annum.
The period until the loan is unknown, but it is safer to think that it will take a few days because the contract and transfer procedure will be done after the preliminary examination and the final examination.
You can also choose a “loan attached to consumer credit group life insurance with a cancer protection rider”. When you are diagnosed with cancer for the first time, you don't have to worry about repayment because the insurance money can be applied to the balance of the loan. You can choose it when you apply for a card loan, so if you want to prepare for future health risks, you should consider it.
(Image = quoted from Nishi-Nippon City Bank)Nishi-Nippon City Bank is a regional bank that operates mainly in western Japan, with its head office in Fukuoka City, Fukuoka Prefecture. "NCB Cash Ace" is a card loan from Nishi-Nippon City Bank, Ltd., with a maximum credit limit of 3 million yen.
| Usage limit | Borrowing rate |
|---|---|
| 2 million yen or more | year 13.00% |
| 1 million yen or more | 14.00% per year |
| Less than 1 million yen | 14.95% per annum |
Source: Nishi-Nippon City Bank official website
"NCB Cash Ace" can be borrowed in as little as 7 days, and there is no need to issue a dedicated cash card. The condition is that it can be used by "people who live or work near the store", but please be aware that stores in Tokyo and Osaka do not handle it.
(Image = Quoted from Hachijuni Bank)"Hachinino Kanta-kun Card" is a card loan from Hachijuni Bank, which has its head office in Nagano City, Nagano Prefecture. The maximum borrowing amount is 5 million yen, and the ATM fee for borrowing and repayment is 0 yen. Interest rates range from 5.5% to 14.5% per annum.
You don't have to open a Hachijuni Bank account to use it, but if you have a savings account, you can transfer money immediately after signing the contract. Since the period until the loan is not specified on the official website, let's apply with the intention that it will take a certain number of days.
(Image = quoted from Hokuriku Bank)"Super NOW" is a card loan of Hokuriku Bank, which has its head office in Toyama City, Toyama Prefecture and is used in the Hokuriku area. Only those who have a Hokuriku Bank ordinary deposit cash card can use it.
The maximum credit limit is 10 million yen, which is relatively high for regional bank card loans. The interest rates for Super NOW are shown in the table below.
| Usage limit | Borrowing interest rate |
|---|---|
| More than 9 million yen and less than 10 million yen | 8.6% per year |
| More than 5 million yen and up to 9 million yen | 11.6% per year |
| 12.6% per year | |
| More than 3 million yen and less than 4 million yen | 13.6% |
| Under 3 million yen | 14.6% per year |
Source : Hokuriku Bank official website
If you use "Hokugin Point Club" or "Hokugin Gold Card", you have the advantage of lower interest rates. There is also a "Card Loan Quickman" for those who do not have a Hokuriku Bank account.
You can complete the process from application to contract on the web, but it may take a certain amount of days before you can actually borrow.
Top 3 Bank Card Loans Focusing on Interest Rates!
Where is the most recommended card loan if "interest rate" is important?
If you value low interest rates, Chiba Bank card loans are recommended. However, depending on the conditions, the interest rate of the au Jibun Bank card loan may be lower than the Chiba Bank card loan.
From "27 recommended bank card loans", we picked up the 3rd place with the lowest interest rate. If you want to borrow money as cheap as possible, please check it out.
The Chiba Bank card loan has a minimum interest rate of 1.4%, which is the lowest interest rate among the bank card loans introduced this time. Temporary, part-time, and part-time workers can also borrow, and all procedures are completed on the Internet. In addition, you can request an increase in the upper limit of the borrowing amount, if necessary, according to your repayment capacity at that time.
However, there is a limited area that can be used, so please be careful if you are considering borrowing.
(Image = quoted from au Jibun Bank)The interest rate for "au Jibun Bank card loan" is 1.48% to 17.5% annually, but if you have an auID, it will be 1.38% to 17.4%, and if you have an auID, If you refinance it, the interest rate will drop from 0.98% to 12.5%.
If you have an auID, you can borrow at a lower interest rate than the No. 1 Chiba Bank card loan.
(Image = Sumitomo Mitsui Banking Corporation Card Loan)"Sumitomo Mitsui Banking Corporation Card Loan" can be borrowed at an annual interest rate of 1.5% to 14.5%.
It is also a feature that various generous support is attached to systems such as application and borrowing. Another advantage is that you can receive a special loan card on the spot if you apply from the loan contract machine.
*It may differ depending on the confirmation items after completing the application and the submission status of the identity verification documents.
Where is a bank card loan that can be borrowed on the next day or the next business day?
Where can I get a bank card loan as soon as possible?
Bank card loans can only be borrowed the next day or after the next business day at the fastest. Therefore, if you want to borrow in the shortest same day, a bank card loan is not suitable. Bank card loans that can be borrowed relatively quickly include Mitsubishi UFJ Bank card loan "Banquick", Bank of Yokohama card loan, and three other banks.
Here, from among bank card loans, we will introduce card loans with a relatively short period until financing.
In addition, bank card loans cannot be borrowed on the same day. This is because the bank accesses the Tokyo Metropolitan Police Department's database at the time of examination and investigates whether there is any relationship with antisocial forces.
Therefore, it is expected that it will take some time to get the loan.
On the official website of the bank card loan, there are not many places that specify the number of days until the loan. This time, we have picked up bank card loans that can be borrowed on the next day or the next business day at the shortest.
*Depending on the status of the review, it may take longer than the time introduced.
(Image = quoted from Banquick)One of the megabanks, Bank of Mitsubishi UFJ's card loan "Banquick", can be received at the TV window, the screening will be completed in the shortest possible time, and the card loan will be made the next business day after the contract. You can receive a card for It is recommended when you are in a hurry to borrow money because there is no admission fee or annual fee and there is a sense of security of a mega bank.
Click here to apply for Banquick (Image = Quoted from Bank of Yokohama Card Loan) You can apply online 24 hours a day, and the result of the examination is the next day at the shortest, so if the contract procedure goes smoothly, it will be possible to borrow the next day. It is also a feature that you can check borrowing, repayment, and usage status with the app.(Image = quoted from Mizuho Bank Card Loan)With Mizuho Bank Card Loan, the shortest time to review a card loan application is the next business day, so if you proceed quickly, you can get a loan on the next business day. Also, there are benefits that apply when using a card loan, so please check it out.
(Image = Sumitomo Mitsui Banking Corporation card loan)For a Sumitomo Mitsui Banking Corporation card loan, you can use the loan contract machine to apply for a card and receive a dedicated loan card. You will receive your loan card on the day of application, and the results of the examination will arrive on the next business day at the earliest.
*It may differ depending on the confirmation items after completing the application and the submission status of the identity verification documents.
(Image = quoted from au Jibun Bank)With au Jibun Bank card loans, the screening results can be obtained in as little as one hour, and the funds can be transferred to the account after the contract procedure is completed. However, if you are in a hurry, call the au Jibun Bank Loan Center and let them know.
Where is a bank card loan with a high borrowing limit?
Which bank card loan has the highest borrowing limit?
Sumishin SBI Net Bank Card Loan has the highest borrowing limit among the ones introduced this time. In second place, four bank card loans, including Hokuriku Bank card loans and PayPay bank card loans, have higher borrowing limits.
Lastly, we will introduce bank card loans that allow you to borrow higher amounts from 27 bank card loans. Whether you can actually borrow the maximum borrowing limit depends on the examination, but it is better to have a higher borrowing limit as possible in case of emergency.
If you are going to apply, choose a bank card loan that can be used for as wide a variety of purposes as possible.
The Sumishin SBI Net Bank card loan is a bank card loan with the highest borrowing limit of up to 12 million yen. It is a bank card loan that has been highly evaluated, such as being ranked first in the “2022 Oricon Customer Satisfaction Ranking Bank Card Loan” by oricon ME Co., Ltd.
In addition, since the card loan function is attached to the cash card, there is no need to issue a dedicated loan card, and it is also an advantage that the statement will not be sent to your home.
(Image = quoted from Hokuriku Bank)Hokuriku Bank's "Super NOW (EX)" has a maximum borrowing limit of 10 million yen. By registering with the Hokugin Point Club, which can be registered for free, the interest rate can be reduced by up to 3%. If you have a Hokuriku Bank cash card, you can complete everything from application to contract online.
(Image = quoted from PayPay Bank)PayPay Bank has a maximum borrowing limit of 10 million yen, just like Hokuriku Bank. Since it is an online bank, it is also attractive that the hurdles for applying for a loan are lower than those of megabanks and regional banks. There are also benefits such as "1,500 yen just for signing," "Up to 10,000 yen for borrowing after signing," and "0 yen interest for 30 days from the first borrowing," so please check it out.
(Image = quoted from the Bank of Kyoto)The Bank of Kyoto card loan "Direct" also has a maximum borrowing limit of 10 million yen. If you are thinking of borrowing a bank card, be careful if you are thinking of borrowing because it is a limited bank card loan for people living in Kyoto, Osaka, Shiga, Hyogo, Nara, and Aichi prefectures.
(Image = quoted from Tokyo Star Bank)Tokyo Star Bank "Star Card Loan" also has a maximum credit limit of 10 million yen. In addition, although the maximum credit limit is high, not only full-time employees, but also self-employed, temporary employees, and part-timers with regular income can apply.
What kind of loan is a bank card loan?
What are the characteristics of bank card loans?
There are credit system and consumer finance system in card loan, but among them, bank card loan is developed by banks for individuals. With home loans and free loans, you can usually borrow only once, but with card loans, you can borrow as many times as you like as long as it is within the limit set at the time of contract.
A small moneylender that provides loans to individuals.
From here, I will introduce the features and mechanisms of bank card loans. By knowing properly, let's be able to choose a bank card loan that suits you.
Bank card loans are mainly issued by various types of banks, such as megabanks, regional banks, and Internet banks. Since you can borrow from a bank with financial strength and name recognition, you can feel secure as a borrower. It is also an advantage that there are many places where services such as borrowing and application are generous.
One of the features of bank card loans is that the maximum borrowing limit is higher than cash advances that borrow money with credit cards. Therefore, if you may need a high amount of money, consider borrowing from a bank card loan from the beginning.
Bank card loans can be borrowed at many places, such as convenience store ATMs and bank ATMs installed in various places, as well as bank stores. In addition, there are many cases where you can borrow money using the Internet or apps, so you can borrow money immediately when you need it.
The maximum interest rate for card loans is capped by the Interest Rate Restriction Law in order to solve the problem of multiple debts. Bank card loans are often characterized by relatively low interest rates compared to consumer loans. As a result, it is possible to repay at a pace that is not unreasonable.
A law that defines the upper limit of the interest rate that occurs when lending and borrowing money.
Bank card loans are generally said to be slow and tough, but that's not always the case. Depending on the bank, bank card loans that can be borrowed on the next day or the next business day at the shortest, and even part-timers and full-time housewives can borrow are increasing.
Also, since you can borrow money with peace of mind in the first place and the service side is also substantial, the slowness and severity of the examination may not be a disadvantage.
For money lenders, there is a system called "total amount regulation" that can only lend up to one-third of the annual income, but it is not applied to banks.
On the other hand, there are cases of borrowing too much, so the banking industry has strengthened its self-regulatory movement, and has begun to thoroughly investigate users' income and repayment ability.
Attractive low interest rates! Advantages of bank card loans
What are the advantages of bank card loans?
The reasons for choosing a bank card loan from various borrowers, such as cash advances and consumer credit card loans, are reasons such as security, low interest rates, and ease of borrowing. Make sure that the points you emphasize when borrowing are applicable to bank card loans before considering borrowing.
Here, I will explain the benefits of bank card loans. It is very important to know what the advantages are compared to other borrowing methods.
The advantage of bank card loans is that interest rates are often lower than consumer loans.
If the interest rate is low, you will be able to repay the loan at a reasonable pace. Consumer loans are not covered by insurance from guarantee companies and have borrowing limits due to total volume restrictions, so bank card loans with no restrictions seem to be able to set relatively cheap interest rates.
An advantage of bank card loans is that there are no fees when borrowing or repaying at affiliated ATMs. Bank card loans can be borrowed as many times as you like within the credit limit, so if you have to pay a fee each time, it will be unexpectedly expensive.
Also, if you don't use automatic withdrawals from your bank account, you will have to transfer the money each time at an ATM, so being able to transfer money without any fees is a big advantage.
It is also a great point that various procedures are easy if you have an account at the bank. For example, it may be possible to shorten the procedure for the first application, or if you have an account when you want to borrow quickly, you can transfer the money immediately after signing the contract.
Also, when repaying, if you have an account, you can set the monthly repayment amount to be automatically withdrawn, so you will not miss any repayments.
In order to prevent excessive borrowing when borrowing money, total volume restrictions are set for money lenders. The total volume regulation is a system that allows you to borrow only up to 1/3 of your annual income.
Banks are not subject to this total volume regulation. As a result, they often have higher borrowing limits than other lenders. However, in order to prevent users from borrowing too much money, recently it has become a trend for each bank card loan to go through self-regulation.
Some of you may have experienced the trouble of withdrawing money from an ATM, withdrawing public utility bills or credit cards because there was no money in your account. Some bank card loans have an "automatic loan function" to prevent such situations.
The automatic loan function is a function that automatically lends the insufficient amount within the credit limit of the card loan. It is also a good idea to choose a bank card loan with an automatic loan function in case of emergency.
Disadvantages and precautions of bank card loans
What are the disadvantages of bank card loans?
It can be said that it is a disadvantage that it takes time to finance.
The typical disadvantage of bank card loans is that it takes time to borrow. Bank card loans cannot be processed on the same day as the procedure, so at the fastest, the loan will be made after the next business day. In addition, there are many banks that take a certain amount of time to review, and the current situation is that there are few card loans that can be borrowed on the next business day.
However, depending on the bank card loan, you may be able to transfer the amount you want to borrow early by telling us when you apply. If you really want to borrow early, check the official website or contact the bank to see how long it will take to get the loan.
Neither banks nor consumer finance companies disclose their screening criteria. Therefore, it is not possible to say which one is tougher or sweeter. However, in any case, if the repayment is not made properly, the bank will not be profitable. Consumer finance and banks will be the same as being thoroughly screened for repayment ability.
It depends on the bank card loan, but one of the disadvantages is that you may not be able to use the card loan unless you open an account. Also, even if you can apply, it may take time to repay if you do not have an account. Even if the loan conditions are perfect, some people may refrain from using it because they do not want to increase the number of accounts as much as possible.
Depending on the bank, there are places where you can use it even if you don't have an account at that bank. If you don't want to increase your account, let's consider it.
The fact that you have passed the examination of a bank card loan means that it has been judged that you have the ability to repay, but if you borrow too much, it will be a big burden on your life.
The fact that you can borrow as many times as you like within the limit may also be a factor in overborrowing. Be careful not to borrow too much by carefully considering your income and repayment capacity.
The higher the repayment amount, the longer the repayment period. You can also repay a small amount such as 1000 yen per month, but if the repayment amount is too small, you may not be able to finish repaying.
It is important to plan using a service such as a repayment simulation that can calculate the monthly repayment amount so that you can pay it off in a period that does not stress you to some extent.
Let's find hints about screening criteria when applying for a bank card loan!
What are the screening criteria for bank card loans?
Because the clear criteria for judging have not been disclosed, I do not know what kind of criteria must be cleared to be accepted. In general, it is considered whether there are any deficiencies in repayment ability and documents, and whether you are using a card loan from another bank.
When you apply for a card loan, you cannot avoid the examination to check whether the user has the ability to repay. Let's look for hints on what standards are being judged.
First of all, the criteria for examination is whether or not you have the ability to repay. If the repayment is not received stably and properly, the bank will not be able to earn profits, so repayment ability will be a major criterion.
For example, if the amount you want to borrow is too high or if you are applying for various loans in a short period of time, you may have doubts about whether you can really repay. In addition, people with short tenure and unstable income are often judged to have low repayment capacity. Of course, it is said that it is easy to fail the examination if the repayment has been delinquent in the past.
As a criterion for the examination, it is also important to check whether the required documents are complete. If there are any deficiencies, the review will not proceed, so it will take a long time to receive the review results. Also, if you make a false statement in the document, it will not pass the examination as "unauthorized content". Insufficient documentation may be considered false.
In the examination of bank card loans, there is also a confirmation of "credit information", which is the history of loans and credits. Credit information is recorded by a third-party organization, and you can check the repayment status of debts and the presence or absence of personal bankruptcy.
If you have arrears in repayment or bankruptcy in the past, it will be judged that you do not have the ability to repay, so there is a high possibility that your past transaction history will also be involved in the examination.
Most card loan screening applications require a phone call to confirm that you are enrolled at your employer. Enrollment confirmation is for confirming whether the place of employment declared at the time of application is correct. Failure to confirm enrollment will result in a delay in the screening process. Also, there is a risk that the examination will not pass if the phone is not connected too much.
Basically, you will be contacted in a way that respects the applicant's privacy, so never lie to avoid calling the company.
I love that it can be used for anything! Recommended points for bank card loans
What are the recommended points for bank card loans?
The reason why bank card loans are recommended is that they are not limited in their uses. In addition, it is a point that I would like to recommend a bank card loan that you can choose a system to make it easier to repay, and you can borrow even if you are a part-time worker or a part-time worker.
There are various ways to borrow money, such as cash advances and free loans. Even so, what are the recommended points because it is a bank card loan?
Here, we will introduce the recommended points of bank card loans.
As a feature of bank card loans, there are no restrictions on the use of borrowed money, and you can use it freely for whatever you like. You can use it when you suddenly need money due to an accident or illness, when you have unexpected expenses such as wedding gifts, or when you suddenly need money for entertainment such as golf or travel. can.
If you don't actually borrow money, you won't get interest, so as a way to get money in case of emergency, it's one way to make a contract for a card loan just in case.
In bank card loans, it is common to repay with "scheduled repayment". As a method of determining the amount to be repaid by scheduled repayment, many companies are adopting a method called “revolving payment”.
Revolving repayment methods are generally ``fixed principal and interest repayment method'' and ``balance sliding principal and interest fixed amount repayment method''. Some bank card loan companies have a “repayment simulation” page on their official websites, making it easy to plan monthly repayments.
It is a repayment method that returns a fixed amount every month.
A method of repaying a fixed amount that includes the principal and interest.
It is basically the same as the principal and interest fixed amount repayment method, but the amount to be repaid changes depending on the remaining balance of the loan.
There is an image that only full-time employees can receive loan screening, but part-time workers and part-timers can apply for bank card loans. Bank card loans are judged by whether or not you have the ability to repay, so even part-time workers can use bank card loans as long as they have the ability to repay.
Bank card loans can be borrowed easily at bank ATMs. Also, it is nice to be able to borrow money not only from banks but also from ATMs in convenience stores.
Some bank card loans can be borrowed with a cash card in a savings account. However, please be aware that cash cards that can be used as card loan cards may not be able to borrow at convenience store ATMs.
There are also bank card loans that can be borrowed through smartphone apps and internet banking. Since it is possible to borrow money easily in a short time, it is a helpful point to be able to prepare money immediately in case of emergency.
What should we focus on? How to choose a bank card loan
What criteria should I consider when choosing a bank card loan?
The criteria for choosing a bank card loan depend on how the loan is used and what a person values. In addition, the options may vary depending on the service content and benefits at the time of contract. For example, for those who want to borrow as soon as possible, the speed of the examination is also important.
There are various types of bank card loans, and the card loan you should choose depends on the part you emphasize. Here, we will focus on how to choose a bank card loan.
An important point when choosing a card loan is whether or not the service is complete, such as completing the application only on the web and internet banking.
There may be benefits beyond your imagination, such as zero interest for a certain period of time or points that can be used as money, so be sure to check when applying.
The abundance of borrowing methods and repayment methods is also an important point when choosing. For example, if you can only borrow money at a store, you have to go to that bank, which is difficult. Conversely, if you can borrow money at a convenience store ATM, you can borrow money anywhere in the country. In addition, bank card loans with an "automatic loan function" that automatically covers the shortage when there is not enough money in the account are also convenient.
It will also be a point to choose whether you can use various methods for repayment, such as scheduled repayments that are automatically deducted every month, and "temporary repayments" that you can repay in bulk when you have money.
Bank card loans are said to be slower to process than consumer loans, but some banks have bank card loans that can be borrowed as early as the next business day. Before applying for a bank card loan, check the speed of the examination so that you can use it at the speed that suits your purpose.
It is not limited to bank card loans, but if the procedure for applying is complicated and you need a lot of necessary documents, you will feel that the hurdles to borrowing are high. Therefore, whether the application method is easy or not is a point that you want to focus on when choosing a bank card loan.
Check the documents required to apply for a bank card loan!
What documents are required for a bank card loan?
When you apply, you will need two main documents. One is a “personal identification document” such as a driver’s license or My Number card. The other is "income proof". If there are any deficiencies, the review may be delayed or the contract may not be concluded, so it is important to prepare the correct information.
To use a bank card loan, you must first apply for a card loan membership. To avoid delays in applying, please check the required documents in advance.
Here are the documents that are generally required.
One of the documents that can be used as identification documents is a driver's license. A driver's license also has a photograph of the face, and can be used as a document for identity verification in almost all bank card loans. Basically, you only need to submit the front side of your driver's license. Also, if the light is reflected or blurred, and the characters cannot be read properly, the procedure cannot be completed.
The health insurance card is also a document that can be used as an identity verification document. Please submit all the written sides so that your name, date of birth, and current address can be confirmed.
Resident cards and special permanent resident certificates can also be used as identification documents. Both have a photo of your face, and it is also a condition that you can check the photo of your face properly. If your current address is written on the back side, please include the back side.
In addition to your residence card and special permanent resident certificate, you may also need another identity verification document, so be sure to check the official website of the bank card loan.
In many cases, you will need to submit documents that confirm your income for loans with a credit limit of over 500,000 yen. A salary statement is one of the documents that can be used as a document for income verification, so basically please submit the most recent few months. The number of recent months will vary depending on the bank card loan, so be sure to check when considering a card loan.
The withholding slip issued by the company you work for in December or around January of the following year is also a document that proves your income. It is suitable as a document to submit when screening a bank card loan, as it allows you to know how much salary was paid in that year. However, the year of issue must be the previous year and the issuer must be the same as the company you are currently working for.
There are other documents that can be used as proof of income, so be sure to check the official website when applying.
What conditions should I meet to get a bank card loan?
What are the conditions for getting a bank card loan?
The conditions differ depending on the bank, but in order to borrow, you have to meet the conditions to some extent. There are various conditions, such as the number of years of service, whether you have not been behind on your cell phone bill payments, and whether you have any other loans.
For bank card loans, clear screening criteria are not disclosed, but points that are often confirmed are decided to some extent. Here are the conditions that you should meet when taking out a bank card loan.
How long you have worked for the company you are enrolled in when you apply for a card loan review may also be considered important. The longer the length of service, the lower the possibility of quitting the company as a result, and it seems that it is easier to pass the examination because it is judged that you will be able to earn a stable income in the future.
Also, please be aware that if you have a short number of years of service, you may be judged as a person with little credibility who will quit the company soon, and you may be more likely to fail the examination.
The payment for mobile devices such as smartphones is treated as a credit contract in which the credit company pays in advance and the purchaser repays it at a later date, so if you are late, it will be treated as if you were behind on your loan repayment. put away. Therefore, if there is a delay in the mobile phone bill, it seems that it will be judged that there has been a delay in repayment of the loan in the past.
If your annual income and the amount you want to borrow are not in balance, there is a high chance that you will be rejected. Banks focus on whether they have the ability to repay, so they cannot pass the examination under conditions where repayment cannot be expected. However, if you can make a reasonable repayment plan, you may be able to pass the examination even if your annual income is low.
Applying for multiple bank card loans is not a problem in terms of laws and rules. However, if you apply for multiple credit card loans, you will be registered with the credit bureau. Therefore, the bank side can grasp that the user is using multiple card loans from the credit information. As a result, it will be difficult to borrow if the amount exceeds the total amount regulation.
Also, even if you do not exceed the total amount regulation, you may be in danger of repayment ability, so basically it is recommended to consolidate card loans.
An information agency that can confirm credit information related to loans and credit contracts.
Residential status and years of residence are also factors in the examination. If your monthly housing-related expenses are more than your income, it will be judged that the amount you can pay back will be less. In terms of years of residence, it seems that people who have lived in the same place for a long time are considered to be living a stable life.
Check the ranking of recommended bank card loans!
Please tell us your recommended ranking among the bank card loans introduced so far.
As a result of checking the interest rate and preferential services, we recommend Sumitomo Mitsui Banking Corporation card loan. Also, au Jibun Bank card loan and Rakuten Bank Super Loan are good options.
Introducing recommended bank card loan rankings. This time, the priority was placed on interest rates and preferential services rather than the speed of lending. Please refer to it.
The No. 1 recommended bank card loan is the "Sumitomo Mitsui Banking Corporation Card Loan", which has a low maximum interest rate of 1.5% to 14.5% per year and a solid support system at a megabank. You can apply without opening a savings account, but if you have one, you can easily apply online 24 hours a day.
You can also borrow with your cash card. If you complete the contract procedure at the loan contract machine, there is no mailing to your home or place of work.
The second place in the ranking of recommended bank card loans is the “au Jibun Bank Card Loan,” which has an annual interest rate of 1.48% to 17.5% and an additional 0.5% preferential interest rate for au limited discounts.
au Jibun Bank is an internet bank jointly invested by KDDI and Mitsubishi UFJ Bank, and you can complete everything from application to contract on your smartphone. In addition, there is no mailing of the usage statement, and you can check it on the web. Since it can be used for various purposes, it can also be used in business situations such as sudden drinking parties by making a contract in advance.
The third place is "Rakuten Bank Super Loan" with an annual interest rate of 1.9% to 14.5%. Rakuten Bank Super Loan will give you 1000 Rakuten points when you join the card loan. Furthermore, it is characterized by many advantageous benefits, such as up to 30,000 points as gifts according to the amount used.
On the official website, there is also a page for repayment simulation so that you can easily consider how much you will repay each month.
Click here to apply for a Rakuten Bank card loanThe 4th place "Sumishin SBI Net Bank Card Loan" has a maximum credit limit of 12 million yen. It is a highly rated bank card loan that has been ranked 1st overall for 3 consecutive years in the “2022 Oricon Customer Satisfaction Ranking Bank Card Loan” by oricon ME Co., Ltd.
Also, if you have a cash card, there is no need to issue a loan-only card because the card loan function is attached to the cash card.
Fifth place is "PayPay bank card loan" with an annual interest rate of 1.59% to 18%. PayPay bank card loan will give you 1500 yen just by signing a contract without borrowing. In addition, there are attractive benefits such as up to 10,000 yen for card loans.
For first-time users, the fact that interest is zero yen for 30 days from the first borrowing date is a great point. PayPay bank card loan also has the advantage of not receiving mailings related to card loans.
Check Q&A about bank card loans
Recommended borrowing methods with low interest rates and free purpose
This time, 27 recommended bank card loans In addition, we introduced various points about bank card loans. Credit Card Loans
Of course, it is important to plan and borrow so that you can repay properly, but bank card loans can be used for any purpose, so you can use it when you need a little money for hobbies or entertainment. It may be a good idea to have a bank card loan with low interest rates and generous services as insurance in the event of an emergency.
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