![[Promise SMBC Mobit] Comparison and explanation of card loan services of two companies](https://website-google-hk.oss-cn-hongkong.aliyuncs.com/drawing/article_results_9/2022/3/9/0a707bf3a81dde1412405377d1fdd6ed_0.jpeg)
[Promise SMBC Mobit] Comparison and explanation of card loan services of two companies
"I'm running out of money due to a series of unexpected expenses..." "I often hear Promise and Mobit, but which one do you recommend?"
A thorough explanation of Promise and Mobit for those of you who have the above problems! If you read this article, you will find out whether each interest rate, ease of examination, and same-day loans are possible.
Among many card loans, SMBC Group's "Promise" and "Mobit" have high name recognition due to their commercial effect. There is a strong sense of security and we can recommend these two companies, so please read to the end and use them as a reference when choosing a card loan.
In particular, Promise is recommended because it is easy to apply and has a 30-day interest-free period.
Contents
- People who recommend Promise
- People who recommend SMBC Mobit
- Comparison table Promise and SMBC Mobit
- What are the characteristics of promises?
- Features of SMBC Mobit
- What kind of companies are Promise and SMBC Mobit?
- Comparison of Promise and SMBC Mobit by interest rate
- Promise has a 30-day interest-free service
- Which one is easier to get a same day loan?
- Which one is easier to pass the examination?
- Which one has the lowest monthly repayment burden?
- Which one is harder to find out?
- People who are suitable for Promise
- Types of people who are suitable for SMBC Mobit
- You cannot apply for both
- If I become black at one company, can I still apply to the other company?
- Frequently asked questions
- Summary
People who recommend Promise
Who is Promise recommended for? ?
Promise is recommended for those who want money right away, those who need a small loan, and those who are troublesome to prepare documents.
Promise is the largest consumer finance company and won the No. 1 non-bank card loan ranking in the Oricon customer satisfaction ranking for two consecutive years, 2020 and 2021.
Promise is recommended for:
With Promise, you can receive a loan on the same day after screening in as little as 30 minutes, and if you use it for the first time, the interest will be 0 yen for 30 days.
If the amount is less than 500,000 yen, you can apply only with your identity verification documents. Promise is recommended for those who want to borrow a small amount in a short term.
| Promise | |
|---|---|
| Rate | 4.5%~17.8% |
| No interest period | Available (30 days after borrowing for the first time only) |
| Same day loan | < td>Possible|
| Pass rate | 38.4-41.1% |
| Hard to find out th> | Web complete, no mail available |
| Unmanned contract machine | Sumitomo Mitsui Bank terminal, Promise terminal |
People who recommend SMBC Mobit
Who is SMBC Mobit recommended for?
SMBC Mobit is recommended for those who do not want their family to find out, those who are considering a large loan, and those who use T cards.
SMBC Mobit, which is familiar with commercials starring Mr. Naoto Takenaka, is also active in lending to housewives and elderly people who tend to be avoided by other companies. People who recommend SMBC Mobit are as follows.
Mobit is committed to protecting privacy, such as omitting phone confirmation when applying for "Web Complete".
SMBC Mobit has a high borrowing limit of 10,000 yen to 8 million yen.
(Quote: SMBC Mobit official site(Quote: SMBC Mobit official website)
You can also use credit cards and points by linking with T cards.
The T Card Plus credit card can be used not only as a credit card or a T card, but also has a mobit card loan function.
This card loan is recommended for those who want to borrow money at a good price by using the credit card function well.
| SMBC Mobit | |
|---|---|
| Interest rate | 3.0%～18.0% |
| Interest free period | None |
| Same day loan | Available (day of the week, time Depending on the belt) |
| Examination pass rate | Undisclosed |
| Hard to find out | Complete online, no mail available, no phone contact if completed online |
| Unmanned contract machine | Sumitomo Mitsui Bank terminal |
Thorough comparison chart Promise/SMBC Mobit
I want to compare Promise and SMBC Mobit!
We have prepared a table so that you can thoroughly compare the two companies. There are many differences when you compare them.
Please see the table that summarizes the differences between Promise and SMBC Mobit.
(Quote: SMBC Mobit official websiteAs you can see from the comparison, SMBC Mobit is a card with a high limit and a low minimum interest rate It turns out to be a loan.
On the other hand, Promise is a card loan that is easy to apply for because it has a fast loan, has an interest-free period, and does not require proof of income depending on the amount borrowed.
By the way, both companies belong to the SMBC Group, a mega bank, so there is no need to worry about the soundness of management.
What are the characteristics of promises?
What's the best thing about promises?
The biggest feature is that it is set to be easy for users to use, such as cashing services for women. Promise has been ranked No. 1 in Oricon customer satisfaction rankings for non-bank card loans for two consecutive years in 2020 and 2021.
(Quote: Promise official website)Promise has a high customer satisfaction rate, and is also characterized by its "ladies cashing" and services that are easy for women to borrow.
Here are some reviews and ratings.
Click here for Promise's official websiteThis is a review about "Ladies Cashing", which is also a feature of Promise.
There are other reviews about enrollment confirmation.
The reviews of Promise are mainly as follows.
I think that the good telephone response and the convenience of no interest for 30 days lead to customer satisfaction. Same-day loans are also available, which is convenient if you need the money urgently.
Promise Ladies Cashing is a card loan for women. We have a dedicated dial for women, and a female operator will consult on applications and transactions. Housewives and students can apply if they have a stable income even if they have a part-time job.
In addition, 24-hour web reception, ladies call, and Promise ATM are available for borrowing methods. Promise-affiliated ATMs are installed all over Japan, so you can conveniently borrow anywhere.
Promise Shunfuri is a service that completes the transfer in as little as 10 seconds, 24 hours a day, 365 days a year, when you request a transfer from the member page of your smartphone or computer. There is no transfer fee, so you can feel free to use it.
To use Shunfuri, you must first open a financial institution account that supports 24-hour transfers. Shun-free supports a minimum desired amount of 1,000 yen, so it is possible to borrow small amounts of 10,000 yen or less. However, be aware of the hours when ATMs are not available.
Click here for Promise's official websiteFeatures of SMBC Mobit
What is the biggest feature of SMBC Mobit?
It is a big feature that all applications can be completed online. There is no need for confirmation over the phone or procedures at the store, so you can borrow without being known by others.
(Quote: SMBC Mobit official website)In 2021, SMBC Mobit won the highest "three-star" rating for the second consecutive year in the HDI rating benchmark "correspondence record / quality rating".
We are the only company in the industry to receive this award for the second consecutive year, demonstrating the high level of telephone support.
The features of SMBC Mobit are as follows.
SMBC Mobit's official website is hereThe reviews of SMBC Mobit are mainly as follows.
You can see that there are many users who feel that there is no need to contact the workplace by phone if the website is complete, and that privacy considerations are beneficial. In addition, many people appreciate the speed of the review process.
Mobit is linked to the T point service, and you can earn 1 point for every 200 yen you pay for interest. In addition, from Mobit's member-only service "My mobi", 1 point can be used for repayment as 10,000 yen. If you want to issue a card, you can use it as soon as you arrive if you choose a T card function. However, please note that in the case of web completion, it is necessary to follow the following two procedures.
Points can be accumulated at affiliated stores nationwide and online shopping, and there are many ways to use them other than applying them to repayments. It can be said that it is a function that has no loss.
![[Promise SMBC Mobit] Two companies](https://website-google-hk.oss-cn-hongkong.aliyuncs.com/drawing/article_results_9/2022/3/9/0a707bf3a81dde1412405377d1fdd6ed_2.jpeg "[Promise SMBC Mobit] Comparison and explanation of two card loan services")
Mobit has a multi-functional mobit card "T Card Plus". T Card Plus has the following three functions.
The Mobit Card Loan can be used at ATMs nationwide and cash transfers, just like the conventional Mobit Card. It can also be used as a credit card at domestic and overseas affiliated stores with the MasterCard mark, as well as for Internet shopping.
Click here for SMBC Mobit's official websiteWhat kind of companies are Promise and SMBC Mobit?
I don't know what kind of company it is just by hearing the name, and which one is better?
Actually, both companies are part of the SMBC Group. If you use a Sumitomo Mitsui Banking account, the fee will be cheaper.
Promise and SMBC Mobit are both well-known consumer finance companies.
If you look at each company from the following two perspectives, you can clearly see the difference.
If you know the characteristics of both companies, you won't have to worry about which one to use, so let's check it out below.
Both Promise and SMBC Mobit are companies under the SMBC Group.
SMBC Group belongs to the megabank SMBC Group, so you can borrow with confidence. If you have a Sumitomo Mitsui Banking account, it will be more convenient and advantageous in terms of ATM fees.
In addition to Sumitomo Mitsui ATMs, Promise is convenient in that you can use a single unmanned contract machine.
(Quote: SMBC Mobit official site Promise and SMBC Mobit, please see the table below for an overview of both card loans.| SMBC Mobit | Promise | |
|---|---|---|
| Interest rate | 3.0%~18.0% | 4.5%~17.8% |
| Interest-free period | None | Yes (30 days from first borrowing only) |
| Same day loan< /th> | Possible (depending on the day of the week and time of day) | Possible |
| Screening pass rate | Undisclosed | td>38.4-41.1% |
| Difficult to find out | Complete online, no mailing possible, no phone contact if complete online | Web complete, no mail available |
| Unmanned contract machine | Sumitomo Mitsui Bank terminal | Sumitomo Mitsui Bank terminal, Promise Terminal |
Compare Promise and SMBC Mobit by interest rate
Promise and What is the interest rate of SMBC Mobit?
When comparing the interest rates of the two companies, Promise has the lowest interest rate, and SMBC Mobit has the lowest interest rate.
Which is the better interest rate, Promise or SMBC Mobit? The result of comparing the interest rates of the two is as follows.
Let's take a closer look at the above.
Comparing the highest interest rates, Promise is 17.8% per annum and SMBC Mobit is 18.0% per annum. Therefore, we compared the interest rates when borrowing for one year with Promise and SMBC Mobit.
Promise is interest-free for 30 days when you use it for the first time.
(Quote: SMBC Mobit official websiteThe maximum interest rate difference between the two companies is 0.2%, so the difference is not that big. The longer the loan term, the more the difference in interest rates will affect your finances.
The maximum interest rate for card loans is 20% per year, but the maximum interest rate varies depending on the amount borrowed. The details are as follows.
In addition, the upper limit of interest rates is stipulated in a law called the Interest Rate Restriction Law. Financial institutions that provide card loans must comply with the Interest Rate Restriction Law, so they cannot set interest rates above 20% per annum. The maximum interest rate for late payment charges that occur when card loan repayment is delayed is 20% per annum.
Click here for Promise's official websiteThe lowest interest rate is 4.5% for Promise and 3.0% for SMBC Mobit. At a 1.5% annual spread, Mobit may look like a better deal.
However, in order to borrow at the lowest interest rate, you need to borrow an amount close to your limit.
Regarding the amount borrowed from consumer finance, there is a total amount regulation that "must not exceed 1/3 of annual income".
Since SMBC Mobit's loan limit is 8 million yen, it is difficult to borrow that amount unless you have an annual income of at least 24 million yen.
SMBC Mobit's official website is herePromise offers a 30-day interest-free service
Is it true that Promise offers an interest-free service?
In fact, Promise has an "interest-free service" that SMBC Mobit does not have!
The big difference between Promise and SMBC Mobit is the presence or absence of "interest-free service". With Promise, you can use it with 0 yen interest for 30 days from the day after the first borrowing. * This service is ideal for those who have a plan to repay in advance or who need money urgently.
However, it is only the first time, and after 30 days, interest will accrue from the first day. Be careful not to forget to return it, and make effective use of the interest-free service.
* You need to register your e-mail address and register to use the web statement. Click here for Promise's official websiteWhich one is easier to get a same-day loan?
Which one would you recommend for a same day loan?
Promise is a good choice for instant loans. Same day loans are possible for both, but Promise is easier to receive because there are more unmanned contract machines.
Same day loan is a service that bank card loans cannot provide. Which is easier to get a same-day loan, Promise or SMBC Mobit? I will explain from the following points of view.
There are differences between Promise and Mobit, so read below to get a firm grasp.
When you suddenly need money, both Promise and SMBC Mobit can provide same-day loans. Promise, which develops “Shun Furi (transfer cashing)”, emphasizes the ease of use by emphasizing the following three points.
Same-day loans are also possible with SMBC Mobit, but please note that it may be the next day depending on weekends and business days.
However, the examination time is one of the fastest in the industry, and if you match the day of the week, you will be able to get a quick loan.
What about the number of "unmanned contract machines" that can be used for consumer finance without meeting anyone?
With Promise and SMBC Mobit, Promise wins.
In the case of Promise, 1,400 automatic contract machines and Sumitomo Mitsui Banking loan contract machines are in operation throughout Japan.
On the other hand, SMBC Mobit is 400 units of Sumitomo Mitsui Bank loan contract machine.
In that respect, Promise is more advantageous because it is easier to find an unmanned contract machine in your neighborhood.
However, SMBC Mobit can be completed on the web, so there is almost no need to use an unmanned contract machine.
Click here for Promise's official websiteWhich one is easier to pass the examination?
Which one is easier to pass the examination?
The ease of passing the examination will be the same for both. Both companies are said to be less difficult to screen than bank card loans.
Promise or SMBC Mobit, which is easier to pass the screening?
Card loans are reassuring when you need money suddenly, but if you don't pass the screening, you won't have any money.
I would like to introduce the following three points about the ease of passing the examination.
The review standards for consumer finance are set lower than bank card loans. Promise and SMBC Mobit are no exception, and are less difficult to screen than bank card loans.
Instead of making it easier to pass the examination, consumer finance sets interest rates high as a countermeasure against bad debt risk.
According to the monthly data of "SMBC Consumer Finance" in 2021, about 40% of people have passed the examination at Promise. SMBC Mobit screening pass rate is not disclosed.
Since the time required for the examination is short, I am wondering what the contract with the guarantee company is like. Promise and SMBC Mobit do not have a guarantee company.
Instead, the group's "SMBC Consumer Finance Guarantee Division" is responsible for the function equivalent to a guarantee company.
Since we have a guarantee business department in the same line, we are able to provide same-day loans completely online.
Click here for Promise's official websiteWhich one has the least monthly repayment burden?
Which one can be used at a lower cost?
If you want to reduce the burden of repayment and use it, we recommend choosing Promise. Promise can be set with a minimum repayment amount of 2,000 yen.
There are two differences between Promise and SMBC Mobit monthly repayments.
Let's take a closer look at the above items.
In the case of Promise, you can set the minimum repayment amount from 2000 yen, so you can lighten your monthly burden. The scheduled repayment amount is the amount to be paid on the date specified in the contract, and it varies according to the balance of use.
For SMBC Mobit, if the loan amount is 100,000 yen or less, the monthly repayment amount is 4,000 yen.
For both Promise and SMBC Mobit, the repayment amount is determined by the balance after borrowing.
Click here for Promise's official websiteWhich one is the least burdensome and can be repaid, Promise or SMBC Mobit? Please take a look at the table that summarizes the repayment amount for each loan balance.
(Quote: SMBC Mobit official websiteWhich one is harder for people to find out?
Which one can you borrow without others finding out?
It is SMBC Mobit that you can borrow without your friends and family knowing. There is no mailing, it is completed on the web and there is no phone confirmation, so you will be able to use it without anyone knowing.
With the effect of TV commercials, card loans are becoming more recognized.
However, when it comes to borrowing, there are probably many people who don't want their surroundings to find out as much as possible. We will consider which is harder to find out, Promise or SMBC Mobit, from the following two points.
Both are privacy-conscious, so I'll explain more below.
Both Promise and SMBC Mobit can be "completed on the web", so no mail will be sent, and the risk of being found out can be greatly reduced.
Web completion is an application method in which everything from application to borrowing and repayment is completed online.
Because you can borrow without a card, there is no risk of losing your card.
It's a good web completion, but if you fail to pay, a reminder will be sent. Depending on the situation, you may receive a reminder call at work or at home, so please be careful not to be late.
SMBC Mobit's web completion is highly secure because there is no confirmation by phone.
Even on the official website, it is clearly stated that "We will not call you to confirm your place of employment." However, it is necessary to meet certain conditions such as having a certain bank account to use it.
Unlike SMBC Mobit, in the case of Promise, even if you apply online, your enrollment at your employer will be confirmed by telephone.
However, we won't reveal the name of the promise, so you don't have to worry about it being revealed.
If you have any concerns, please consult with Promise Call at the Promise Call Center.
Normal dial: 0120-24-0365 Women-only dial: 0120-86-2634If you tell them that you are worried about your enrollment confirmation or that you cannot answer the phone due to your workplace, the operator will respond.
However, it would be better if there was no phone contact. It can be said that SMBC Mobit is suitable for people who do not want to be found out.
SMBC Mobit's official website is hereTypes of people who are suitable for Promise
What kind of person is Promise suitable for?
Promise is suitable for beginners and women.
The types of people who are suitable for Promise are:
Promise has launched a “shun-furi” service that allows you to make transfers 24 hours a day, 365 days a year at more than 200 financial institutions. The easy-to-use environment is outstanding even in the consumer finance industry.
Click here for Promise's official websiteFor those who can repay in a short period of time, the "30 days zero interest" service, where the interest for 30 days is 0 yen for the first time, is also a nice place.
In addition, housewives and part-timers will find it easier to use ladies cashing.
Click here for Promise's ladies cashingTypes of people who are suitable for SMBC Mobit
Who is SMBC Mobit suitable for?
SMBC Mobit is suitable for people who do not want to find out that they are using a card loan.
The types of people who are suitable for SMBC Mobit are as follows.
SMBC Mobit does not contact the workplace by phone if it is web-based. In addition, T points will be returned according to the interest on the repayment amount. Multifunctional credit cards can also be used, making it a worthwhile service. The results of the examination are available within 30 minutes, so it is suitable for those who are in a hurry.
Click here for SMBC Mobit's official websiteDon't apply for both
You shouldn't apply for both Promise and SMBC Mobit because you need urgent funds. If you apply for more than one card loan at the same time, the chances of getting through neither of them will increase.
Lending companies such as card loans must examine the repayment ability of the applicant according to the "Money Lending Business Law". Having multiple card loan applications in a short period of time will be seen as a “money problem” and will be a negative factor in the review.
Click here for SMBC Mobit official websiteIf you are black on either Promise or SMBC Mobit, it is safer to avoid applying for the other.
First of all, there are two types of black as follows.
- In-house blackout: Being blacklisted due to delinquency at the company that actually borrowed
- Credit information agency blackout: Transfer information such as delinquency is recorded in the credit information agency , be black certified. Even if you become in-house black, you don't know in other consumer finance.
However, both Promise and SMBC Mobit are operated by SMBC Consumer Finance.
For the above reasons, if you are black certified with one company, you should avoid applying to the other company as well. If it is not recorded in the credit information agency, you may be able to pass the examination by applying to another affiliate such as Aiful or Acom.
Frequently Asked Questions
Here, we introduce and answer frequently asked questions about card loans.
All of the above are important things to know, so if you are considering using a card loan, please refer to them.
Summary
We have introduced Promise and SMBC Mobit, which are well-known among consumer finance. Promise is full of easy-to-use services such as "Shun-free" and "30 days no interest". SMBC Mobit is attractive for privacy and operational considerations, such as "no phone calls if you complete the web" and "linkage with T points".
Both companies belong to the SMBC Group and you can borrow with peace of mind. If you use it wisely and systematically, you will be less worried about money and feel more secure in your life. Take a look at the benefits of each and choose the one that's right for you.
Especially with SMBC Mobit, you will be able to borrow money without being found out by people around you because it is completed online and there is no telephone contact and the screening process is speedy.
Related articles ・7 points to overcome the pinch of "I don't have money"・ [Promise SMBC Mobit] Compare and commentary on card loan services of the two companies What are the benefits of using Promise? Thorough explanation of its features from word of mouth and reputation/a>・How to get a small loan? Commentary on recommended apps and services How to borrow money with consumer finance? Recommended services and features explained
![10th generation Core i5 equipped 9.5h drive mobile notebook is on sale at 50,000 yen level [Cool by Evo Book]](https://website-google-hk.oss-cn-hongkong.aliyuncs.com/drawing/article_results_9/2022/3/9/4a18d0792cae58836b71b9f591325261_0.jpeg "10th generation Core i5 equipped 9.5h drive mobile notebook is on sale at 50,000 yen level [Cool by Evo Book]")
![[Amazon time sale in progress! ] 64GB microSD card of 1,266 yen and wireless earphone with noise canceling function of 52% off, etc.](https://website-google-hk.oss-cn-hongkong.aliyuncs.com/drawing/article_results_9/2022/3/9/c88341f90bab7fe3ce1dc78d8bd6b02d_0.jpeg "[Amazon time sale in progress! ] 64GB microSD card of 1,266 yen and wireless earphone with noise canceling function of 52% off, etc.")
