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[Recommended apps too! ] 9 ways to get a small loan | Wealth Bridge
"It's before payday and it's hard to live without money"
"Sudden expenses such as ceremonial occasions overlap, and tens of thousands of yen are short"
Aren't you worried about this?
When you want to get a small loan immediately, we recommend using consumer finance.
In this article, we will thoroughly explain the benefits of using consumer finance and 8 recommended consumer finance.
We will also introduce how to use cash advances and public systems, and how to get money using flea market sites and pawn shops.
By the end of the day, you'll also find out how to get a small loan that's right for you.
Among the introductions, the following three are especially recommended for consumer finance.
- Promise｜Interest-free for 30 days from the next day after borrowing
- Lake ALSA｜Interest-free services to choose from
- SMBC Mobit｜No phone calls if completed online
Contents
- How to borrow money easily with a smartphone app
- 9 ways to get a small loan right now< /li>
- Why is there an examination even for small loans?
- What are the benefits of taking small loans in consumer finance?
- What are the disadvantages of receiving a small loan in consumer finance?
- Reasons why consumer finance is recommended for small loans
- 8 recommended consumer loans for small loans
- Bank card loans online Banks recommend small loans
- You can also use credit card cash advances
- Use the public loan system
- If you are worried about financing, use your smartphone Earn money
- Easy shopping with postpaid services
- Last way to get a small amount of money
- Frequently asked questions
- Summary
How to borrow money easily with a smartphone app
I need money immediately
"I want to borrow money without being caught by others"
For those who say, we recommend borrowing money with a smartphone app provided by consumer finance.
There are many services that complete everything from application to repayment with a smartphone app, so there is an advantage that you can easily borrow money without going to a store or receiving mail.
Also, with the exception of some services, you can borrow cash from convenience store ATMs using the app, so it is recommended for people who need cash immediately.
- Download the app
- Use the app to complete application procedures such as sending required documents.
- Examination
- Receive money from a convenience store ATM or bank transfer.
9 Ways to Get a Small Loan Now
What if I need a small amount of money right now?
If you need a small amount of money temporarily, we recommend using "consumer finance".
When you want to get a small loan, there are 9 methods below that you can use immediately.
Which method is right for you will depend on your individual situation.
When you need money urgently, it is especially recommended to use consumer finance.
I'll explain why in more detail below.
Reasons for screening even small loans
Even if it is a small amount, screening is necessary when receiving a loan. Here are three reasons why even small loans are screened.
- Stipulated in the Money Lending Business Act
- Because it is necessary to carefully judge the repayment capacity
- To check whether it violates the total volume regulation < /li>
Detailed explanation below.
According to the "Money Lending Business Law", it is obligatory to conduct a screening even if the amount is small when making a loan. The Money Lending Business Act is a law that stipulates money lenders such as consumer finance and borrowing from money lenders. In recent years, it has become a serious social problem that the number of people with debts that cannot be repaid has increased.
To solve this, the existing law was revised in 2006, and the current standards were created. The revised Money Lending Business Act has the following three points.
The first is to prevent over-borrowing and over-lending by restricting the total amount. If the loan balance exceeds 1/3 of your annual income, you will not be able to take out new loans. For example, if your annual income is 3 million yen and you already have a loan of 1 million yen or more, you cannot take out a new loan. In addition, when borrowing, "documents proving annual income" may be required.
The second is to lower the maximum interest rate. The legal maximum interest rate has been reduced from 29.2% to 15.0% to 20.0% depending on the amount borrowed. The third is to tighten regulations on moneylenders. It has become mandatory to appoint a nationally qualified person (money lending operations supervisor) to provide advice and guidance for compliance with laws and regulations.
Screening is necessary to carefully judge repayment ability. Repayment ability is comprehensively judged based on annual income, occupation, past financial history, etc. The following five points are the general examination items to judge the repayment ability.
- Place of employment: The larger the scale of the business, the more advantageous the screening
- Employment form: Basically, full-time employees receive higher evaluations in loan screening
- Length of service : Basically, the longer the year, the better the evaluation will be.
- Annual income: The higher the income, the higher the evaluation in the examination and the more borrowable amount
- Credit information : Inquire past credit card and loan usage histories to see if there are any credit problems. increase. Therefore, company employees, especially those who have been working for a long time, will be treated more favorably than freelancers.
The total amount regulation is a regulation that limits the total borrowing amount to one-third of the annual income. The total amount regulation is stipulated in the money lending business law, and violating it is illegal.
If the loan balance from the moneylender exceeds 1/3 of your annual income, you cannot take out a new loan. The total amount regulation is applied when an individual borrows from a moneylender. Borrowings from banks and borrowings in the name of a corporation are not eligible. In addition, the total amount regulation does not apply to loans with low interest rates and long repayment periods, such as housing loans.
As a general rule, "documents proving annual income" are required when borrowing. Documents that can be used to prove annual income are withholding slips and pay slips. Please note that if you do not submit the documents, you may not be able to borrow money.
What are the benefits of receiving a small loan in consumer finance?
Among the ways in which microfinance can be used immediately, consumer finance is particularly recommended. Here are three benefits of getting a small loan in consumer finance.
- Borrowing in as little as 25 minutes
- Borrowing at convenience store ATMs
- Even part-time workers can apply
I will explain in detail below.
The first advantage is that you can borrow in as little as 25 minutes.
You can apply for AIFUL online 24 hours a day, 365 days a year, and you can get a loan in as little as 25 minutes.
Promise can be applied at any time from the Internet, and the preliminary examination results will be available in as little as 15 seconds (*). If you pass this examination, you can borrow in as little as 30 minutes.
*After confirming the results of the preliminary screening, the main screening is required. *The maximum loan amount at the time of new contract is 500,000 yen.Lake ALSA allows you to choose either an interest-free period of 60 days for the first application (web application only) or 180 days up to 50,000 yen. Financing is possible in as little as 60 minutes online! (*) It is also an advantage that you can transfer money from your smartphone even if you do not have a card.
*If the contract procedure is completed (including examination and confirmation of required documents) by 21:00 (18:00 on Sundays), the transfer can be made on the same day. Some financial institutions and maintenance hours are excluded.The second advantage is that you can borrow money at convenience store ATMs. There are several types of convenience store ATMs, but Seven Bank is recommended for small loans. "Smartphone ATMs" that can be used at Seven Bank ATMs are a convenient borrowing method that allows you to withdraw money simply by operating a smartphone app. In addition to 7-Eleven, there are convenience store ATMs affiliated with consumer finance, but none of them have an app that allows borrowing. Please see the table below for the results of a survey of the cash advance functions of convenience store ATMs.
Bank name Smartphone app compatible cashing Cardless compatible cashing Seven Bank ◯ ◯ Lawson Bank × × E-net × × For consumer finance, even part-time workers may be able to apply. Borrowing conditions are as follows.
- Having a stable income
- Age between 20 and 69
In the examination of consumer finance, It is important that you have an income. Even part-time workers will be able to borrow money if it is judged that they have the ability to repay.
What are the disadvantages of receiving a small loan in consumer finance?
I explained the merits of receiving a small loan in consumer finance, but there are also demerits. Borrowing and repayment records for consumer finance are registered in the credit information. Credit information is a record of financial transactions carried out based on personal credit, such as card loans and credit cards. Specifically, the following information is registered as credit information.
Consumer finance refers to credit information to determine a customer's creditworthiness. If your credit report is damaged due to delinquency in payments, "change information" will be recorded and it will be difficult to pass the loan screening. Also, if you already have a large loan amount in consumer finance, be careful as it may affect other loan screenings.
- Housewives and unemployed people cannot borrow
Reasons why consumer finance is recommended for small loans
Why small loans Is consumer finance recommended when receiving?
We recommend that you can borrow from anywhere such as smartphones and convenience stores for consumer finance, and that you can borrow without interest for the first use.
There are four reasons why we recommend consumer finance.
I'll explain each reason in detail below.
One of the benefits of major consumer finance such as Aiful and Promise is that you can get loans in units of 1,000 yen at convenience stores.
In particular, if you are a major consumer finance company, you can easily get a loan even when you are out because they are affiliated with a famous convenience store.
For example, the following ATMs are available in Aiful.
However, a fee may be charged for loans in units of 1,000 yen at convenience stores.
In the case of Promise, you can borrow from Promise ATMs and Sumitomo Mitsui Banking ATMs for free, but convenience store ATMs and AEON Bank ATMs charge a fee of 110 yen.
(Quote: Promise official website Sumitomo Mitsui Banking Corporation official website)
Click here to apply for Promise Many places have an interest-free period for those who do.ATM borrowing fee repayment fee ・Promise ATM・Sumitomo Mitsui Bank ATM Free Free Convenience store ATM >¥110 ¥110 If you expect to be able to repay in a short period of time, you should choose consumer finance with an interest-free period.
Interest is an inseparable issue when borrowing money.
When borrowing a small amount and repaying it quickly, it is better to use consumer finance with an interest-free period.
The following three companies are particularly recommended among consumer finance with an interest-free period.
Consumer Finance No Interest Period Features 60 days *Note Interest-free period is 180 days for loans of 50,000 yen or less *Note < td>30 days *First time use only Students and part-time workers are also eligible for loans 30 days *First time use Interest is calculated on a daily basis, so if you can repay early, you can save interest. Lake ALSA is 60% for the first borrowing. It is a consumer loan with a 1-day interest-free period.
If you borrow a small amount up to 50,000 yen, the interest-free period will be extended to 180 days, so it is suitable for those who want to borrow a small amount.
Lake ALSA ≪Common notes for 60 days and 180 days≫ *No interest from the day after the initial contract for the first time *Normal interest rate applies after the interest-free period. *30 days no interest, 60 days no interest, and 180 days no interest cannot be combined. * If the contract amount exceeds 2 million, only 30 days interest free. ≪Loan conditions≫ Loan limit ¥10,000 to ¥5,000,000 Loan interest rate 4.5% to 18.0% Eligibility Persons aged between 20 and 70 who live in Japan and who have their own email address ,Permanent residents of Japan Late payment fee (annual rate) 20.0% (If Shinsei Bank Financial requires it depending on the contract amount) No collateral or guarantor required * Trade name: Shinsei Financial Co., Ltd. * Money lending business registration number: Kanto Finance Bureau Director (10) No. 01024 Japan Money Lending Association Member No. 000003 Click here to apply for Lake ALSAPromise is a consumer finance service that allows you to make your first loan free of interest for 30 days by using your web statement and registering your email address.
Loans are widely available, and even students and part-time workers can apply for loans.
Click here to apply for PromiseAcom is a consumer loan where the interest rate is 0 yen for 30 days when borrowing for the first time.
Interest after 30 days is calculated on a daily basis, so if you pay it off immediately, you can save money.
Click here to apply for AcomEnrollment confirmation is a procedure to check the repayment ability of the person by confirming that he/she is enrolled at the place of employment as declared, even for small loans.
In principle, there is no consumer finance without complete enrollment confirmation.
However, there are consumer finance companies that can confirm enrollment by document instead of by phone. There are two companies that can confirm your enrollment by document.
SMBC Mobit is a consumer loan that makes it difficult for your company or family to find out that you have borrowed money because it is completely web-based and you will not be contacted by phone and mail will not be delivered to your home.
If you are worried about the screening, you can take a simple screening in about 10 seconds, so you can prevent the loss of credibility due to the screening failure.
Click here to apply for SMBC MobitAiful is a consumer finance company that confirms your enrollment by submitting documents, so it is difficult to find out that you have borrowed money from a company.
Since mail does not arrive at home, enrollment confirmation means that you can borrow money from consumer finance without telling your family.
Click here to apply for AifulPromise basically confirms by phone, but if you are worried about confirming enrollment over the phone, please consult with "Promise Call" and ask for a specific time to call.
Students, housewives, and other part-time workers can also borrow, and the screening will be completed in as little as 30 minutes.
Click here to apply for PromiseOne of the features of consumer finance is the speed with which it can be financed.
Some offer same-day loans, some of which can be funded in as little as 30 minutes.
The table below summarizes the time from screening to financing for four major consumer finance companies.
Consumer finance Screening time (minimum) Loan speed (minimum) Receiving hours 30 minutes Same day 9:00〜20:30 15 seconds You can even get a loan in as little as 60 minutes on the web! (*) *Payment can be made on the same day if the contract procedure (including examination and confirmation of required documents) is completed by 21:00 (18:00 on Sundays). Some financial institutions and maintenance hours are excluded. Weekdays and Saturdays: Until 21:00 Sundays: Until 18:00 30 minutes Same day Transfer: Until 14:50 on weekdays ATM: Until 21:00 Minimum 25 minutes for online application At least 25 minutes for web application 9:00~20:00 Although there are slight differences between companies It seems that the speed to financing is emphasized.
It can be said that convenience is enhanced by responding to same-day loans that cannot be done with bank card loans.
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By the way, the above four companies support cardless contracts, so if you complete the contract on the web from your smartphone, you can get your money immediately.
8 recommended consumer loans for small loans
Where should I borrow money with consumer loans?
We recommend Promise, which completes everything from application to repayment online. It is also a feature that there is a borrowing service exclusively for women. In addition to the above, we will introduce consumer finance recommended for small loans along with their characteristics.
From here, we will introduce 8 recommended consumer finance companies.
Please refer to the list below for the recommended points of each company introduced.
*This service may not be available depending on the financial institution and application time.Consumer Finance Recommended Points App Availability App Loan Availability Interest-free period starts the day after the borrowing date ◯ ◯ Even if you are new If you apply from the app, you can borrow in as little as 30 minutes.・In principle, you can borrow 24 hours a day, on Saturdays, Sundays, and at night.・You can transfer money to a designated account in as little as 10 seconds (transfer cashing).・You can borrow and repay at a Seven Bank ATM or Lawson Bank ATM. You can choose the interest-free period according to the amount you borrow ◯ ◯・21:00 (Sundays If the contract procedure is completed by 18:00), it is possible to borrow on the same day (including examination and confirmation of necessary documents)・Borrowing at Seven Bank ATM is possible Borrowing by "transaction" has been suspended (as of January 6, 2022) Call for "Web complete" application ◯ ◯・In principle, transactions are possible 24 hours a day・Borrowing and repayment possible at Seven Bank ATMs Borrowings can be charged directly to au PAY ◯ ◯・In principle, borrowing is possible 24 hours a day, 365 days a year ・Seven Bank ATM The upper limit interest rate is set as low as 9.5% for the first time ◯ ◯・In principle, borrowing is possible 24 hours a day, 365 days a year.・Borrowing and repayment possible at Seven Bank ATM and Lawson Bank ATM By loan transfer If available, can be borrowed 24 hours * ◯ ◯・Transfer within 24 hours in as little as 1 minute・Borrow and repay at Seven Bank AI scores determine interest rates and limits ◯ ◯・Minimum 30 minute loan・Until 22:55 on weekdays Borrowing is possible ・Borrowing by wire transfer is possible until 21:40 on Saturdays and 16:40 on Sundays Merpay Smart Money The interest rate depends on the usage history of Mercari. Fluctuates ◯ ◯ ・Borrowing and repayment possible ・Loans reflected in Merpay balance ・Smartphone ATM transactions are not supported The details of each company's services are described below.
(Quote: Promise official site)Interest rate 4.5% to 17.8% Available amount< /th> 10,000 to 5 million yen Screening time (minimum) 30 minutes To loan (minimum) 30 minutes Repayment amount From 1,000 yen Promise also has a women-only dial so that women can use it with peace of mind.
From application to repayment, all transactions can be completed online.
If you apply online and complete your identity verification with a financial institution account or app, there will be no mailing, so it will be difficult for people around you to find out about your use.
The appeal of Promise's app loan is that it supports transactions at Lawson Bank in addition to Seven Bank.
There are many apps that can use Seven Bank, but app loans that can use both Seven Bank and Lawson Bank are valuable.
Furthermore, the point is that the start of the count of the interest-free period is more advantageous than other companies.
With Promise, counting starts from the day after the first withdrawal date, so even those who do not borrow for a while from the contract can use the full interest-free period.
This card loan is recommended for those who want to borrow a small amount for a short period of time.
The App Loan is a Promise service that allows you to complete everything from application to borrowing on your smartphone.
If you download a free dedicated app to your smartphone and sign up for "Web Complete", you can borrow money at the "smartphone ATM" of Seven Bank ATM or Lawson Bank ATM.
You can borrow money easily and conveniently at any time without any mailing to your home.
Click here to apply for Promise (quote: Promise official website) th>Available amount10,000 - 5 million yen Screening time (minimum) 15 seconds Up to financing (shortest) Lending is possible in as little as 60 minutes on the web! *If the contract procedure is completed (including examination and confirmation of required documents) by 21:00 (18:00 on Sundays), the transfer can be made on the same day. Some financial institutions and maintenance hours are excluded. Repayment amount From 4,000 yen Generally at 8:10 If you apply from the web between 21:50 and you can do a simple examination in as little as 15 seconds on the application page.
However, please be aware that there may be some exceptions, such as during the year-end and New Year holidays and after 19:00 on the third Sunday of every month.
You can also get a loan in as little as 60 minutes on the web! So, if you want to get money quickly, Lake ALSA's card loan is recommended.
*If the contract procedure is completed (including examination and confirmation of required documents) by 21:00 (18:00 on Sundays), the transfer can be made on the same day. Some financial institutions and maintenance hours are excluded.If you are using Lake ALSA for the first time, you can choose "0 yen interest for 60 days" or "0 yen interest for 180 days up to 50,000 yen out of the borrowed amount" according to your own debit method.
For example, if the usage amount is 50,000 yen, 180 days is advantageous, and if the usage amount is 100,000 yen, 60 days is advantageous if the number of repayments is up to 3 times. The official website also offers a "Which is the best? Simulation", so you should try calculating it first.
<> *No interest from the day after the first contract for the first time. *Normal interest rate applies after the interest-free period has passed. *30 days no interest, 60 days no interest, and 180 days no interest cannot be combined. * If the contract amount exceeds 2 million, only 30 days interest free. <<60 days no interest>> *For those who apply online and have a contract amount of 1 to 2 million yen. *Those who applied other than online cannot choose interest free for 60 days. ≪180 days interest-free note≫ * Contract amount from 10,000 yen to 2 million yen Lake ALSA's smartphone app "e-Alsa" allows you to apply for a new loan in as little as 15 seconds. Also, if you use Seven Bank's "smartphone ATM transaction", you can borrow money without a card from the app. *Lake ALSA has stopped using the Seven Bank ATM "Smartphone ATM transaction" from December 23, 2020 (Wednesday) (as of January 6, 2022) Login with biometric authentication You can use it without the hassle of entering your ID and password.
Click here to apply for Lake ALSA (Quote: SMBC Mobit official site)Interest rates 3.0% to 18.0% Available amount 10,000 - 8,000,000 yen Appraisal time (minimum) 30 minutes Up to loan (shortest) Same day Repayment amount 4,000 yen From In order to omit confirmation of enrollment by phone, you must have a designated bank account and present your social insurance card or union insurance card. must be submitted.
Recommended for those who do not want others to know that they are using a loan.
1 T point will be given for every 200 yen interest portion of the repayment amount.
T points can also be used for repayment. People who usually use the T point card will be able to use it at a great price.
SMBC Mobit's official smartphone app has various functions such as bank transfer cashing, smartphone ATM transactions, Internet repayment, and application for an increase.
In particular, cardless smartphone ATM transactions are convenient.
If you have a Seven Bank ATM, you can borrow and repay, so you can use it anywhere.
It is also an advantage that you can submit your identity verification documents with the app.
It is recommended for those who want to finish the contract as soon as possible because the procedure can be done more speedily than submitting at the loan contract machine.
With the SMBC Mobit smartphone app, you can borrow and repay money at Seven Bank ATMs and Lawson Bank ATMs nationwide without a card.
You can also use the member-only service "My mobi" from the smartphone app, and you can apply for an increase screening, register the payment date, and register for the T point service.
Click here to apply for SMBC Mobit (Quote: au PAY Smart Loan Official Site)Interest rates 2.9% to 18.0% Available amount 10,000 - 1,000,000 yen Screening time (minimum) 30 minutes Until loan (shortest) Same day Repayment amount - If you download the dedicated app, you can borrow and repay at any time from a Seven Bank smartphone ATM, making it easy to use.
You can charge the borrowed money directly to your au PAY balance, and you will receive 1 Ponta point for every ¥200 spent.
If you borrow a small amount, you do not need to submit an income certificate.
Using the au PAY Smart Loan smartphone app, you can borrow and repay money without a card at Seven Bank smartphone ATMs nationwide.
You can also charge your au PAY balance from the smartphone app, so it is recommended for those who use au PAY often.
Click here to apply for au PAY Smart Loan (Quote: Aiful official website)Interest rate 3.0% to 18.0% Available amount 10,000 to 8,000,000 yen In addition to regular cash advance loans Two products are available.
In the case of the "First Premium Card Loan", which is intended for first-time users (ages 23 to 59), the maximum interest rate is set at a low 9.5%.
But remember that you can only apply through the web.
In addition, "SuLaLi" for women has a dedicated dial for female operators, so you can use it with confidence.
Borrowing and repayment can be completed on the app, which is very convenient.
With Aiful's smartphone app, you can borrow and repay money at Seven Bank ATMs and Lawson Bank ATMs nationwide without a card.
In addition, if you use the smartphone app, you can check the usage status such as the balance and repayment amount in real time, and you can apply for an increase in the usage limit.
In addition, you can change the smartphone app icon from 4 types, so if you change it to an inconspicuous icon, you can use it without worrying about others.
Click here to apply for Aiful (Quote: Acom official website) >Available amount 10,000 to 8 million yen *When using the cash advance limit Screening time (minimum) >30 minutes To loan (shortest) 60 minutes Repayment amount From 1,000 yen There are four ways to apply for ACOM.
If you want to borrow quickly, apply online or by phone.
After the examination is completed, you can apply for the loan online and select the loan by bank transfer.
The time at which you can check the receipt of money varies depending on the financial institution to which you are transferring money, so if you are in a hurry, we recommend that you contact each financial institution in advance.
Appraisal time is as short as 30 minutes, and financing is possible in as little as 60 minutes.
With Acom's smartphone app, you can borrow and repay money at a Seven Bank ATM cardless.
On the home screen of the app, you can check your usage status at a glance, and you can also carry out procedures such as repayment and increasing the amount from the app.
Also, there is a push notification from the app 3 days before the payment date and on the day. It will also prevent you from accidentally forgetting the payment date.
You can also log in using fingerprint authentication or face authentication, so you don't have to worry about forgetting your password.
*This service may not be available depending on the financial institution and application time. Click here to apply for Acom (quote: J.score official site)Interest rate 0.8% to 15.0% Budget limit 10,000 to 10 million yen Screening time (minimum) Same day Until financing (shortest) Same day Repayment amount From 1,000 yen If you make a new contract using "AI score", you will receive a PayPay bonus worth 1000 yen. (As of October 12, 2021)
It can be used for payment with PayPay and shopping on PayPay official website.
In addition, by linking information with Mizuho Bank, there is also a campaign to reduce the annual interest rate by 1.5%.
In the J.score smartphone app, you can get an AI score by answering over 150 questions in a chat format.
The more information you provide, such as personality, lifestyle, and transaction information from information partners, the more accurate AI analysis will be. Of course, you can decide for yourself what information to provide, so you can rest assured.
However, unlike other consumer finance, it is only for bank transfers, and you cannot borrow at ATMs, so be careful.
Click here to apply for J.score (Quote: Merpay official website)Interest rate 3.0-15.0% Available amount 1,000 to 200,000 yen Review time (minimum) 2 business days Until financing (minimum) 2 business days Repayment amount 1,000 From Yen The biggest feature of Merpay Smart Money is that borrowings are reflected in your Merpay balance.
It is recommended because it can be used for immediate payment and bank transfer without having to take out the loan.
However, the borrowing limit is 200,000 yen and it is not suitable for those who need a large amount of borrowing exceeding 1 million yen.
Merpay Smart Money is a great deal for heavy Mercari users, as you can use your Mercari sales and Mercari Points to pay back.
With Merpay Smart Money, you can use the Mercari app to complete everything from application to financing. Therefore, if you have downloaded the Mercari app, you can save the trouble of downloading an additional app.
In addition, the borrowed money will be added to your Merpay balance, so you can continue shopping on Mercari.
However, unlike other consumer finance, it is only for bank transfers, and you cannot borrow at ATMs, so be careful.
Click here to apply for Merpay Smart MoneyFor bank card loans, online banks are recommended for small loans
Is it possible to get a small loan immediately with a bank card loan?
If you are an internet bank, you can get a small loan immediately. Rakuten Bank has the lowest interest rate in the industry at 1.9%.
In general, borrowing from a bank takes more time than consumer finance, so it is not suitable if you want to receive money immediately.
However, in the case of internet banks, there are many that take a relatively short time to borrow, so you may consider using them.
Here, we will introduce the following two services.
(Quote: Rakuten Bank Official Site Seven Bank Official Site)Net Bank Recommended Points Rakuten Bank Super Loan The lowest interest rate in the industry at 1.9% Seven Bank Loan Service Anytime at 7-Eleven nationwide Borrowable The characteristics of each are introduced below, so please refer to them.
(Quote: Rakuten Bank official website)Interest rate 1.9% to 14.5% Available amount 10,000 to 8 million yen Screening time (minimum) Next day Until financing (shortest) Next day Repayment amount From 20,000 yen Rakuten Bank Super Loans offer preferential screening to Rakuten members.
There are four Rakuten membership ranks: Silver, Gold, Platinum, and Diamond.
The shortest time from screening to financing is the next day, so you can borrow relatively quickly after applying.
Rakuten Bank Super Loan allows you to earn 1,000 yen worth of Rakuten points when you sign up for a card loan, and up to 30,000 yen worth of Rakuten points depending on the amount used.
Click here to apply for a Rakuten Bank card loan (Quote: Seven Bank official website)Interest rate 14.0-15.0% Available amount 10,000 - 1,000,000 yen Screening time (minimum) 2 business days Until loan (minimum) 2 business days Repayment amount < td>From 1 yen *When using direct bankingSeven Bank card loans can be borrowed and repaid in principle 24 hours a day from Seven Bank ATMs nationwide with no fees. It is a caching service that can be used.
Applications can be completed via the app or online.
In principle, Seven Bank Card Loan does not contact your employer during the screening process.
You can use it without waiting for the arrival of the cash card after receiving the examination result by e-mail.
You can borrow in as little as 2 business days, so it is also recommended for those who are in a hurry.
Click here to apply for a Seven Bank card loanYou can also use credit card cash advance
What is credit card cash advance?
This is a service that allows you to withdraw cash with a credit card. However, interest rates are set higher than consumer finance.
There is also a way to get a small loan using your credit card's cash advance limit.
Here, I will introduce the following two credit cards.
(Quote: AC Mastercard official site Epos Card official site)Credit card Recommended points AC Master Card Can be issued on the same day from an automatic contract machine EPOS Card If you apply online, you can go straight to the store You can receive it We will explain each feature in detail below, so please consider it.
(Quote: Acom official site)Interest rate 3.0% to 18.0% *When using cash advance limit Available amount 10,000 to 8 million yen *When using the cash advance limit Screening time (minimum) 30 minutes To use (minimum) 60 minutes Annual fee Free Web application Available AC mastercard is the shortest You can pick it up and start using it in 60 minutes.
It is also a nice point that you can use the credit function of Mastercard with no annual fee.
If you use a credit card, you can receive a cashback equivalent to 0.25% of the amount used.
There is a 0.25% return by cashing with AC Mastercard and paying with the credit card function, which can be used for the next repayment amount.
Click here to apply for an AC Mastercard (Quote: Epos Card official site)Interest rate 18.0% < th>Available amount 1~500,000 yen Appraisal time (minimum) Same day Until use (shortest) On the day Annual fee Free < /tr>Online application Available Epos cards are great for shopping at Marui and Modi A credit card that will
You can buy 10% off during the "7 Days of Marco and Maruo" held 4 times a year.
If you apply online in advance and set the pick-up destination to a Marui store, it can be issued on the same day at the shortest.
If you borrow and repay a small amount with an Epos card, there is no ATM usage fee, so there is no extra cost.
Click here to apply for an EPOS cardLet's use the public loan system
Can individuals use the public loan system?
Yes, you can. Led by the Ministry of Health, Labor and Welfare and the Ministry of Finance, they are lending money at ultra-low interest rates to the unemployed and low-income earners. Applications can be made at City Hall.
For those who are worried about the interest that will be incurred until repayment, or those who did not pass the examination and could not borrow, consider using the public loan system.
If you meet the conditions, you can borrow at a lower interest rate than consumer finance, and some of them are interest-free.
An example of the system and the target people are summarized below.
Public loan system Eligibility Livelihood welfare fund loan system ・Households that find it difficult to borrow necessary funds from other sources・Households with persons who have received disability certificates・Households with elderly people aged 65 or over Job seeker support fund loan system ・Those who have decided to receive vocational training benefits and have received a requirement confirmation letter from Hello Work < th>Motherless Fatherless Widow Welfare Loan ・Spouseless women or men supporting children under the age of 20, widows, etc. Also, there is a system that allows you to receive subsidies from the national and local governments instead of loans.
The conditions are detailed, but if you can use the subsidy system, there is no need to repay.
Check with your local government.
If you're worried about a loan, make money with your smartphone
Is there a way to make money on your own right now without borrowing money?
If you are worried about repayment fees and interest rates and want to avoid financing, one way to earn money is with a smartphone. However, the drawback is that the money cannot be used immediately.
Some people may have anxiety or resistance to receiving a loan.
If you're not in a hurry, there are three ways to make money selling things.
Everything is easy to do with your smartphone.
In the following, each method is explained in detail.
(Quote: Mercari official website)Mercari is one of the most well-known flea market apps.
You can easily earn money by becoming a seller and selling unwanted items at hand.
If you are new to the flea market app and don't know how to do it, don't worry.
Mercari Classrooms are held where you can learn everything from the basics, such as how to register and list products, to tips on how to sell.
Participation fee is free, so please make a reservation in advance and participate.
In addition to being able to transfer the proceeds to your bank account, you can also use it to purchase points that can be used within the service.
Purchased points can also be used for shopping at stores through Merpay.
By actively using Mercari, you can also benefit from using Merpay.
(Quote: CASH official site)CASH is an app that buys and assesses.
Unnecessary items at hand can be assessed remotely, so you can easily use the purchase service while staying at home.
You can purchase all kinds of products, including clothes and bags, as well as cash vouchers and smartphones.
If you take a picture of the item you want to sell with your smartphone, the assessment result will be displayed immediately and you will receive the assessment amount.
For expensive items such as watches and branded items, it is possible to request a professional appraisal by our staff.
The delivery company will come to your home to pick up the items you have decided to buy within two weeks.
Even those who cannot use the flea market app because they are worried about transactions between individuals will be relieved because CASH will communicate with companies.
(Quote: Yahoo! Auctions official site)Yahoo! Auctions is a persistently popular auction site.
Unexpected items can be worth more than you can imagine.
It's hard to predict how much money you'll make at once, but in some cases you can expect a big income.
Easy shopping with deferred payment services
Is there a service I can use when I want something but can't pay right now?
You may also want to consider using a service that allows postpay. There may be an examination, but if the card usage is good, you can use it without worry.
If it is difficult to get money with the methods introduced so far, there is also a method of using a postpaid service.
The following three services are introduced.
Service name Recommended points Can be used anywhere at VISA affiliated stores Easy registration for regular online shopping Easy to pay at a convenience store We will introduce the features of each, so please try them out.
(Quote: Bundle Card Official Site)The bundle card is a prepaid card that can be used at VISA affiliated stores nationwide.
Basically, it is a prepayment method, but you can also pay later by using the "Pochitto charge" function.
You can use it as easily as using a credit card.
If you apply, you can actually issue a card.
If you often use VISA merchants, you can use it for daily payments.
Anyone can use the prepaid function in just one minute from downloading the app.
(Quote: paidy official site)paidy is a service that allows you to postpone the payment for shopping at affiliated shopping sites to the next month.
You can use "3 times deferred payment" for 3 yen on Amazon and 3000 yen or more on other shopping sites.
However, some sites are not available, so be sure to check before shopping.
If you set the payment method to bank transfer or account transfer when paying in 3 installments, the installment fee will be waived.
You can easily register with just your mobile phone number and email address.
(Quote: atone official site)atone is also a service that allows you to carry over payments to the next month.
No credit card registration or prepaid charge is required, and you can use it for shopping immediately after registering as a member.
The basic payment method is a convenience store payment, so you don't have to go to the designated ATM or bank to make a transfer.
The usage amount is immediately reflected on the app, and you can check it at a glance, so it will be easy to manage your money.
Just by verifying your email and SMS, you can easily register in just 1 minute.
Last Way To Get A Little Money
If you can't get a loan or make your own money, is there anything else you can do?
If you can't use all the methods introduced so far, let's raise money with the method introduced from now on.
For those who cannot use the methods introduced so far, consider the following three methods as a last resort.
Let's take a closer look at each one.
You may not have many chances to use it, but in case of emergency, you can borrow money by leaving the item at the pawn shop.
A pawn shop is a service that lends money with goods as collateral, but this is almost the same as the mechanism of consumer finance.
The difference is that while loans from consumer finance always require repayment, in the case of a pawn shop, repayment can be exempted in exchange for collateral.
For those who are uneasy about using it for the first time, it is safe to use a major pawn shop that operates a chain.
If you have family or friends you can rely on, ask them if they can lend you money.
If you have a relationship of trust, you are more likely to be able to borrow a small amount.
However, in order not to lose credibility, be sure to set a deadline for repayment when borrowing.
If you are in trouble with sudden loss of money or want to know how to deal with it immediately, please refer to the following articles.
In life insurance, there is a "contract loan system" that lends part of the surrender value when the policyholder needs funds.
The surrender value is the money that is returned when the life insurance policy is terminated.
However, interest will be charged on the loan, so be sure to check in advance.
Frequently Asked Questions
Here are some frequently asked questions about microfinance.
Summary
If you need a little cash, you have nine ways to get microloans.
The following nine methods are introduced.
When you're not in a hurry, try other ways than borrowing money, such as selling unwanted items on your smartphone.
When you are in a hurry, it is recommended to use consumer finance.
Let's use one of the recommended consumer finance introduced in this article that offers a service that suits you.
Among the above, the following three are particularly recommended for consumer finance.
Because you can receive a loan quickly, please apply from the following.
- Promise｜Interest-free for 30 days from the next day after borrowing
- Lake ALSA｜Interest-free services to choose from
- SMBC Mobit｜You can omit enrollment confirmation by phone
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