What are the reviews and reputation of au Jibun Bank card loan? Explains interest rates, examination difficulty, refinancing, etc
Anyone can easily apply for an au Jibun Bank card loan from a smartphone. In particular, it is a popular card loan that allows you to borrow up to 8 million yen, and if you have an au ID, you can also receive preferential interest rates. Also, anyone can create an au ID for free.
However, many people may have doubts about au Jibun Bank card loans, such as “What are the features, reviews, and reputation?”
Therefore, here, we will explain the features, merits and demerits of au Jibun Bank card loan, reviews and reputation.
*The detailed information in this article is as of the time of writing. Please check the official website of each institution for the latest information
. *All prices include tax.
* Corporations, institutions, or products listed include AD. Some may be returned to the editorial department
Overview of au Jibun Bank card loan
The au Jibun Bank card loan is a card loan with a normal interest rate of 1.48% to 17.5%, a limit of up to 8 million yen , and free use of funds. We can meet various needs such as moving costs, qualification acquisition costs, skill improvement costs, and hospitalization costs.
The monthly repayment amount starts from 1,000 yen, and the fee for using partner ATMs is 0 yen . Anyone can easily apply from a smartphone, and there is no mailing of usage statements.
In particular, you can create an au ID for free, and if you have one, you can receive preferential interest rates, so you can use it more economically than usual.
What are the merits and good reputation of au Jibun Bank card loan?
Knowing the merits and reputation of au Jibun Bank card loans, such as “procedures can be completed on a smartphone”, will make it easier to compare with other card loans .
Also, you can decide if the card loan is suitable for you.
Here, let's take a look at the benefits and good reputation of the au Jibun Bank card loan.
Procedures can be completed with a smartphone
With the au Jibun Bank card loan, you can complete everything from application to contract procedures on your smartphone. No need to come to the store, you can apply anytime 24 hours a day, 365 days a year.
As a result, we have received positive reviews and reputations, such as “I am happy because I can apply at any time” and “I am happy because I don’t have to go to the counter . ”
The advantage of the au Jibun Bank card loan is that you can easily apply for it with a smartphone or computer.
If you have an au ID, the interest rate will be reduced by up to 0.5%
Anyone can apply for an au Jibun Bank card loan, but if you have an au ID, you can receive a preferential interest rate of up to 0.5% per year . Also, anyone can create an au ID for free.
The following is the normal interest rate according to the au Jibun Bank card loan limit.
If you have an au ID and are eligible for the "Anyone Course", you will receive an annual 0.1% preferential treatment over the regular interest rate. In addition, the "refinancing course" for those who have an au ID and use refinancing is advantageous because it offers a preferential treatment of 0.5% per year over the regular interest rate.
In this way, if you have an au ID, you can reduce the burden of interest on card loans because the interest rate is up to 0.5% preferential .
If you have an au ID, you can receive benefits such as Ponta points
Anyone can create an au ID for free, and if you have an au ID and sign up for an au Jibun Bank card loan, you can receive up to 11,000 Ponta points .
The program is for customers with an au ID who have newly signed a card loan contract on or after December 1, 2020 (Tuesday).
Ponta points can be used not only at Lawson, but also at affiliated stores such as department stores and restaurants. In addition, it is also possible to exchange for other points and miles such as LINE points and d points.
Borrowing is also available
au Jibun Bank card loans can also be used for refinancing purposes. By consolidating multiple loans into one, the interest rate may be lower than before refinancing and the interest burden may be reduced .
This is because the higher the loan amount, the lower the interest rate.
You can freely specify the repayment date if you use designated repayment due date
With au Jibun Bank card loans, you can specify the desired repayment date for each month by using the “specified date repayment” option.
You can specify the repayment date according to your convenience, so you can see reviews and reputations such as "You don't have to rush on the repayment date" and "I'm happy to be able to specify the repayment date ."
The advantage of the au Jibun Bank card loan is that you can freely specify the repayment date.
You can apply even if you do not have an au Jibun Bank account
Depending on the card loan, it is necessary to open a new bank account. However, you can apply for an au Jibun Bank card loan without having an au Jibun Bank account.
Therefore, it is possible to use a card loan without the hassle and time of opening a new account.
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