5 recommended card loans for students!What about the limit and screening standards?

It costs money to live a student life, so many people are working part -time and paying for various expenses.But if you have a sudden expense, how do you deal with it?If you subscribe to a card loan, it is convenient to prepare money immediately.It is recommended to use a consumer financial card loan in terms of screening and application procedure.Not only the students now, but also parents who say that their children are students should acquire the knowledge of card loans to use card loans with confidence.

What is the way students borrow money?

What is the means for students borrow money?

Borrowing with a card loan will be the main.Broadly speaking, there are three means as follows.・ Bank card loan ・ Consumer finance card loan ・ Student loan

Card loans can be borrowed by students.The characteristics differ depending on the type of loan, so let's look in order.

The following is suitable for the use of a bank card loan.

Banks offer a wide loan for individuals and corporations.There are also loans for each purpose such as car loans and mortgages, but card loans are for individuals, and it is a type of loan that can use the money borrowed freely because the use is determined.Like other loans handled by banks, interest rates are set lower than other financial institutions, and the interest rate varies depending on the limit.

In addition, the upper limit that can be borrowed is large, and it is recommended if you want to borrow a large amount of money.As a familiar financial institution, you can use it with confidence.

On the other hand, the hurdle for screening is not low due to low interest rates.Some banks are not allowed to apply for students.If you have a problem with credit information or if your income is low, you may not be able to pass the examination.It may take a certain amount of time to finish the screening, so it is better to consider financing on the same day.

Credit information is information about credit or loan contracts and applications, and is an individual information that registers objective transactions.Mainly the contents of the contract and the status of payment are recorded.Source: What is CIC credit information?

The following is suitable for using a consumer financial card loan.

It is a financial institution that mainly focuses on small loans for individuals.Previously, it was called "Sarah gold", and there was a problem like gray zone interest rate.However, due to the revision of the Money Lending Business Law and the conversion of a subsidiary by banks, it is now possible to use it with confidence.

"Yami Kin" refers to illegal companies who do not allow them to lend money without permission.

Consumer finance is different from "Yami Kim" because it is a regular financial business operator who is notified to the Finance Bureau.

The interest rate is set slightly higher than when borrowing at a bank, but the maximum usage limit is as large as a bank.Some consumer finance have a period where you can borrow money without interest for a certain period of time during the first use, so it can be said that it is convenient.

In addition, there are many consumer finance that can be applied if there is a stable continuous income such as part -time jobs and part -time jobs as an application condition.Students may be able to sign a contract, and the screening is not so severe.

Many companies are compatible with loans on the same day, and there are some places that can be financed in about an hour if you follow the web or unmanned contract machine.

Maximum interest rate (15-20 %) and Investment Law stipulated in the Interest Restriction Law (29).Refers to interest rates between 2 %).29 because it was not subject to criminal penalties unless it exceeded the upper limit rate of the investment law..There were many money lenders who set interest rates close to 2 %.With the revision of the Money Lending Business Law, the maximum interest rate of the investment law has been reduced to 15 to 20 %.

The following is suitable for the use of student loans.

Student loan is a financial institution that mainly lends to students.There are many small and medium -sized money lenders, so you can borrow other than students.It is located mainly in student districts such as universities and vocational schools.

The maximum interest rate is generally lower than consumer finance and higher than bank card loans.The use of the money you borrow is not limited, but if you use it for the purpose of tuition, interest rates may be favored.

Regarding the screening, the hurdles are not high, as it is assumed to be used by students.In addition, there are companies that incorporate a “free repayment method” that repaid only interest and repay the principal after graduation while at school, and there is a mechanism that students can borrow with confidence.

On the other hand, it is often the case that a loan is about 50,000 to 100,000 yen, and it is difficult to borrow a large amount.

Consumer finance card loans are suitable if students borrow money

Consumer finance can be applied for those who are generally "20 years old or older with stable income" such as part -time jobs.The point is that it is easy for those who receive loans for the first time in terms of screening and application procedures.If you use it, a consumer finance card loan is recommended.

This section describes the benefits of borrowing money with a consumer financial card loan.

Generally, consumer finance application conditions are as follows.

When borrowing card loans and other loans at a bank, it is often the case that non -students apply.In consumer finance, students may be able to borrow as long as the application conditions are met.

Consumer finance interest rates are higher than bank loans.This is because the money you lend is not repaid, and the cost of promoting is incorporating the risk of being unable to collect money.If the interest rate is low, it can be estimated that the screening will be stricter because it will be borrowed under favorable conditions.

There are few companies that clearly mention the criteria for screening, but since there are places where the application conditions are "even students can apply", it is expected that banks and consumer finance have different screening criteria.increase.

Consumer finance card loans tend to have more convenient services for users than other financial institutional card loans.It is also characterized by many companies that support applications from smartphones and apps.

Even those who are troubled to go to the window or who are not good at procedures directly, you can complete most procedures, including submission of documents on the web.If you use a service that completes all procedures on the web provided by some consumer finance, you can borrow without anyone knowing because mail is not sent.

Also, if you are in a hurry to lend, you can apply 24 hours a day, 365 days a year if you apply from the web, so you can get a loan on the same day.

With one smartphone, some companies can borrow and repay by cardless, so you can use it casually without any hassle.

When using a bank or a student loan, you may need to go to the window or telephone, which may be known to your family and friends.

In major consumer finance card loans, everything from application to borrowing can be done on the web, and there is no need to worry about someone using the store.Since mail and cards such as cards and cards are not sent, there is less possibility of borrowing.

In addition, even for telephone confirmation of enrollment, which is mainly performed for part -time jobs, provide thorough response to privacy -consideration, such as "call by personal name" and "If you offer in advance, you will adjust the time to call".It has been.In some cases, you can omit identity verification by submitting a separate document, and the risk of applying is known to the minimum.

If you are over 20 years old and have a stable income every month, you may want to use a bank card loan as an option.

Borrowing from banks reduces the burden because the maximum interest rate is lower than the consumer finance and the total repayment amount is reduced.In addition, because the borrowing limit is large, it can be borrowed for the purpose of paying for tuition and study abroad expenses.

However, most cases can not be omitted for enrollment confirmation, so be prepared in advance so that you can respond to part -time jobs.Also, if the income is too low, it is more likely that you will not be able to pass the screening.

Recommended for students!5 consumer financial card loans

There are five recommended consumer finance when students borrow money.Since each company has different loan conditions, characteristics, and services, apply after fully understanding.

* You need to register your e -mail address and use web statements.Quote: AIFUL SMBC Mobit Promise Acom Lake ALSA Official Homepage

* Data is quoted from Aiful HP

Aiful can respond on the same day after applying, and it is possible to lend in a minimum of 25 minutes.If you are in a hurry to make a loan, the point is that you apply for a web and receive a reception completion email, and then contact Aifuru's toll -free dial to give priority to the flexibility.

In principle, it is also characterized by not confirming enrollment by telephone.If you receive a card with an unmanned contract machine at the time of the contract, the mail will not be sent to your home.If you complete the procedure to borrow on the web, you will be able to withdraw from a convenience store ATM with cardless, so you will hardly worry that your family will be known.

* Data is quoted from SMBC Mobit HP

If you apply for "Web completion" to complete the procedure from application to borrowing on the Internet, you can borrow from a convenience store ATM with a cardless cardless mail.There is no confirmation of enrollment by telephone.

Also, if you select a Mobit card with T -card function when contracting on the web, you will earn 1 T point for each of the interest amounts every 200 yen.It is a convenient service because T points can be used for repayment for one point per point.

* Data is quoted from Promise HP

Promise can be applied from the Internet 24 hours a day, 365 days a year, and you can find out the results of the pre -screening in a minimum of 15 seconds.The same -day loan is possible on the same day because the final examination is completed in a minimum of 30 minutes.

In "Shunfuri", it is possible to transfer to about 200 financial institutions nationwide, including Sumitomo Mitsui Banking Corporation and PayPay Bank, including weekends and holidays and nights.It is easy to use because you can transfer money to the specified bank account without a fee.

Also, if you download a dedicated smartphone app and apply by "Applied Lone", all procedures to borrow will be completed in the app.You can borrow in cardless without mail, such as statements or contract documents, so it is safe if your family and acquaintances do not want to know the use of card loans.

* Data is quoted from Acom HP

Acom features a "3 -second diagnosis" that shows whether you can borrow money just by inputting age, annual income, and borrowing other companies.If you apply on the Internet or automatic contract machine (Mujin -kun), you can make a loan in a minimum of 30 minutes, so it will be useful if you want money immediately.

If you borrow for the first time, there is also a “30 -day interest rate 0 yen service” that does not cost 30 days from the day after the contract date, so it is safe if you use it for the first time.

If you do it on the web from application to borrowing, you will not be sent mail because it will be cardless.

* Data is quoted from Lake ALSA HP

If you use it for the first time, there is a major feature that you can choose from the following three types of interest -free periods.

* 1 For the first time, interest is not interest from the day after the first contract.Normally, the interest rate is applied after the interest -free period.Interest for 30 days, 60 days no interest, 180 days -free combined use.If the contract amount is over 2 million, you will only have interest -free for 30 days.You can apply on the web and the contract amount is 1 to 2 million yen.If you apply outside of the web, you cannot choose interest -free for 60 days.

* 2 If it is the first time, interest from the day after the first contract.Normally, the interest rate is applied after the interest -free period.Interest for 30 days, 60 days no interest, 180 days -free combined use.If the contract amount is over 2 million, you will only have interest -free for 30 days.

In particular, if you apply "interest -free for 180 days from the next day of the first contract date to 50,000 yen", the part exceeding 50,000 yen will usually apply to the interest, but if you repay the full amount during the interest -free period, 5.There is an advantage that interest is not applied to borrowing up to 10,000 yen.If you have something you want to buy before you get a part -time job, borrow only 50,000 yen and return it immediately, so it is convenient because it does not cost any interest.

The web can be loaned in a minimum of 60 minutes, and transfer in the shortest day is possible.From application to borrowing, you can complete the application on the web.

Precautions when students use a card loan

What are the points to note when a student borrows money with a card loan?

If the repayment is delayed, or if the payment cannot be caught up, it will be recorded in the credit information.If a negative information is recorded in the credit information, it may have a negative effect on borrowing money or job hunting in the future.Also, make sure to check the size and safety of the borrowing company before applying.

Card loans have the advantage that students can easily borrow money, but incorrect usage may affect their future life.Use it after fully understanding the risks and precautions of borrowing.

If repayment or delinquency is delayed, the credit information will be damaged, and there will be disadvantages such as unable to make a new credit card or no new borrowing.Credit information remains for about 5 years, so once it is damaged, it takes time to regain your credit.As a member of society, it will be quite inconvenient because there are more opportunities to use credit cards.

In the unlikely event that payment is difficult, it is important to contact a company that borrows a card loan in advance.

For credit information, only financial institutions registered in the credit bureau can be requested to be disclosed.It is an important personal information, and the recorded records remain, so you will not be able to see your personal information unnecessarily.

In addition, since the use of credit information by the loaner is prohibited from the purpose of non -purpose, if it violates it, it is a criminal punishment target, so even if the employment is a financial institution, credit information is used other than the purpose of checking whether there is a repayment capacity.Confirmation is prohibited.

However, financial institutions with debt may be inevitable because they may be able to check the borrowing status as their own data.

Make sure to repay, taking into account the possibility of affecting job hunting.

When applying for a card loan, it is important not to take information such as bulletin boards and SNS on the Internet.The reputation, such as low interest rates, easy, and expensive borrowing, is likely to be different from facts, and malicious vendors may be writing to increase customers.

Before using it, there is no problem to refer to the reputation to some extent, but check the reliable site, such as the official website, for actual borrowing conditions.

Enrollment confirmation is an important process for examining your payment ability, whether you are really working at the workplace where the applicant declares.Some companies do not need to confirm their enrollment by telephone due to submission of alternative documents, but in most cases, enrollment is confirmed in some way.

Money lenders are required to investigate repayment capabilities under Article 13 of the Money Lending Business Law.

It is highly likely that a company that claims to be borrowed immediately with "no confirmation of enrollment" or "no screening" is not a regular company.If you have any doubts, make sure that the target vendor is registered in the "Registered Money Lender Information Search Service".

Some small and medium -sized money lenders have their own screening standards.After confirming your annual income and occupations, there are cases where the screening takes some time to conduct a comprehensive examination instead of mechanical judgment.

If you are in a hurry, it is recommended to use a large company.It is unique to major consumer finance, and the shortest same day loan is possible.

Does using a card loan when you were a student affect your mortgage?

Does using a card loan as a student affect future mortgage screening?It is often not affected, but some cases need to be careful.

If you have been repaying on the deadline, you will not be able to affect a new mortgage borrowing.Recorded in credit information is not only disadvantages, but also has a positive effect of repayment.

Also, since the storage period of the information is about 5 years, there are some years after graduating from school, and the record itself is not left a long time ago.It is highly possible.

If only card loan contracts are left and there is no borrowing, it may have some effect.However, you may not have to worry too much because you may be able to get a mortgage loan on the condition of cancellation.

For example, if you are still repaid your money you borrowed during your school days and the borrowing amount is large, you may be deemed to have no repayment capacity and affect the results of the examination.

Also, if there is a delay in repayment or delinquency, you need to be more careful.Information such as delays, delinquency, debt consolidation, etc. will be recorded in credit information for a long time of 5 to 10 years, so it may not be passed through mortgages.

This refers to a procedure for reducing or exempt debt by using the law.There are mainly methods such as voluntary arrangements, personal rehabilitation, and self -bankruptcy.

About the limit that students can borrow with a card loan

How much can students borrow with a card loan?

The limit is about 500,000 yen.Even if you work part -time, if you are not so high in your annual income, it will be difficult to borrow a large amount, as the amount you can borrow for your income is fixed.

If you have a stable income, you can apply for a card loan.However, it is difficult to borrow more than 500,000 yen because the income you get is not high.

Many students will work in restaurants and tutors who have income every month.However, as an employment form, it is a part -time job or temporary employee, and the annual income is generally within the range of dependents or less than 2 million yen.In the card loan screening, the occupation and annual income are checked to confirm whether the ability to pay, so it is often less than 500,000 yen considering the amount that can be paid without difficulty.

In light of the borrowers, borrowing status, borrowing purposes, etc. in light of the appropriate loan conditions, the loan is rental that is not likely to be paid within the repayment period, that is, "lending that exceeds repayment capabilities".Is prohibited.

As one of the criteria to determine whether or not this is a "loan that exceeds repayment capabilities", if the borrowing balance exceeds one -third of the annual income due to a new loan, it will in principle exceeding repayment capabilities.The so -called total amount regulation is prohibited as a thing.

With the enforcement of the revised Money Lending Business Law in 2010, total volume regulations have been applied to consumer finance and other lenders.For example, if your annual income is 1.5 million yen, you cannot borrow more than 500,000 yen.Despite the lack of repayment ability, it is stipulated to avoid multiple debts that borrow from multiple financial institutions.

If a student borrows, it is not an exception, so if the income is only about 20,000 to 30,000 yen a month, the borrowed amount will be about 50,000 to 100,000 yen.

Even if you are a student, you can borrow more than 500,000 yen, with an annual income of 1.5 million yen or more and does not violate the total amount regulation.

However, if you borrow more than 1 million yen in the sum of 500,000 yen or multiple companies, it is essential to submit a document to prove your income.In order to submit the repayment ability for the purpose of confirming the repayment ability, an objectively reliable document is required.

The following are generally used as documents to prove income.

1. 源泉徴収票（直近の期間に係るもの）
2. 支払調書（直近の期間に係るもの）
3. 給与の支払明細書（直近の２か月分以上（地方税額の記載があれば１か月分）のもの）
4. 確定申告書（直近の期間に係るもの）
5. 青色申告決算書（直近の期間に係るもの）
6. 収支内訳書（直近の期間に係るもの）
7. 納税通知書（直近の期間に係るもの）
8. 納税証明書（直近の期間に係るもの）
9. 所得証明書（直近の期間に係るもの）
10. 年金証書
11. 年金通知書（直近の期間に係るもの）

For documents from ④ to ⑨ ⑨ above, if the annual income is calculated using multiple years of business income, the documents for multiple years are required.Source: Japan Money Lending Business Association: Sometimes it is necessary to submit "Documents to prove income"

What is a card loan screening method?

How is the card loan screening performed?

The criteria or method of each company's examination are not disclosed.However, it is generally considered that it will be examined based on the names entered at the time of application, the date of birth, the date of work, and the annual income, and the necessary documents such as identification documents and income certificate documents.In the process of the examination, there is a possibility that a telephone contact to the office, which is called enrollment confirmation, may be entered.

To borrow money with a card loan, you have to pass the screening.If you are not used to submitting the necessary documents and confirming your enrollment, you will have to take a lot of work, so be sure to grasp the flow in advance.The flow of the screening varies slightly depending on the application method.Many financiers who handle card loans have prepared the following three ways.

Unmanned contract machines are installed in manned or unmanned stores.The flow of application is as follows.

1. 申し込み書類に記入またはタッチパネルで必要事項を入力し、送信する
2. 本人確認書類を提出する
3. オペレーターから着信があり審査の説明を受ける
4. 審査・在籍確認の実施
5. カードの発行

Since the unmanned contract machine is a private room, there is no need to worry about the content of the procedure from around.Most of the time you operate the touch panel and proceed with the procedure, it is safe to use for the first time.

The identity verification documents are read using the scanner of the contract machine.If the enrollment confirmation at the office is smoothly completed, the screening will be completed and the card will be issued on the spot.If you apply in advance on the web and then use the contract machine, some companies will proceed with the screening earlier, so use it when you wish to make a loan on the same day.If a card is issued, it is possible to borrow it that day.

It is convenient because you can apply 24 hours a day, 365 days a year if you go through the web.In addition to accessing the official website from a personal computer or smartphone, there are also companies that can apply from a smartphone -only application.The flow of application is as follows.

1. 公式サイトの申し込みボタンから入力フォームに移動し、必要事項を入力
2. 仮審査と本人確認書類の提出
3. 在籍確認をはじめとする本審査実施
4. 契約手続き
5. カード発行

Enter the following personal information in the application form.

The provisional examination will be performed based on the information you have entered, and if there is no problem, you will receive an email or telephone to submit identification documents.The documents are shot with the camera and sent the data.

After confirming your enrollment, we will return the contract application form that reaches your home after the examination is completed.Finally, if you receive a card by mail or an unmanned contract machine, you will be able to borrow.

If you want to go to the store, but you want to proceed with the procedure while checking questions, you can also apply by phone.The application procedure is as follows.

1. 申し込み受付専用のフリーダイヤルに連絡する
2. 必要事項をオペレーターに伝える
3. 本人確認書類を提出する
4. 在籍確認などの審査を実施
5. 契約手続き
6. カード発行

Note that toll -free time has a fixed reception time.In many cases, identity verification documents are submitted by mail or on the web.Cards can be received by mail or contract machine.

What is the student loan screening standard?

Is the student loan screening standard sweet?

Since the student loan screening standards are not disclosed, it is not clearly sweet, but since student loans are for students who are in school, generally compared to bank card loans and consumer finance loans.It is considered that the difficulty of the examination is not high.However, if you do not have regular income or if you do not get the consent of your parents, you will not be able to get a loan.

Student loans, like major consumer finance, are regular money lenders who trade based on the Money Lending Business Law.Since the use of students in advance is expected to be different from other financial institutions, but no one can pass the examination.

The following conditions need to be met.

As a money lender, you cannot easily lend money if you are not likely to repay.You don't mind working part -time, so you need a minimum regular income.The lower the income, the more likely it will be to the screening.

In loans, it is often safe to apply after increasing your income as much as possible, as the resentment of the person's repayment is focused and the financial power of the family is not relevant.

In student loans, it is common for loans to be "college students, junior college students, preparatory school students, and vocational school students with high school graduates or higher."In order to get a loan, you need to prove that you are a student.

In addition to the student ID card, there are cases where commuter passes and student notebooks are also effective, so make sure to check before borrowing.

If a minor performs legal acts such as a contract procedure, the consent of the parent is required.If you do not have consent, be careful as the contract itself may be canceled by the parent's will.There are student loans that make a loan without the consent of the parental authority, but it is not recommended considering the possibility of trouble.

Even if you are a student, if you are unemployed and you do not have income, there are many student loans that are not eligible for applications because there is no repayment.

4 "Student Loan" recommended for students under the age of 20 and have stable income

Consumer finance and banking card loans are often required to apply for "stable income over 20 years old".If you are under the age of 20 and want to borrow money, consider using a student loan.

* Data is quoted from Friend Tada HP

Friend Den is a student loan founded in 1976.We make the same day loan for students over 18 years old.The repayment period can be set to up to 5 years, so it is suitable for long -term borrowing.

In addition, special benefits are provided, such as a campaign where you can get a gift voucher according to the amount of new borrowing, a campaign that will lower interest, and a cashback of the referral fee according to the amount borrowed by friends.

* Data is quoted from the college HP

The college allows you to borrow and repay at any time from the Seven Bank ATM nationwide, using the card issued at the time of contract.

In principle, there is no call to work or home to confirm your identity, so it is a safe point that you can borrow money without knowing your family or acquaintance.

* Data is quoted from the student loan Marui website

Marui, a student loan, is characterized by a campaign to reduce interest rates by introducing friends.Each person introduces one person per year 1.It is 2 % down, and if you introduce 15 people, it will be 0 %, so you can borrow without interest.

In addition, a campaign will be conducted to give up to 5,000 yen a quo card according to the amount borrowed by a friend who received the referral.

Some credit cards can attach a cashing frame.If you add a function later, the screening will be required again, but if you can use it, it is convenient because you can withdraw money from convenience store ATMs and bank ATMs with your credit card.

However, be careful as the interest rate is set higher.It is common to repay it with the use of the credit card.

This is a method that allows you to pay only interest on the fixed repayment date every month and repay the principal freely.

Students who are not working can also borrow using the loan system.

What is the way to borrow money if you are not working as a student?

In addition to borrowing from financial institutions, there are methods such as scholarships and automatic collateral lending.

If you are over 20 years old, you do not have income, so you will not be able to apply for student loans or consumer finance card loans.However, there are still several ways to borrow money, so if you really need money, consider it.

A scholarship is a system provided for those who cannot go to school due to economic difficulties.There are two types: benefit scholarships that do not require repayment and lending scholarships that require repayment.

Lending scholarships include interest -free and interest -free types, but in the case of interest -free, the selection conditions are strict, and they cannot be borrowed unless they meet a certain level of household income and academic results.In addition, it is necessary to attach a joint guarantor to apply.

However, the return period is as long as 20 years, and there is an advantage that you do not need to repay while you are in school.

Automatic security loan is a service that allows you to borrow money from the post office.

In order to secure time deposits, you can borrow even if you are unemployed, and the maximum amount of the loan is 90 % of the deposit amount.However, if you cannot repay it, you need to be careful because the time deposit of the collateral may be reduced or canceled.

Previously, there were "automatic secured by government bonds" and "profitable formation savings collateral lending" in addition to automatic savings secured loans, but new receptions have been closed on March 29, 2019.

A pawn shop is a way to borrow money from the goods you have.The amount that can be borrowed depends on the assessed value of the goods brought in.

If you borrow money, you will leave the goods at the pawn shop, but if you repay the money within a certain period of time, you can regain what you have deposited.If you can't repay, you will lose the goods, but you will not be recorded in credit information.

If you can't use any other method, let's be shameful and talk to your friends, family and relatives.Depending on the reason for borrowing money, you may be able to lend you a good idea.However, make a borrowed letter with repayment, repayment date, and interest so that you do not have trouble later.

Q & A when students use card loans

Here are some common questions when students use card loans.

There is a card loan that students can apply for if they have a stable income

I have explained how students borrow money and points to note.

If you work part -time and have a little income, there are several ways to borrow money, such as bank card loans and student loans.Above all, it is recommended to use a consumer finance card loan.

Consumer finance card loans have less difficulty in screening than other card loans, and depending on the application method, they can omit mail by cardless, and borrow without worrying about family and friends. I can do it.

However, if the repayment is delayed, the credit information will be damaged.Since you may be a member of society, you may be able to affect credit card creation and mortgage contracts, so keep the borrowing amount to be repaid with plenty of time.

Also, if you are not working or if you do not pass, you can use a student loan or a loan system.