How is Aiful's reputation?Introducing good reviews and bad reviews to know before using Aiful

For those who are considering whether to use Aiful, isn't Aiful's good reputation?Therefore, in this article, I will introduce the good reviews and bad reviews of AIFUL users, while thoroughly explaining AIFUL's company profile and products and services.

What are the characteristics of Aiful?

What kind of company is Aiful?

Among the lenders listed on the First Section of the Tokyo Stock Exchange, it is a long history of companies, providing services such as unsecured loans and business loans.

Aiful was founded in 1967 as a private consumer finance industry and was founded in 1978 as Marutaka Co., Ltd. (now Aifuru Co., Ltd.).Currently, he is a major money lender who operates a consumer finance business, a business finance business, and a credit guarantee business, and has registered as a regular loan for the Financial Services Agency.On October 1, 1998, it was listed on the First Section of the Tokyo Stock Exchange.

Aiful who has a long history and experience in the money lending industry.We provide many services that meet the various needs of users in application, borrowing and repayment.

This is a summary of the basic information of Aiful's cashing loan (card loan).

[Basic information of Aiful]

( *) The monthly repayment amount is the amount for the "contract date system".

It is as early as one hour from application to loan, so if you want to borrow in a hurry, consider using Aiful.

What are the main products and services provided by Aiful?

What kind of products and services do Aiful offer?

We offer three types of products for individuals: cashing loans, "First Premium Card Loan" for those who use it for the first time, and "SULALI" for women.

As mentioned above, Aifuru also has a consumer finance business for individuals and a business finance business.

As a loan for individuals (consumer finance business), we provide card loans and summary loans.Here are three representative card loans products in AIFUL's loans to individuals.

Cashing loan is a typical product of Aiful's card loans.It is intended for those who have regular income and repayment ability between the age of 20 and 69.

The borrowing limit is as high as 8 million yen, but even a small amount from 10,000 yen can be set, so it can be used with confidence for those who are worried about over -borrowing.Interest rate is 3 a year.0 to 18.Applicable interest rates are determined by the borrowing limit and examination between 0 %.If you borrow from Aiful for the first time, there is a period when interest is not required for 30 days from the day after the contract date.

For those who use AIFUL for the first time and are 23-59 years old at the time of application, there is a product called "First Premium Card Loan" that can only apply for the web.Interest rate is 3 a year.0 to 9.5 %, the maximum interest rate is about half of the above -mentioned cashing loan, and it is a low -interest card loan, so it will be useful for those who want to focus on interest rates.

However, the borrowing limit is 1 to 8 million yen.It is not suitable for those who want to borrow a small amount, but it is recommended for those who want to borrow a large amount.

First Premium Card Loan also has an interest -free period for up to 30 days.

Sulali is a card loan for women.A dedicated dial by a female operator is provided, and it is easy to consult with small questions that are uneasy, "Is it okay to consult this?"

The borrowing limit is 10,000 to 100,000 yen, so it is easy for people who are reluctant to use card loans because they do not have to worry too much.Interest rates are uniform year 18.It is 0 %.Sulali, like other card loans, has an interest -free period for up to 30 days.

It can be used by people over 20 years old with regular income and repayment ability.

Summary of Aiful's good reputation

Please tell me about the good reviews of Aiful.

There are points that the screening time is fast, you can receive interest -free services when you use it for the first time, and that you can use it secretly to the company or family.

I introduced the characteristics of Aifuru, such as being a long -established money lender and a quick time to loan, but it is recommended to actually check the reputation of Aiful users to know other features.First of all, I will introduce it from a good reputation.

It is the charm of AIFUL to be able to judge smoothly if you have a minimum necessary documents, such as a quick and identification certificate, for a minimum of one hour from application to borrowing.It has a good reputation in that it can be borrowed immediately even if you suddenly need money.

Aifuru, in principle, does not receive a phone call or home to confirm its enrollment.It will be attractive for those who want to use a card loan but are worried about leaving the company.

If you apply for the first time, you can use it for 30 days from the day after the contract date.By repayment during the interest -free period, you only need to repay the borrowed principal.Therefore, compared to a low -interest bank card loan, using Aiful's 30 -day interest 0 yen will be less repayed.

If you want to borrow money for a short period of time, it is also important to focus on interest -free periods rather than interest rates.

It is also a good reputation that female operators have a corresponding female dial.Talking to men is a nice service that can be relieved for those who are scared.

In Aiful

We offer a 24 -hour LINE chat service "Poppo -kun", which is open all year round.You can also use the website with chatting questions about loan use by chat and get answers.

Aiful's bad reputation summary

Are there any concerns about those who use Aiful?

There are primarily higher interest rates than banks, and that they could only borrow less than their wishes.

I will also introduce bad reputation.If you are worried about the use of Aiful, please refer to what kind of person you are actually using.

Many people are reluctant to borrow money from consumer finance, and there are comments on Aifuru who are worried that they are "independent consumer finance that does not belong to the megabank group."

Many major consumer finance belong to a major city banking group, but Aifuru is an independent consumer finance that does not belong to the bank group.Some companies may feel uneasy even if they are listed on the long -established Financial Services Agency registration and listed on the First Section of the Tokyo Stock Exchange.

It has a word of mouth and reputation that "AIFUL has a high interest rate", but consumer finance card loans are generally higher than major bank card loans.

It is a pity that the higher interest rate that I thought would be applied, but the interest rate of Aiful is 3.0-18.The indication of 0 % is that the interest rate is determined in this range depending on the loan balance and the results of the examination.Know that the highest interest rate displayed is often applied, especially when using it for the first time.

In some cases, the screening can be passed, but it could only be borrowed with a smaller amount than wishing.Aiful has its own screening standards, and seems to be easier to borrow by setting the loan limit slightly lower.

The way people feel is different, so I can't say it unconditionally, but there are also word -of -mouth that I am dissatisfied with telephone support.If you are worried about such telephone correspondence, consider using Aiful's web application.

What are the benefits of using Aiful?

Please tell me the benefits of using Aiful.

It depends on the amount of borrowing, but there are points that you can get a quick loan from the application, refinancing, and have a comprehensive loan.

After checking AIFUL's reputation, let's consider what kind of benefits for you by using Aifuru.Here are the general benefits of using Aiful.

Although it has a good reputation, the fast speed from application to loan is a great advantage of using Aifuru.

On the official website of AIFUL, the screening of the web application can be borrowed in a minimum of 30 minutes, a minimum of 1 hour, but if you are in a hurry, call after applying for the web to shorten the screening time ( *.)

( *) Depending on the time, you may not be able to respond to your urgent request by phone.

If you use a card loan, everyone will want to keep the interests you pay as much as possible.In that regard, Aifuru will be interest -free for 30 days from the day after the first contract date.If you borrow 100,000 yen at a real rate of 18 %, the interest for 30 days is 1,479 yen.It is a great advantage to save that amount.

If you use AIFUL smartphone app (smartphone ATM), you can borrow and repay from Cardeless ATMs from Seven Bank and Lawson Bank nationwide.It is safe if you suddenly need money when you are not carrying a card.

In addition, it is convenient to display real -time information such as how much of the borrowing limit and how much you can borrow with a graph and numbers at a glance.

We offer refinancing and collective loans as well as new card loans.If you are already using a card loan, you can expect to reduce interest rates and repayments by using this service.

For those who are considering refinancing from other companies, there is a loan product called "Return MAX", and those who have never used Aifuru can apply.There is also a loan product called "Summary MAX", which can be used for refinancing from multiple companies, including AIFUL.

Both are loans that can be borrowed up to 8 million yen, and you can combine multiple card loans into one.In addition to lenders and bank loans, credit card revolving is also targeted.

In addition, Karie MAX / Summary MAX is a product that is only a loan product that can be borrowed many times within the range of usage limit, and is only a contract or repayment after borrowing.

The biggest advantage of using the MAX / Summary MAX is that lowering interest rates can reduce the total interest amount.Interest rates for revolving card loans and credit cards.There are many things that are about 0 %, but the interest rate of MAX and summary MAX is 3.0-17.5 %.Interest rate 18.It has the effect of reducing interest rates and monthly repayments compared to using multiple card loans and revolving payments.

In addition, the monthly repayment management will be easier by combining multiple borrowing of the repayment date and the repayment destination into one.Since additional borrowing is not possible, there is also the merit that the monthly contract will not increase or decrease, and that systematic repayment will be possible based on the contract.

One of the advantages of Aifuru is to provide a chat service "Poppo -kun" that you can always consult on LINE.It is a service where high -performance AI chatbots will answer 24 hours a day, 24 hours a day, so most questions will be answered immediately.It is safe when you want to ask questions or consult during the operator's reception hours, such as at night, weekends and holidays.

What are the disadvantages that can be considered when using Aiful?

I want to use Aiful, but what do you need to be careful about?

It is necessary to be aware that interest rates are higher than other major consumer finance companies, and that the interest -free period starts the day after the contract date.

As Aiful has a bad reputation, it can be a disadvantage for some people.Here are the general disadvantages that can be considered by using Aiful.

As mentioned above, the interest rate of Aifuru is at almost the same interest rate level as Acom and other major consumer finance companies..0 to 18.0 %.

However, in general, consumer finance card loans tend to have higher interest rates than banks, and AIFUL is no exception.

In particular, even for bank -based card loans, Bankwick (1) of Mitsubishi UFJ Bank (1).8-14.6 %) and Sumitomo Mitsui Banking Corporation (1).5-14.There is a big interest rate difference compared to those with low interest, such as 5 %).

The advantage is to have an interest -free for up to 30 days, but this interest -free period is "30 days from the day of the contract".In other words, if you do not withdraw (borrow) immediately after contracting, the interest period will decrease for several minutes, which can be a disadvantage.

There is a company that says "30 days from the day after the first withdrawal" like Promise, so AIFUL will be more disadvantageous for the interest -free period.

Aiful can borrow and repay from ATM,

If you use a affiliated ATM, a fee will be charged.Fees do not need to be repaid separately, and are included in the monthly billing amount.Please note that some people do not notice it.

The fees for using the affiliated ATM are as follows.

In the case of AIFUL ATM or smartphone app (smartphone ATM), fees are free, so if you do not want to pay a fee, use these methods.

If a person with a short period of time applies to Aiful, it may be difficult to pass the screening.

This is because the Money Lending Business Law requires money lender to judge the applicant repayment capabilities in the Money Lending Business Law, with the aim of banning loans that exceed the repayment ability and preventing applicants from falling into multiple debts.is.

Although the repayment ability screening is not limited to Aiful, some people think that AIFUL has a reputation that it is easy to pass the screening, so some people will have a short period of time.AIFUL has a stable income, and generally emphasizes that the number of years of service is long, so be careful if you have just changed jobs.

What is the characteristic of those who recommend using Aiful?

Please tell me about those who can recommend using AIFUL.

Recommended for those who are worried about the screening from other companies and those who have a small amount of borrowing.

So who can actually be recommended for the use of Aiful?Here are the advantages and disadvantages.

Comparing the contract ratio of new non -secure loans (card loans, etc.) of consumer finance companies as of March 2021, the aging rate of AIFUL is 40..This is the second highest after 1 % and Acom.

Due to the corona evil, measures against new Coronaviruses of each company may affect the closing rate.Therefore, it is undeniable that the future closing rate will fluctuate, but basically a high contract rate means that it is easy to pass the screening.If you have failed to judge other companies, you may want to apply for Aiful.

If the borrowing amount is less than 500,000 yen, Aiful does not need to submit a proof of income at the time of application.The income status will not be checked in detail in the documents, and it will be easier to pass the screening.You can save the trouble of preparing documents.

Aiful's cashing loan can be applied from a minimum amount of 10,000 yen.Those who wish to borrow a small amount should use AIFUL, which can omit the submitted materials.

However, if the total borrowing amount exceeds 1 million yen in addition to other companies, you need to submit a income certificate even if you apply to Aiful or less.Note this point.

As a general rule, if you do not want to call your company for the purpose of confirming your enrollment, you may not want to make a phone call to your employment.prize.

However, if you need to confirm by telephone in the examination, direct confirmation may be required.Be careful not to have any incomplete applications and submitted documents.

Aifuru's enrollment confirmation is basically a method of submitting documents instead of telephone calls.By submitting a salary statement or withholding slip that describes the workplace or the name of the person, it is a method to confirm that you are enrolled in the office as the tax return.

This allows you to avoid receiving calls or homes.In addition, there is no negative point, such as a loan or difficulty in the screening, even if the enrollment is confirmed by submitting the documents.You can use it with confidence.

How to apply ｜ Explain the procedure for receiving loans at Aiful

Please tell me how to apply for Aiful.

There are five methods: web and smartphone apps, telephone, store window, and unmanned stores.

From now on, I will explain the procedure for receiving a loan at Aiful.We will introduce five application methods: "Web", "smartphone official application", "telephone", "store window", and "unmanned store", so choose a method that suits you.

Web application is a method of applying procedures from PCs or smartphones via the Internet.Because it is accepted 24 hours a day, 365 days a year, you can apply for a card loan at any time.

The application procedure is as follows.

1. 公式サイトからパソコンやスマホで申込み（24時間365日受付。審査時間は9：00～21：00）。
2. 必要な人のみ本人確認書類や収入証明書を提出し、審査を実施（審査結果は電話またはメールで通知）。
3. パソコンやスマホで契約手続き。このときアイフルカード発行有無を選択する。
4. カードレスの場合は振り込み、スマホアプリ（スマホATM）など。カード有りの場合は郵送・無人契約機によるカード発行後、全国のアイフルATM、提携ATM（コンビニ／銀行）にて借入れ。

You can apply for a card loan not only from the web but also from the official smartphone app.Because it is accepted 24 hours a day, 365 days a year, you can apply for a card loan at any time.

The application procedure is as follows.

1. スマホにアイフルの公式アプリをダウンロードし、申込む（24時間365日受付。審査時間は9：00～21：00）。通常の入力フォームからの申込みも可能ですが、運転免許証を読取れば本人情報の入力を短縮できます。
2. 必要な人のみ本人確認書類や収入証明書を提出し、審査を実施（審査結果は電話またはメールで通知）。
3. パソコンやスマホで契約手続き。このときアイフルカード発行有無を選択する。
4. カードレスの場合は振り込み、スマホアプリ（スマホATM）など。カード有りの場合は郵送・無人契約機によるカード発行後、全国のアイフルATM、提携ATM（コンビニ／銀行）にて借入れ。

For those who want to apply while consulting with the operator, or those who are not good at PC or smartphone operation, we recommend telephone application.There is also a women -only dial.

The application procedure is as follows.

1. コールセンターに電話をして申込み。
2. 必要事項を伝えて審査を実施。
3. 本人確認書類など必要書類を持参し、契約手続きを実施（無人契約機、または郵送）。※無人契約機ならその場でカード発行可能
4. 全国のアイフルATM、提携ATM（コンビニ／銀行）にて借入れ可能。登録口座へ振込も可能。

AIFUL has been accepting applications at the store window so far, but in April 2021, the store window was closed in April 2021, in order to prevent the spread of the new colon virus infection in light of the spread.In the future, you will not be able to apply at the store window, but you can use the automatic contract room ATM as before.

If you have an unmanned store (unmanned contract machine) near your home, you want to use it.After the contract is completed, a loan card will be issued on the spot, so it is useful when you want to borrow in a hurry or when you do not want your family to see the Web operation, it is 9:00 to 21:00 except for some stores.It can be used for time.

The application procedure is as follows.

1. アイフルの無人契約機で申込み。
2. 無人契約機にて書類を読み取り、審査。
3. 審査に通過すれば、その場（無人契約機）で契約手続き。契約完了後にその場でカード発行。
4. 全国のアイフルATM、提携ATM（コンビニ／銀行）にて借入れ可能。登録口座へ振込も可能。

List of documents required to apply for Aiful

What documents do you need to borrow money?

You need a salary statement, withholding document for the last two months, a resident tax decision notification, a tax payment notice, a tax return, a blue tax return, and a breakdown of the income and expenditure.

Basically, you can apply for a card loan by submitting a copy of the "identification document with a face photo" and "Documents to prove your income".If you take a lot of time to prepare documents, you may not be able to enjoy the speed of speed up to your precious screening and loan.Let's prepare the necessary documents in advance.

In principle, the enrollment on the telephone is not confirmed, and the screening is performed, including the enrollment confirmation based on the submitted documents.If the use limit of Aiful is less than 500,000 yen, you do not need a income certificate, but you may be required to submit it during the screening process to check the income status such as employment status.Make sure that there is no defect so that it is easy to pass the screening.

The salary statement takes the last two months.For example, if the application date is January, submit November / December.If the salary statement for January has already been issued for application at the end of the month, it will be December and January.If there is a bonus statement (within one year), submit it.

When submitting, make sure that the name of the person, the name of the work, and the total payment are listed.

The withholding slip includes the total salary and bonus for one year, making it easier to judge.Let's submit the latest (for the previous year).

The resident tax decision notification is received every June through the workplace.The tax payment letter arrives from the municipal office every year from April to July.

Those who have filed a tax return can also submit a latest tax return.Make sure that the tax office has a statement on the reception date or the date and time of the electronic tax return.

Those who have filed a blue declaration can also submit the latest blue declaration financial statements.Make sure that the tax office has a statement on the reception date or the date and time of the electronic tax return.

"Rewards, fees, contract money, and prize money, which is issued from the contract when receiving a contract reward.Make sure that the name of the person, the person's address, and the payment person are listed.

Those who have filed a white declaration can also submit a recent breakdown.Make sure that the tax office has a statement on the reception date or the date and time of the electronic tax return.

What are the items to be checked in the Aiful screening?

What are the main items to be checked when receiving the examination?

You will be checked whether you have earned a stable income, the ratio of expenditure and income balance, and the borrowing of other companies.

In order to make it possible to borrow smoothly after applying, the screening must be passed smoothly.

None of the companies will be disclosed, and you will not be able to know the details.However, card loans are basically performed to check the applicant's repayment ability.Therefore, it is a rough idea of what to check in the screening.

Know the items to be checked in the screening and check your situation.Here, we will explain the three items checked in the examination.

In order to judge whether or not you have repayment ability, it is important to have a stable income.Looking at the application conditions of consumer finance companies, there is a statement that "people who have stable income over ○ years older".It is easy to think that the annual income is stable, but it is more important to have income, not the amount.

Even if you have a stable income, if you have a lot of expenditures, you will be concerned about repayment ability.Therefore, the balance between income and expenditure is also important in the examination.

Nevertheless, we do not submit documents to check the living expenses, such as the household account book, at the time of application.In AIFUL, you will be asked about the balance between income and expenditure as a family status (spouse / child), mortgage and rent burden rate.

In general, housing expenses account for a large percentage of monthly expenditures.Also, if you have a family, the expenditure will usually increase.In this way, you will check the balance between income and expenditure.

It is also an important item to confirm the repayment ability of other companies.If you already have a borrowing that is under repayment, the repayment will consume a portion of your income.In addition, the rules under the Money Lending Business Law, which are the total amount regulation, must check the loan of more than 1/3 of the annual income.

Furthermore, if you have borrowed it at another company in the past and in the past, you can check the repayment history (credit information) to check the repayment ability.Specifically, check if there is no delinquency or delinquency.

What is the cause that makes it easy to fall into Aiful's screening?

Is there anything to be aware of to keep the Aiful's screening?

You need to check if you are satisfied with the application criteria for the service you use before applying or if there is any problem with credit information.

AIFUL has a high contract rate among major consumer finance companies, but the closing rate is less than half.Some of these may include a person who did not sign a contract while applying, but some have failed to judge.Here are six main reasons for failing to judge.

The first reason is that the Aiful application standard has not been met.If you do not meet this standard, you will be refused application before proceeding to the examination.

Let's check the Aifuru application standard again.As mentioned above, there are three types of Aiful card loans, each with different application criteria.

The first premium card loan is a loan from 1 million to 8 million yen.If the desired borrowing amount is less than 1 million yen, you will not meet the standard.In addition, SULALI is also a loan from 10,000 to 100,000 yen, and if the desired borrowing exceeds 100,000 yen, it will not meet the standard.It is important to apply after understanding the characteristics and standards of each card loan product.

In order to check in advance whether the standard is met, it is also recommended to use Aiful's 1 -second diagnosis.However, be sure to know that even if possible with a 1 -second diagnosis, it may not be possible in the final screening.

If the content you declare at the time of applying to Aiful, you will not pass the examination.In the unlikely event that a false declaration is not found at the time of the examination, the contract will be canceled immediately if a false declaration at the time of application is discovered after the contract, and the entire payment of the debt balance is required.It is described in the AIFUL Card membership agreement.

There are various personal information such as address and date of birth, employment status, employment form, annual income, and borrowing status at other companies, and borrowing status at other companies, but the annual income is declared more to make it easier to judge.Never file a declaration by increasing the number of years of service.If this information is different in the middle of the examination, it will be considered a "false declaration" and will lose trust.Credit is the most important thing in loans.

Aiful is a professional with a lot of history and experience.You can check the information about your employer by submitting a salary statement or a withholding slip, and you have a means to check if there is any suspicion.Of course, credit information is the same.

Also, just because there are many items to declare and it is troublesome, avoid inputting them properly or neglecting to make mistakes after input.If it is different from the presented identification documents, it will take time to reconfirm and match information, and the examination will not be smooth.Even if you confirm your enrollment that is originally completed only by the document screening, you may need to contact us.

It is not limited to Aiful, but if there is a problem with credit information, the possibility of failing to judge is quite high.

Information on monetary transactions based on "personal credit" such as loans and credit cards is called "credit information".Specifically, when, when and where you applied for the loan of the company, what loan (credit card) is the loan contract, how to pay (lump -sum payment, revolving payment, etc.), paymentInformation on how many months, how much is being done, how much remaining debt, delay or delinquency (if there is) is registered in the credit bureau.

Even if it is registered in this credit information agency, there is no problem if the payment is made properly according to the contract.However, it is a problem if there are delays, delays, or multiple debts.

You can check the credit information yourself by requesting information disclosure.If you are uneasy, such as you have not been able to pay due to lack of balance in the past, it is recommended that you request disclosure to a credit bureau before applying.

First of all, let's know that the credit information agencies that manage credit information have the following three institutions.

Information on the history of consumer finance card loans is managed by the Japan Credit Information Organization (JICC).

Each specific disclosure request method is different, but basically there are methods to disclose on the Internet, mail, and counter.For example, when requesting Internet disclosure in JICC, follow the steps below.

1. アプリをダウンロード
2. 利用規約を確認した後、自分のメールアドレスを送信
3. JICCよりパスワードが発行される
4. パスワードを入力
5. 申込内容を入力
6. 本人確認書類や自撮り写真の撮影、送信
7. 手数料の支払い方法を選択
8. 申込内容の確認をして、開示結果を郵送

You can use your driver's license, My Number Card, the Basic Resident Register Card (with photo), various insurance cards, etc., and you need to submit two points.In addition, payment of 1,000 yen (tax included) is required as disclosure fee.For details, please check the website of each credit bureau.

If there are many borrowing of other companies, you may be able to judge.

Specifically, how many criteria are not disclosed, but as described in the balance between income and expenditure earlier, it is highly likely that if there is already borrowing at other companies, it will be inferior to repayment capabilities. Become.

Also, as mentioned above, if borrowing at other companies is in the last minute of the total amount regulation (equivalent to one -third of the annual income), you will not be able to make a loan even if you apply for Aiful.

You need to be careful about the number of borrowing.Even if there is room for the total amount of regulation, if the number of borrowing (loan) is large, it may be considered multiple debt.Many multi -debtors tend to repeat debt for debt repayment, and are suspected of repayment ability.If you are already borrowing from multiple companies, first try to apply for Aifuru after reducing your borrowing, such as paying off the remaining balance.

If it is difficult to reduce the number of borrowing, it is recommended to consider applying for AIFUL, which collects loans at other companies and refinancing them, to apply for "Retinated Max" or "Return Max".The purpose of these products is to have multiple loans refinancing together, so even if there is a borrowing of other companies, it will have little effect on the screening.

It is also important to know that AIFUL may have a review of repayment capacity at a later date after passing the screening safely and borrowing.

The reexamination is performed at two timing, "when applying for an increase" and "when a certain period has passed from the contract".

Applying for an increase in the amount of borrowing the first contracted borrowing amount will be lending more for Aifuru, so you will need to review the repayment ability again.

The other is a review to reconfirm the usage and repayment ability after a certain period of time after the contract.This screening is called a "promotion".In Article 13-3 of the Money Lending Business Law, money lenders are obliged to regularly provide religion, and information inquiries to credit information agencies without contacting the loan contractor or requesting documents.The examination will be conducted.

Nevertheless, not all loan contracts have been made in a way that is made, but is based on the conditions specified by the Cabinet Office Ordinance.Specifically, it is as follows.

なお、In Aiful勤務先など登録情報に変更があった際にはすみやかに変更の届け出をする旨、会員規約に定めています。万一途上与信で申込み時と現況が違っていることがわかれば、あらたに勤務先を確認されたり、収入証明書の提出を求められたりする場合もあります。

If you do not respond to the request of the submission, you may be canceled and you may be required to repay the remaining debt at once.Keep the registration information always keep the latest information and use and repay it properly.

Aiful may be able to avoid enrollment confirmation

I don't want to tell my workplace that I'm borrowing money.

Basically, we call the company to confirm your enrollment, but in the case of AIFUL, there are cases where you only check the submitted documents and check your enrollment.

The enrollment confirmation is that you cannot avoid it by applying for a card loan.The enrollment confirmation is always performed by applying for a card loan by confirming that the applicant is working at the declared office.Aiful is no exception.

However, AIFUL has confirmed enrollment in a different way from other card loan companies.There are two main ways to confirm your enrollment when applying for a card loan.

In general, it is performed in the former method, but Aiful confirms enrollment in the latter method.Therefore, in the case of AIFUL, you can avoid confirmation by telephone.

Introducing the characteristics of Aiful's enrollment confirmation

How can I keep my colleagues and bosses not know?

Ask you to call when you are in the company.However, please note that the person in charge, telephone content, and company name cannot be specified.

Enrollment confirmation by telephone is not performed in principle.However, if you decide that it is necessary to confirm by telephone while proceeding, you may be switched to enrollment confirmation by telephone.

In the unlikely event that AIFUL calls you, you should not be panicked even if you get a phone call.

If you call your place of work, you may be able to reduce the risk of being strange if you can call yourself.Therefore, it is also recommended to specify the time to make a phone call during the time at work.

In Aiful9:00〜21:00の営業時間内であれば電話連絡の時間指定が可能です。また、時間だけでなく電話連絡がくる日も指定できます。在宅勤務が増えている昨今、出勤日が不規則となる人もいるでしょう。希望の日にちを伝えておきましょう。

The enrollment confirmation does not give the company name or requirements of Aiful, and the person in charge calls by personal name.However, it is not possible to nominate the person in charge or ask, "Please call yourself XX."

However, you can specify the gender of the person calling.If you are not a family, you may be suspicious of telephone calls from the opposite sex, so in such a case, it is a good idea to ask the person in charge of the same sex to confirm your enrollment.

You cannot specify the company name.It is the same as not being able to specify a personal name.Giving a false company name is a violation of the law.

In the first place, the enrollment confirmation has been given a name for the person in charge, not the company name, and the applicant's privacy has been given to the applicant, so that it is not conveyed the requirements to the applicant himself.It is possible that the applicant asks him to give him a false company name.Let's wait for the phone with a dignified feeling.

As I mentioned earlier, even if you call for enrollment, Aiful does not convey the requirements other than the applicant himself.When you are not there, people in the workplace often answer the phone and ask for your business, but you can't specify it to have your mouth together, and you don't have to ask.

Aiful is open from 9:00 to 21:00, including weekends and holidays.If you apply within this time, you can basically make a loan on the same day, but for that, it is necessary to finish the enrollment confirmation before 21:00.

However, if no one is working late at night or on weekends and holidays, you will not be able to confirm your enrollment, so you will be able to confirm your enrollment after the next business day.If you want to borrow on the same day, please do it early during the day or to confirm your enrollment by documents.

There are a total of 5 types of repayment of Aiful

Please tell me how to repay.

It can be repaid from an account transfer, a convenience store Aiful ATM, a bank transfer, and a smartphone app QR code.

Know the repayment method after borrowing from Aiful in advance.Here are five types of repayment methods.

If you select a account transfer, your bank account in your own name will automatically deduct your monthly repayment.However, it takes about 40 days to register an account, so you have to pay by yourself by another repayment method until the procedure is completed.Be careful not to forget the repayment date.

You can repay the Aiful card from the next bank or convenience store ATM affiliated with Aiful.

The affiliated ATM is convenient because it can be repaid on Saturdays and Sundays, but it costs a fee when using it.It is 110 yen if the repayment amount is 10,000 yen or less, and 220 yen for more than 10,000 yen.

If you have Aiful ATM nearby, it is recommended that you repay using Aiful ATM.It can be repaid on Saturdays and Sundays and there is no fee.

Neither partner ATM nor Aiful ATMs are handled by coins.If there is a fraction of less than 1,000 yen, it will be difficult to pay off with ATM because you have to cut it off and repay it in 1,000 yen units.

It is a method of repayment by transferring to the designated account of Aiful.You can transfer from any financial institution.You can check the account information of the transfer destination on the member page or telephone.

It is suitable when you want to pay off because you can transfer a fraction of 1 yen units.However, the transfer fee is borne by the person.

This is a way to repay by reading the QR code displayed in the Aiful smartphone app.It can be repaid without AIFUL Card and can be repaid from Seven Bank and Lawson Bank around the country.However, as well as affiliated ATM repayment, a fee will be charged.

There are two types of repayment cycles for Aiful

アイフルのPlease tell me how to repay.

There are two repayment methods, a monthly contract date and a 35 -day cycle system.Next, I will introduce the repayment cycle of Aiful.There are two types, so let's choose the convenient one.

"Monthly contracted date payment" is a method that sets a fixed period (repayment date) every month according to your own convenience, such as payday.The repayment period is 11 days before the day.

For example, if the set settlement is 27 days, the repayment period is 11 days from 17 to 27 days.If the contracted date overlaps with Saturdays, Sundays, and holidays, the weekday immediately afterwards will be the repayment date.

Another "35 -day cycle system" is a repayment method that will be 35 days after the day after the previous repayment.In addition, it does not have to be repaid 35 days later, and it can be repaid at any time from the day after the last repayment date to 35 days.It is recommended because the faster repayment is reduced.

Repayment simulation when borrowed with Aiful

Interest rate 18.If you borrow 100,000 yen at 0 % and repay, how much does it cost at least every month?

It is necessary to repay at least 4,000 yen every month, including interest, 126,194 yen, including interest.

Introducing the simulation in three patterns about the total return amount when borrowing with Aiful.

First of all, after borrowing, it is the total payment if only the minimum fixed amount (repayment amount) is repaid monthly.The repayment method is "monthly contract payment", and the borrowing and interest rates are simulated under four different conditions.

* Calculate a month as 30 days

As you can see from the table, despite the calculation of 100,000 to 500,000 yen at the same interest rate, the interest increase in interest is larger than the borrowing amount.

This is because the method of increasing the minimum fixed amount set for each borrowed amount is decreasing.If the interest rate level is the same and at a minimum fixed amount, we recommend that you reduce the borrowing amount.

In fact, card loans don't have to borrow money on the contract limit.You can borrow only the required amount within the limit.

At this time, the repayment amount and the interest amount are calculated for the "actually borrowed amount", but the interest rate is applied by the "limit".In general, the larger the limit, the lower the interest rate.

In the second case, the limit is 200,000 yen (interest rate 17).Simulate assuming that only 100,000 yen of 0 %) is borrowed.The repayment method shall be "monthly contracted date", and the repayment amount is the minimum fixed amount of Aiful.

* Calculate a month as 30 days

As a third pattern, the contract limit is 2 million yen (interest rate 15).0 %) Simulate the borrowed amount assuming 1 million yen.The repayment method shall be "monthly contracted date", and the repayment amount is the minimum fixed amount of Aiful.

* Calculate a month as 30 days

If you want to lower the repayment burden, you may want to make a contract with a larger limit than the amount you actually borrow.However, be aware that the larger the limit, the harder the review of repayment skills will be.

Precautions when using Aiful, etc.

What should I do if it becomes difficult to repay the planned amount?

If it gets harder, contact Aiful as soon as possible.You can respond to changes to the repayment date.

You may want to actually use Aifuru after seeing the characteristics of Aiful, the loan products provided, the advantages and disadvantages of using AIFUL, and reputation.In that case, please understand the following precautions and use AIFUL.

It's not limited to AIFUL, but it's most important to use a card loan.

In the unlikely event that the repayment date cannot be repaid and the delinquency is delinquent, the fact is recorded in the credit bureau.There is a possibility that you will suffer a great deal of disadvantage at a later date.

For example, if you apply for a mortgage loan, an educational loan, or an application for a credit card, etc., you will always check your credit information.If this record has the fact that "delinquency" is "delinquent", the impression of credit will be worse and it will be disadvantageous for the screening.

Furthermore, if the delinquency continues for a long time and becomes "delinquent", it will be recorded as "transfer (accident information)".If you have an accident information, you will almost always be unable to make a loan.

Note that it will be recorded as a transfer in the following cases.

If you record a transfer, you will not only refuse applying for a loan, but also a disadvantage that you will not be able to update your current credit card.

It is important to keep the repayment date, but before paid, there may be difficulties to repay by the deadline.In such a case, consult Aiful before being overdue as possible.It may be considered, such as reviewing the repayment date.It is also possible to change the due date with the "next repayment date (grace)" of the membership menu.

Normally, if you are late for repayment, we will contact you to confirm the situation from Aiful, but if you continue delinquent without reply, you will receive a reminder for payment through a "dunning letter".

If you still ignore it, you will be able to make a lump -sum repayment request and a card loan contract in accordance with the membership agreement.In the worst case, the court may be forced to seize property.

In order not to be in such a situation, try to contact Aiful from yourself, rather than waiting for Aifuru to contact.

アイフル・消費者金融の評判などに関するQ&A

最後にアイフルをはじめ消費者金融の評判に関して良くある質問をQ&A形式で紹介します。アイフルに申込む際の参考にしてください。

Aiful to judge the loan quickly

Aifuru is a major consumer finance company that has more than 40 years since its establishment.Due to the independent consumer finance that is not under the bank, it has its own screening standards, and has a reputation for passing the screening rate and speed from application to loan.

In principle, those who do not want to know the use of card loans for companies and families, such as providing their own services, such as confirming the enrollment of enrollment only by confirmation of documents, without sending mail, can be borrowed by cardless.It is a company that is easy to use.

We have a wealth of loan products as well as borrowing and repayment methods.It can be said that consumer finance is suitable for various people with different conditions and conditions.