Is there a driver's license loan with a sweet screening?Explain the type of loan and the contents of the examination
Generally, it costs about 25,000 to 300,000 yen to get a driver's license.In the case of students, part -time jobs, part -time workers, etc., there are many people who want to use a driver's license loan that does not have enough money and reduces the burden of monthly payments.
To use a driver's license loan, you have to pass the screening as well as other loans.Some people say that the driver's license loan screening is sweet, but what about the fact?
Here, we will explain in detail the driver's license loan screening.Let's take a look at the contents of the screening and the characteristics of the driver's license loan type.
You don't have to make a loan!Click here for how to get on a new car from the initial cost 0 yen and the 10,000 yen per month
[Points of this article] ✔ The driver's license loan screening is not special than other loans. ✔ In the driver's license loan, you can see stable income and credit information.The harshness is different
Is there a driver's license loan with a sweet screening?
Although it is a driver's license loan that can be used by minors and students, some say that the screening is sweeter than other loans.Let's see if the driver's license loan screening is really easy.
In conclusion, just because it is a driver's license loan does not mean that the screening is more special than other loans.As with other loans, the screening is performed, and if there is a problem on the borrower, the examination cannot be passed.
One of the reasons why the image of driver's license loan screening is sweet is that if you are 18 years old or older, you can apply under the name of a minor, and it is easy to apply for students and part -time jobs.
However, even students who have little income can form a driver's license loan because the income and credit information of the joint guarantor, who are actually judging, are actually eligible for judging.If you can't repay the person, there is no problem if the joint guarantor has the ability to repay.
What can you see in the driver's license loan screening?
A driver's license loan screening is also performed in the same way as other loans.Specifically, we will introduce what kind of information of the applicant can be seen in the screening.
In the loan screening, it is not just a high income, but a income that can be repaid without any problems.In order to pass the examination, the percentage of annual loan repayments for annual income must be less than 30 %.The point is that the annual repayment ratio is less than 30 %, including the borrowing amount of other loans other than the driver's license loan.
In addition, you can see the number of years of service to determine if you have a stable income.In general, it is a guideline for passing the screening to be more than one year of service.
If the applicant is a student or a housewife, if he cannot judge his income or length of service, the income of the joint guarantor or the head of the household may be judged.
If you are damaged by credit information such as mobile charges, tax payment delays, delinquency, it will be disadvantageous in the screening.Be careful, especially if there is a problem with credit information within the past five years, as it may not be passed.
If a student applies for a driver's license loan, there are many cases where the ability to pay and credit of the parental guarantor who will be the joint guarantor can be seen.
Depending on the type of driver's license loan, the age of the applicant may be restricted, but the loan of the credit company and the university co -op loan are often used by minors, so the agreement of the parental authority.If you have it, you can apply from the age of 18.However, bank -based loans must be more than 20 years old and have a stable income.
Driver's license loan type and application method
The driver's license loan has different application methods, interest rates, and the frustration of screening depending on the type.It is important to choose a loan that can be repaid without difficulty while comparing the terms and interest rates according to your situation.Here, let's take a look at the characteristics of each of the three types of driver's license loans.
A driver's license loan provided by a credit company can apply in the name of a minor or full -time housewife in the name.In the screening, students can see the income and credit information of the spouse for the students, and the full -time housewife.It is important to pay attention to the fact that it is easy to apply, but the interest rate is high.
You can apply from the Internet or phone.In addition, many driving schools accept applications for driver's license loans from the driving school and the distributed company.
If you apply from the Internet or telephone, consult with the person in charge of the driving school and the repayment plan to be used, and after passing, make a contract at the window or mail after passing.
There is also a driver's license loan provided by financial institutions such as banks and shinkin banks.In addition to a loan dedicated to license, there are also financial institutions that can borrow driver's license acquisition funds using car loans that can be used when purchasing a car.
Bank -based loans can be used at lower interest rates compared to other loans, but the terms of use tend to be severe, and in most cases, the contractor must have a stable income in the age of 20.
Many bank loans are completed on the Internet from application to contract.First, apply for the provisional examination from the official website of each loan, and after passing, receiving the final examination.If you submit the required documents and pass the examination, proceed to the contract procedure.
A driver's license loan provided by the university co -op can be used by students from the university.The advantage is that it is easy for students to use, and the interest rate is set lower than the loan of the credit company.
However, there are cases where there are restrictions that can only be used at the partner driving school, so check the terms of use carefully.In addition, a guarantor is often required because students without income are often used.
Go to the university co -op and receive a dedicated application form.Fill in the necessary information, prepare the necessary documents before applying.Some co -ops support the web application.
Is it easier to pass the screening than a loan?How to ride a new car with a minimum burden
How to use a consumer finance card loan as a driver's license loan
If it is difficult to use a driver's license loan from a credit company, bank, or university co -op, there is also a method of using a consumer finance card loan.Card loans are free to use, so of course they can be charged for driver's license acquisition costs.Let's take a look at the advantages of card loans and points to note when using.
A card loan that has no restrictions on the application can be used for obtaining a driver's license.It is necessary to submit a driver's license loan to prove that the borrowed money was used for obtaining a driver's license, but a free card loan can be used without such a hassle.。
The screening is relatively easy and easy to complete the procedure, so it is difficult to use another driver's license loan, but it is useful when you want to get a license immediately.
Card loans can borrow and repay as many times as you want.However, if you borrow many times during the repayment period just because you can afford the limit, the period to pay off will increase.Be careful as the repayment period will increase the burden of interest.
If you use a card loan instead of a driver's license loan, we recommend that you focus on paying for your borrowed money to get a license.
Points when choosing a driver's license loan
Driving license loans are divided into three types, and you can also pay the money you borrowed from a free card loan for your license.In order to use a loan that suits your situation, check the loan selection point.
The loan of the university co -op that students can use is almost determined by the creditworthiness of the parental authority.It is recommended to use a co -op loan for college students because the applicant can be used without income and has a lower interest rate than credit loans and card loans.
If you want to reduce interest, we recommend a bank loan with the lowest interest rate.The screening is tough, but the total repayment of the loan will be reduced from other loans.
You can apply for a credit company loan from the Internet or a driving school.The procedure is easy because you can apply carefully at home and apply at any time you want, or sign a loan contract directly at the driving school you go to.
It is difficult to use any driver's license loan, but you need a license acquisition fund.In such a case, consider a consumer finance card loan that is relatively easy and can be used quickly.
If you get a new car after getting a license, car lease!
After getting a driver's license safely, many people want a private car.However, considering the repayment of the driver's license loan and the maintenance cost after purchasing the car, some people may not afford to purchase much.
However, if you can ride a car with a monthly fixed rate, you can ride a new car with a low cost.
Car leasing is a subscription service of cars that can be used like a private car for a car leased at a fixed monthly fee during the contract period.
If you hear that you pay every month, you may imagine a repayment like a car loan.However, car leasing is a service that does not require down payment or bonus payment, and has no concept of interest rates, so you can ride a new car on a fixed monthly price every month without the initial cost or interest burden.
The monthly lease fee includes not only vehicle prices but also various taxes and liability insurance premiums, so even beginners can easily manage car -related expenses and make household management easier.
In addition, car leasing leasing charges are calculated after subtracting the "residual value", which is the expected price of the car at the expiration of the contract period, from the vehicle price.You can ride a new car at a better price than a loan purchase, because the mechanism of the residual value setting can reduce the vehicle price.
In addition, car leasing is different from rental cars and car sharing, and new cars are prepared for users.It is also attractive that you can choose your favorite car according to your budget and purpose from a wide variety of models.
If you are a flat -rate Calmo -kun, you can get on the new car for the cheapest in Japan for 0 yen for 0 yen!
"Frequent Carmo -kun, Carmo -kun for your Tok" is the cheapest*car lease in Japan that can be used without a down payment, no bonus payment, or paying the residual value at the time of return.Even if you get a license that is anxious about funds, there are plenty of services that make it easy to start car life.Here, we will introduce the charm of the flat -rate Calmo -kun.
* Among the Japan Automotive Lease Association Allied Federation, the monthly fee is the best in Japan in the service that leases new cars to individuals with completely fixed amount (no down payment, no bonus payment, closed end contract).Low price (July 13, 2021, survey of Stellaasocier Co., Ltd.)
The monthly fee is the cheapest in Japan*With a flat -rate Carmo -kun, you can ride a new car from the 10,000 yen per month.The monthly fee includes various taxes, liability insurance, and commissions, and if the maintenance plan is applied, the vehicle inspection fee, maintenance cost, and the original recovery cost can be incorporated into the lease fee and flattened.
Even those who have difficulty in preparing a large amount of money will be able to ride a new car with a low cost.
Furthermore, the flat -rate Carmo -kun handles new cars of all models and all grades of domestic manufacturers.You don't have to worry about choosing your first car because it is easy to choose a car you want and the budget.
* Among the Japan Automotive Lease Association Allied Federation, the monthly fee is the best in Japan in the service that leases new cars to individuals with completely fixed amount (no down payment, no bonus payment, closed end contract).Low price (July 13, 2021, survey of Stellaasocier Co., Ltd.)
The flat -rate Carmo -kun is resident in a full -time car concierge that can consult anything about cars.
Feel free to consult with LINE, email, or telephone for car selection and application methods, questions during the contract period, and car problems during the contract period.Even before the contract, it is safe for those who want to use car lease for the first time because they propose the perfect car or plan according to the wishes and situations of each user.
For those who are worried about passing the curlease, we recommend the fixed -rate Calmo -kun's "trial screening".It is a simple screening that can be received from the Internet, and it takes only about 5 minutes to apply.The results of the screening will usually arrive on the next business day, up to 3 business days.
Even after applying for a trial screening, you can cancel or change the model or plan before the contract.Choosing a car in parallel with the screening will make it possible to pay quickly.
It is important to choose a loan that takes into account the cash flow after obtaining a license
The cost of obtaining a driver's license will also increase the total payment depending on the interest when paying with a loan.In order to leave the cost of purchasing a private car after obtaining a license, it is important to compare the interest rate and repayment period of the loan used, and make a loan within the range that does not increase too much.
If you have difficulty buying a car, why not consider a car lease that can ride a new car while reducing the cost burden?Car leasing, like a flat -rate Calmo -kun, is rich in car choices and a substantial service that can reduce costs, even beginners can start Car life with confidence.
FAQ
A: The driver's license loan screening is not particularly sweet than other loans.As with other loans, the screening is performed, and if there is a problem on the borrower, it will not pass the examination.
A: In the driver's license loan, the applicant's annual income, years of service, and credit information are judged.However, in the case of students and housewives who have little income, the guarantor is subject to judging.
A: If you can ride a car only with a monthly fixed rate, you can ride a new car while reducing the cost burden.If you are a flat -rate Calmo -kun, you can ride a new car from the 10,000 yen range per month, and the monthly fee includes various taxes, liability insurance, and fees, and if you apply a maintenance plan, you can use it for vehicle inspection and maintenance costs., Costly recovery costs can also be set up in the lease fee and flattened.
* The content of the article is produced with information as of October 2021.