When applying for a loan with Aiful, having all the necessary documents on hand will help the process go smoothly. In this article, we will explain the types of documents that need to be submitted, the timing of submission, and points to note when applying to Aiful.
What documents are required to apply for Aiful?
Are there any cases where enrollment confirmation documents are unnecessary? What happens during a career change?
In order to apply, it is necessary to confirm your enrollment in writing or by calling your employer. If you cannot confirm your enrollment by phone, you will need to submit a document that proves your enrollment. Also, if you are unemployed while looking for a job, you cannot apply.
Aiful handles multiple loans, and the required documents are different for each. In addition to identity verification documents, additional documents may be required, so it is important to understand the necessary documents in advance so as not to prolong the period until you receive a loan.
In AIFUL, you can apply for 4 loans for each purpose of borrowing.
The following is a summary of the documents required at the time of application. In addition, if the applicant is a corporation, identification documents of the corporate representative are required.
| Cash advance loan (SuLaLi/First Premium Card Loan) | Identification document | Income certificate | Other documents |
| WEB | Unmanned store | ||
| [If you have a certificate with a face photo] *Passports that do not have a space for the holder to fill in do not have an address, etc. One additional document from A or B below is required as an additional document. (The same applies to a driver's license with the old address listed.) A. Driver's license, driving history certificate, passport (*with a space for the holder to fill in), basic resident registration card, special permanent resident certificate, residence card, and personal number. Card (front only), various insurance cards, national pension handbook, maternal and child health handbook, resident's card, family register, resident's record certificate B, utility bill receipt (electricity, gas, water, NHK, fixed-line phone), national tax・Local tax receipt/tax payment certificate [If you do not have a certificate with a face photo] For example, you need to present the following documents Example 1: Various insurance cards (current address) + resident card (current address) Example 2: Various insurance cards (old) Address) + Resident's card (current address) Example 3: Resident's card (current address) + Simplified registered mail (registered mail sent by Aiful to confirm address) Blue application form, statement of income and expenditure, resident tax decision notice, tax payment notice, income certificate, taxation certificate, pension certificate, pension notice, payment record may require proof of income. ・If your AIFUL credit limit exceeds 500,000 yen. If it is necessary in the screening process, such as confirmation of employment status | |||
| Consolidation loan (Consolidation MAX/Transfer MAX) | ・Driver's license・Driving history certificate [if you do not have a driver's license] ・Passport (* with a column for the holder to fill in) ・Basic Resident Register card ・Special permanent resident certificate ・Residence card ・Official documents (name, address, date of birth) date) ・Individual number card (table only) If you do not have a certificate] Select one of the following methods ① to ③ ① Submit 2 items from A ② 1 item from A and 1 item from B or C ③ Send 1 item from B and Aiful by simple registered mail A health insurance card Pension book Maternal and child health handbook B family register (abstract) Certificate of items listed in resident's card, etc. C・Identity verification documents showing current address Health insurance card, passport, pension handbook, maternal and child health handbook, etc.・Utility receipts ( Within 6 months from the date of receipt and with a receipt stamp) Electricity, gas, water, landline phone, NHK, documents issued by government agencies that include your name, address, and date of birth (within 6 months from the date of issue) ) | ・Withholding slip・Salary slip・Final tax return・Blue application form・Benefit statement・Resident tax decision notification・Tax payment notification・Income certificate・Taxation certificate・Pension certificate・Pension notice/payment record | Documents that can confirm borrowing conditions from other companies |
| Business support plan (unsecured loan) | [In the case of a sole proprietor] ・Final tax return [in the case of a corporation] ・Two financial statements | Certified copy of commercial register (within 3 months from the date of issue) | |
| Business support plan (real estate secured loan) | [For sole proprietors]・Aiful Predetermined business content confirmation, certified copy of real estate registry, public map, name identification ledger or fixed asset evaluation certificate [for corporations], certified copy of commercial registry (within 3 months from date of issue), certified copy of real estate registry (from date of issue Within 3 months) ・Public map/name identification ledger or fixed asset appraisal certificate |
* Data quoted from the Aiful official website
(Image = quoted from Aiful's official website)Identity verification documents must be submitted for any type of loan. When applying for AIFUL, you will need a photo ID such as a driver's license.
Click here to apply for AIFULAlthough you can use documents other than a certificate with a face photo as identification documents, additional documents may be required or documents may be mailed from AIFUL.
If the address listed on your identity verification document is different from your current address (applied address), you will need one of the following documents that shows your current address.
If you apply for a cash advance online, you can proceed with the procedure as long as you have a bank account in your name. If you can register by entering your account information at the time of application, identity verification is complete.
However, you may be required to submit proof of income (Aiful's credit limit exceeds 500,000 yen/If the total credit limit of Aiful and borrowing from other money lenders exceeds 1 million yen) ) and that the repayment method will be direct debit.
Click here to apply for AifulThe required documents are almost the same as when applying online, even when applying with an unmanned contract machine.
You can use the following photo IDs.
Passports without a column for the holder do not have an address, etc., so you will need to add either the above documents or A or B below as additional documents.
If you do not have a photo ID, choose one of the following three methods.
① Submit 2 items from A ② Submit 1 item from A and 1 item from B ③ Send 1 item from A and simple registered mail (registered mail sent by AIFUL for address confirmation)
Basically, AIFUL does not confirm enrollment over the phone. However, if it is necessary for the screening process, we will contact your employer to confirm your enrollment.
However, if the place of work is closed or if confirmation cannot be obtained from the place of work due to privacy concerns, enrollment will be confirmed by submitting documents. A social insurance card or pay slip is required as a document to prove your place of employment.
Sole proprietors may be asked to submit additional documents because it is difficult to grasp the actual situation whether they are really working. Self-reporting alone is difficult to distinguish from unemployed, so proof that you are running a business is required. If you have a copy of your tax return with the stamp of the tax office, it will be easier to check your income, so please prepare it in advance.
There are cases where Aiful's examination requires an official document that describes your income and income, called an income certificate, in addition to your identity verification documents.
(Image = quoted from Aiful's official website)The Money Lending Business Act defines the cases where it is necessary to submit an income certificate as follows.
In other words, if you want to borrow more than 500,000 yen from AIFUL alone, or if the total amount borrowed from AIFUL and other companies exceeds 1 million yen, you must submit proof of income.
Also, even if you do not meet these conditions, you will be asked to submit it when Aiful deems it necessary, such as when the amount of borrowing is large compared to your annual income, or when there is a suspicion of an error in your occupation or annual income.
The following income certificates are accepted as valid when applying for AIFUL. Please note that the latest copy is required and the format of the documents that can be used is fixed. Also, if it is lost, it must be reissued. Please inquire at your place of employment or municipality.
| Valid certificate | Notes |
|---|---|
| Withholding slip | |
| Salary statement | The most recent two months are required If you have received a bonus within the past year, submit a bonus certificate as well. |
| Inhabitant tax determination notice/tax payment notice | Tax payment notice |
| Income (taxation) certificate | issued by municipality |
| Pension Certificate / Pension Notice | Note that you cannot apply if you do not have a main regular income other than a pension |
| Payment record | Use the one issued by your employer in December to January |
Sole proprietor/ In the case of self-employed people, unlike office workers, there are many cases where there is no pay slip, and the documents that can prove income are limited. Basically, prepare a document issued by a public institution such as a tax return, a tax notice, or an income certificate. However, please note that it will be invalid without the receipt stamp of the tax office.
In order to borrow more than 500,000 yen from Aiful alone, it is necessary to submit an income certificate. However, in the case of borrowing 300,000 yen from Aiful and another 300,000 yen from other than Aiful, for a total of 600,000 yen, the conditions stipulated in the Money Lending Business Act are not violated. If the amount borrowed by each company exceeds 500,000 yen or the total amount of other companies exceeds 1 million yen, an income certificate is required, so in this case, it may not be necessary to submit the certificate.
However, it is not necessarily unnecessary, and you may be required to submit proof documents during the examination process, so when borrowing close to 500,000 yen, I prepared an income certificate. You should be safe.
Aiful's cashing loan stipulates the application targets as follows.
Since conditions such as minimum annual income are not set, borrowing is possible as long as there is repayment capacity. However, the minimum repayment amount for Aiful is 4,000 yen. If you think about repaying monthly, you will not be able to use money other than repayment, so you will need an income of 20,000 to 30,000 yen per month.
In addition, you cannot borrow in a way that conflicts with the total amount regulation. For example, if your annual income is 300,000 yen, you are legally prohibited from borrowing more than 100,000 yen.
Click here to apply for AIFUL.Aiful does not have a rule to submit documents regularly. However, you may be required to submit a proof of income when applying for an increase in the credit limit if the following cases apply.
In addition, AIFUL regularly conducts a campaign to submit proof of income. The following are the campaigns in progress as of January 2022.
・ Withholding slip submission campaign Campaign period: January 1, 2022 to March 31, 2022 A total of 4,500 people will win a total of 5 million yen, with a maximum of 100,000 yen per person. A lottery will be held within 5 business days of the month following the submission of the withholding slips for 2021, and winners will be sent an email or SMS with a winning guide. *There is no guidance for those who are not selected. After sending the winning guide, the prize money will be transferred to the registered bank account in the name of "Aiful" at a later date.
Source: Aiful Withholding Certificate Submission Campaign
Click here to apply for AIFULWhen to submit documents at AIFUL
What documents are required to receive a loan on the same day?
If you apply online, you will need a document confirming your identity or a bank account in your name. In the procedure using an unmanned contract machine, you can perform an examination for a same-day loan by bringing your identity verification documents. Depending on the conditions at the time of application, you may be required to submit proof of income. (If your AIFUL credit limit exceeds 500,000 yen, or if your AIFUL credit limit and borrowings from other money lenders exceed 1,000,000 yen, it will be necessary during the screening process, such as confirming your employment status. case)
When you apply for a loan with AIFUL, a provisional review will be conducted based on the information you entered in the application form, and then a final review will be carried out.
In general, you should submit your identity verification documents and income proof documents at the time when you have completed the preliminary screening. The preliminary examination itself is automatically performed by a computer, and the results are almost always available immediately, so it is safe to prepare the necessary documents at the application stage.
Click here to apply for AIFULAt AIFUL, you can choose the application method that suits you best. No matter which one you choose, the first thing you need is an “identity verification document”.
If you apply for a loan exceeding 500,000 yen, or if the total amount borrowed from other companies exceeds 1,000,000 yen, you will also need to submit an income certificate. Additional documents may be required depending on the type of loan.
If you want to receive a loan on the same day, after applying online from your computer or smartphone, contact Aiful's toll-free number and you will be given priority to start the screening process.
When you complete the online application, you will receive a card application/acceptance completion email.
In general, card loan membership agreements often include the content of "If there is a change in the address, name, or place of work that you notified at the time of application, you must declare it."
Aiful can also make changes on the member-only page, toll-free number, and unmanned stores. It is not necessary to resubmit identification documents or proof of income. However, it is necessary to be careful as Aiful may request submission.
Click here to apply for AIFULFive ways to submit documents to AIFUL
What is the easiest way to submit documents?
There are 6 ways to submit documents, but it is convenient to submit them on a computer or smartphone. You can send it anytime, 24 hours a day, and receive it faster than if you send it by mail. If you have a smartphone, you can also submit using the app.
There are various ways to submit the documents required for the application process at Aiful. Choose the method that best suits your application and your convenience.
There are five ways to submit the documents required for application, and the flow of procedures and points to be aware of differ for each method.
This is a method of sending the required documents using the "Document Submission Service". As long as you have the necessary documents ready, you can send them 24 hours a day, which is the easiest way to send them compared to other methods.
Up to 8 images can be sent.
Click here to apply for AifulWhen sending images from a smartphone through a browser, the procedure is the same as for a computer. It is even more convenient to use the Aiful dedicated app. When submitting a driver's license as an identity verification document, the information is automatically reflected in the application form when the document is read with a camera, so input time can be reduced.
The procedure for sending images with the app is as follows.
- Prepare the latest required documents
- Select "Easy application" from the smartphone app and take a picture of your driver's license
- Driver's license If you want to use an identity verification document other than the above, or if there is a change in your address or name in your driver's license information, select "Normal application" and send an image of the document separately
If you have a fax machine at home or are familiar with how to use it, this is a relatively smooth way to send documents.
The procedure for sending is as follows.
- Prepare the latest required documents
- Write your name and date of birth in the margins of your income certificate
- Aiful's designated destination phone number Send a Fax to a Number
When sending, make sure the front and back are correct and the fax number you are sending to is correct.
Click here to apply for AifulYou can complete the application process, including the submission of documents, at unmanned contract machines located in various locations. Business hours are basically from 9:00 to 21:00, and you can search for the nearest store on the Aiful website.
To submit an image, follow the steps below.
- Prepare the latest required documents and go to the store where the unmanned contract machine is located
- Call the operator on the phone inside the unmanned contract machine and place the documents in the scanner li>
- Scan and send documents
Since the scanner in the unmanned contract machine is high-performance, there is little concern that the image will be blurred, and documents can be sent reliably. This is the best way to get instant loans.
Click here to apply for AifulObtain a self-addressed envelope from the Aiful ATM corner or HP and mail the documents to the specified address. Write your name and date of birth in the margins of the document.
The submission method itself is simple, but it takes time.
Click here to apply for AifulIf you apply by phone, we will contact you for "first-time applications only". Business hours are from 9:00 to 18:00 including Saturdays and Sundays.
After applying by phone, submit the required documents in one of the following ways.
Click here to apply for AifulIt depends on how the documents are submitted. You can submit your application 24 hours a day using the following methods.
・PC・Smartphone・FAX・Mail
Only when using a contract machine, you can submit it only during business hours. Basic business hours are from 9:00 to 21:00.
The way the documents are submitted does not affect the ease of passing the examination. Since the examination is based on income and credit information, you can choose the method that is convenient for you.
However, the method of submission may affect the speed of review. If you make a mistake in the sending method or destination when sending a fax, or if the image submitted on the web is not clear, it will be considered incomplete and the examination results will be delayed. Also, if you send the documents by mail, it may take several days for the documents to arrive at Aiful.
With an unmanned contract machine, you can submit the necessary documents and apply while talking to an Aiful operator, so there is a high possibility that the procedure will proceed smoothly with few defects. If you want to get a loan on the same day, the unmanned contract machine is also convenient because the online procedure may contact you the next day when it is busy.
Click here to apply for AIFULThings to be aware of when submitting documents to AIFUL
How will I be contacted if there are any issues with the documents?
You will be contacted by phone. Be especially careful if you want a same-day loan, as the review may be delayed if there are any deficiencies.
If the documents submitted when applying for AIFUL are incomplete, the screening process may be delayed or you may not be able to pass the screening. In order to finish the examination as soon as possible, we will explain the points of document submission that you should keep in advance.
When submitting documents on a computer or smartphone, it is necessary to read the documents with a camera or scanner, create image data, and send them. Be careful as there are some points that are easy to be deficient.
If you use the image submission service, a warning screen will be displayed asking "Can you read letters and numbers?" Use a sharp image, as if the image is out of focus, it will be blurry and difficult to read. In particular, if changes such as addresses and names are listed, it will be difficult to read if the letters are small and blurry, so be careful.
If the image is small, it will be difficult to read the text, so use an appropriate size. Even if you enlarge the image, the image quality may deteriorate. Since the maximum image size that can be uploaded is 8 MB per file, it is safe to prepare an image as large as possible within the prescribed size range.
If you use the image submission service, a warning screen will be displayed asking "Do you see the whole image?" Please note that if only part of the document is shown, it may be incomplete. Especially for licenses, you may be asked to resubmit if the license number or issuer cannot be read.
When reapplying or requesting an increase, even if you have already submitted your income certificate, Aiful will ask you to resubmit it if it has been more than 3 years since your last submission. You may.
After 3 years, the employment situation will change, and it is possible that the position, annual income, and place of work will change. The Money Lending Business Act stipulates that money lenders are obligated to investigate their ability to repay when concluding a loan contract. prize.
Source: Japan Money Lending Association 3 You may be required to submit "documents proving income"
Due to various risks, never submit documents issued through an alibi company. If the use of an alibi company is discovered, not only will it not pass the examination, but it will also deceive Aiful, so there is a possibility that you will be charged with a crime.
A company that provides a service to issue documents such as pay slips and withholding slips by temporarily enrolling in an operating company for the purpose of disguising income, place of work, employment status, etc.
If there are any deficiencies in the submitted documents, you may receive a phone call asking you to resubmit or confirm the details. If you are unable to answer the phone immediately, the screening process will not progress and it will take time to process the loan.
Click here to apply for AifulFlow of borrowing from Aiful
Will my family know about my loan from Aiful?
In Aiful, if you pass the examination, we will carry out the contract procedure. During the contract procedure, the contract documents and cards will be delivered to your home, so your family may find out from the mail.
However, if you apply for "Web complete", the procedure from application to contract is completed online, and you can borrow without a card, so you will not receive any mail. If you do not want your family to know about it, you should apply with "Web complete".
The general flow of borrowing from Aiful is as follows.
- Apply and undergo screening
- After passing screening, sign a contract
- Borrow via ATM or bank transfer
I will explain the procedure to actually borrow and the service contents after borrowing.
(Image = quoted from the Aiful official website)The following four application methods are available at Aiful.
| How to apply | Reception hours |
|---|---|
| WEB (PC/smartphone) | 24 hours a day, 365 days a year |
| Smartphone app | 24 hours a day, 365 days a year |
| Unmanned contract machine | td>9am-9pm |
| Call | 9am-6pm |
* Data quoted from the Aiful official website
Either method can be handled including weekends and holidays, but the review may start on weekdays.
After you start applying, if you pass the preliminary screening, confirmation documents will be submitted and screening will be done. In the screening process, credit information and enrollment confirmation are also conducted, but in principle, AIFUL does not confirm enrollment by telephone. However, you may receive a phone call if necessary, and if you cannot respond, the examination will take time, so be prepared.
Click here to apply for Aiful (Image = quoted from Aiful's official website) Basically, if you applied on the web or smartphone app, you can do the procedure on the web as it is, and if you apply for an unmanned contract machine or by phone, you can do the procedure at the contract machine or by mail.In addition, if you are in a hurry, you can receive priority screening by calling Aiful after applying online.
(Image = quoted from Aiful's official website)Once the contract is completed, you will be able to borrow within the credit limit. You can choose a loan method according to your own situation.
| How to borrow | Smartphone app (Seven Bank ATM/Lawson Bank ATM) | Aiful ATM | Partner ATM (Convenience store/bank) | Transfer |
|---|---|---|---|---|
| Saturday and Sunday borrowing OK | ○ | ○ | ○ | ○ |
| No card required | ○ | － | － | ○ |
| OK even at midnight | ○ | － | ○ | ○ |
| 0 yen fee | － | ○ | － | ○ |
| Can withdraw in units of 1,000 yen | ○ | ○ | < td>－○ |
Source: Aiful Explanation of the flow from applying for a card loan to borrowing! Introducing documents to prepare
Up to borrowing, the procedure will be completed on the same day at the earliest. If you apply online, you can get a loan in as little as 25 minutes.
You can choose any of the following payment methods. However, if you verify your identity with a bank account at the time of application, please note that it will be an account transfer. Repayments can be made on Saturdays and Sundays, except by bank transfer or account transfer.
In addition, the contract date is set at the time of contract, and repayment is made once a month with a repayment period of 11 days including the contract date. For example, if the contract date is the 25th, the repayment period will be 15 to 25 days, and the repayment must be made during that period. In the case of bank transfer, the money will be withdrawn on the contract date. Please note that if you make a payment before the repayment period, it will be treated as an early repayment and you will need to repay it again on the contract date.
If you are using Aiful's unsecured cash advance loan for the first time, there is a service that allows you to borrow money without interest for 30 days from the day after the contract date. If it is within the interest-free period, the service will be applied again even if you pay it off and borrow again. If you need money temporarily at a time when you can expect to repay, such as payday or before bonus, you will receive more benefits.
However, please note that the "date of contract" with Aiful will be the standard, not the "borrowing date". If you only complete the card loan contract procedure and borrow one year later, you will not be eligible for the interest-free service.
Click here to apply for AifulIf you wish to cancel your subscription, please contact Aiful via chat or email. After completing the cancellation procedure, insert scissors into the card and dispose of it.
Regarding AIFUL Screening
Are loans from other financial institutions and mortgages checked?
In general, personal information is queried through a credit information agency when examining a loan. Since the credit information includes detailed records of borrowings from other companies and the repayment status of mortgages, there is a high possibility that it will be checked by Aiful. Also, from the perspective of total volume regulation, it is important to confirm how much you have borrowed from other companies.
Aiful conducts screening based on required documents and confirmation of enrollment. Even if there are no flaws in the documents, it is possible to fail the examination, but what kind of cases are there? Also, I will explain how difficult it is to pass the examination.
If you understand the characteristics of those who fail the examination at Aiful, it will be helpful when taking the examination. Most of the cases are as follows.
・Regarding loans from other companies with flaws in credit information and shopping use of credit cards, if repayments are frequently delayed or in arrears, they will be recorded in the credit information, which will have a negative impact on the examination. may be lost. Even if you are in debt consolidation, it will be difficult to pass the examination.
This is a procedure for legally reducing or exempting debts and adjusting the payment period. There are types such as voluntary liquidation, individual rehabilitation, and personal bankruptcy.
・If you have been forced to withdraw from Aiful before, it will be difficult to pass the examination if you have a record of being forced to withdraw due to nonpayment of repayments.
・Application details are incorrect due to input errors or false declarations If it is judged that the contents declared at the time of application are different from the actual situation, there is a possibility that the examination will be rejected. If there are any deficiencies, there are cases where confirmation is done by phone, so it is safe to respond immediately when Aiful contacts you.
・In conflict with the total amount regulation If the borrowing amount exceeds one-third of the annual income that violates the total amount regulation, it will be difficult to enter into a contract because it is legally regulated.
・Even if the application amount is large relative to the annual income, if the application amount is too large compared to the annual income, it may be considered that there is no repayment capacity and it may be difficult to pass the examination. I have.
・Unemployed If you do not have a job, it will be difficult to pass the examination because you will not be able to earn a stable and continuous income.
Aiful's eligibility criteria is "persons between the ages of 20 and 69 who have a regular income and the ability to repay", and no clear screening criteria have been published. However, there are no regulations regarding the type of employment such as full-time, part-time, or part-time employment, and students can apply as long as they have an income of about once a month, so it can be expected that the examination itself will not be very strict.
Click here to apply for AifulWhat are the features of Aiful? Recommends it for:
What kind of people borrow from Aiful?
Card loans are recommended for those who want to prepare for sudden expenses because they can be used for a wide range of purposes, such as travel, hobbies, ceremonial occasions, and lack of living expenses. In addition, AIFUL is a consumer finance company that is characterized by its speed of financing and interest-free services. It is ideal for those who want a same day loan or for those who want to borrow money for a short period of time before payday.
Aiful is recommended for those who meet the following conditions.
・If you want to borrow as soon as possible, you can complete the application and borrowing in as little as 25 minutes. Same-day loans are also available. * Depending on the time of application, it may be the next day or later.
・If you want to borrow money without being known to your family or workplace, Aiful offers a "web complete" method that allows you to proceed from application to document submission, contract procedures and borrowing on the web. My mail never arrives at my home. Also, since AIFUL does not basically confirm enrollment over the phone, it is unlikely that your application will be known to your workplace. *If you choose "cardless" or "account transfer"
・If you want to use the interest-free service, there is a 30-day interest-free period when you use it for the first time. It is a convenient service for those who want to borrow money for a short period of time without incurring extra costs.
・I want to borrow a small amount of 500,000 yen or less When borrowing 500,000 yen or less, you do not need to submit proof of income in principle. You can apply by submitting only your identity verification documents, and because there are few required documents, the examination will often proceed quickly.
・I want to choose the repayment method freely At Aiful, you can choose from the following six repayment methods, so you can repay according to your convenience.
Click here to apply for AIFULBelow, we compare the required documents and borrowing conditions for AIFUL and other consumer credit card loans. Choose a lender based on your personal preferences.
| Company name | Financing speed | Interest rate | Interest-free period | Borrowing Limit | Application conditions | Personal identification documents | Income proof documents |
|---|---|---|---|---|---|---|---|
| (Image = Aiful HP Quoted from) | Minimum 25 minutes | 3.0 to 18.0% | 30 days | Within 8 million yen | Ages 20 to 69 with regular income and ability to repay, and who meet Aiful criteria | One of the following: Driver's license Individual number card (front only) Basic resident registration card Special permanent resident certificate residence card Certificate, tax certificate, pension certificate, pension notice, payment record | |
| (Image = quoted from Promise HP) | Minimum 30 minutes | 4.5～17.8% | 30 days | Within 5 million yen | Contract criteria are those aged between 20 and 69 who have a stable income and repayment ability and who meet our standards Housewives and students However, if you have a stable income, such as a part-time job, you can use it after screening | One of the following: driver's license, passport, health insurance card + resident card | Any document, withholding slip, tax report, income certificate, final tax return, salary statement + bonus statement |
| (Image = quoted from ACOM HP) | Minimum 30 minutes | 3.0-18.0% | 30 days | Within 8 million yen | Age 20 Those who are 69 years old or older, have stable income and repayment ability, and meet ACOM's criteria Part-time workers and temporary employees can also apply Health insurance card, My number card | Any document, tax withholding slip, tax report, income certificate, tax return/blue return/income statement/salary statement | |
| (Image = quoted from SMBC Mobit HP) | Shortest same day | 3.0-18.0% | None | < td>Within 8 million yenPeople between the ages of 20 and 69 who have a stable regular income (those who meet the criteria of SMBC Mobit) Part-time workers, temporary workers, part-timers, and self-employed people Possible | One of the following: ・Driver's license ・Passport ・Health insurance card | Any document ・Withholding certificate ・Tax report ・Income certificate ・Final tax return・Salary slip | |
| (Image = quoted from Lake ALSA HP) | Minimum 60 minutes | 4.5-18.0% | 30 days/60 days/180 days | Up to 5 million yen | Ages 20-70 | One of the following: ・Driver's license ・Passport ・Health insurance card ・My number card ・Residence card ・Special permanent resident certificate | Any document ・Withholding slip, tax report, income certificate, final tax return, pay slip |
* Data quoted from each card loan company
Frequently asked questions about borrowing from Aiful
We have compiled a list of frequently asked questions about borrowing from Aiful.
Aiful has many options for how to submit the necessary documents, and same-day loans are possible!
I explained the required documents, the timing of submission, and points to note when applying to Aiful.
In AIFUL, the required documents vary depending on the type of loan you apply for. Identification documents such as a driver's license are required, but if you do not have a photo ID, you can submit other documents.
In addition, if you wish to borrow more than 500,000 yen from Aiful, or if the balance exceeds 1 million yen when combined with other companies, you will need to submit an income certificate. However, there are cases where it is necessary even if the conditions are not met, so it is safe to prepare in advance.
You can submit the required documents in various ways, such as fax, contract machine, or mail, but the web is convenient because it can be used 24 hours a day, 365 days a year. If you use the WEB complete service, you can complete everything from application to borrowing on the WEB, eliminating the need to receive mail.
Aiful can provide loans in as little as 25 minutes. If you wish to apply for a same-day loan, it is important to understand the flow of procedures and necessary documents in advance so that the procedure will proceed smoothly without any defects.
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