[2022] What do you recommend for AIFUL and ACOM card loans?Compare interest rates and screening criteria

When borrowing with a card loan, many people will be candidates for two Childmpanies, AIFUL and AChildm, which are major Childnsumer finance.In this article, we will thoroughly Childmpare the characteristics of Aiful and AChildm, a popular Childnsumer financial card loan, and share how to choose and criteria.By the time you finish reading, you will know which card loan is suitable for you.

table of contents

1. Compare Aiful and Acom Basic Information
2. What are the features of Aiful's card loan?
3. What are the features of Acom's card loan?
4. Aiful and Acom, which is better if you use it?Conditional repayment simulation
5. Recommended card loan ranking
6. Which do you choose Aiful or Acom?Thorough comparison with 10 items!
7. Do you want to apply for two companies when you get lost?
8. Frequently Asked Questions about Aiful and Acom and card loans
9. If you get lost between Aiful and Acom, compare the two companies and choose the one that suits you.

Compare Aiful and Acom Basic Information

There is no distinction between Aiful and AChildm.Is there a difference?

AIFUL and AChildm have almost the same time and screening time until the loan.However, there are differences in detail, such as the minimum repayment amount and telephone for enrollment Childnfirmation.

Compare AIFUL and ACOM from the viewpoint of time, interest rates, and loans.

会社名	アイフル	アコム
融資までの時間（最短）	25分	30分
審査時間（最短）	25分	30分
金利	キャッシングローン3.0%～18.0%ファーストプレミアム・カードローン3.0%～9.5%	3.0%～18.0%
融資額	キャッシングローン1万円～800万円ファーストプレミアム・カードローン100万円～800万円	1万円～800万円
最低返済額	4000円～	1000円～※借入残高や契約極度額に応じて算出
無利息期間	契約日の翌日から30日間（初めて契約する方限定）	契約日の翌日から30日間（初めて契約する方限定）
在籍確認の電話	原則なし	原則電話確認あり
担保・保証人	不要	不要

* From the official website of Aiful and AChildm

Aifuru has a product called "First Premium Card Loan", which has a low interest rate and a large minimum loan.If you use a card loan for the first time, Childnsider it.

アイフルのお申し込みはこちら

AIFUL and ACOM have small differences, such as the minimum repayment amount per month and the presence or absence of enrollment.From the next chapter, let's take a closer look at the characteristics of Aifuru and AChildm's card loans.

What are the features of Aiful's card loan?

（画像＝アイフル公式ホームページより引用）

What are the main features of Aiful?

In the case of AIFUL, there is no telephone call to the place of work or home when applying for a new one.This is a major feature of Aiful, while many other Childmpanies require a telephone Childntact for enrollment Childnfirmation.

アイフルのお申し込みはこちら

Aiful supports borrowing and repayment with smartphone ATM.Another feature is that it handles a product called "First Premium Card Loan" that can use a card loan at a great price.

The following three reChildmmended points for AIFUL are:

If you use Aiful's exclusive app, you can use a smartphone ATM at Seven Bank and Lawson Bank.A smartphone ATM is a service that allows you to borrow and repay in cardless by downloading and logging in AIFUL applications and logging in.

At the Seven Bank and Lawson Bank ATM, you can borrow and repay 24 hours a day, 365 days a year just by holding a smartphone.If you are worried that people can see AIFUL cards, "I don't want to carry a card."

Note that the following partner ATM fees will be charged for using the smartphone ATM.

Aiful also supports borrowing and repayment using cards at ATMs and cards using cards.

アイフルのお申し込みはこちら

In AIFUL, if the screening is Childmpleted, you can borrow 24 hours a day, 365 days a year and a minimum of 10 seChildnds.Even if you suddenly need money on holidays or at night, you will not have to go to the ATM and get a loan immediately.

If you request a transfer from the Internet, access the "Member Login" page on the official website and perform the procedure after logging in.

AIFUL supports transfer to about 1200 financial institutions nationwide, such as city banks and regional banks.The main financial institutions are as follows.

* Transfer time depends on the financial institution.* In the case of financial institutions that do not have a transfer time expansion (more time), the transfer time can be transferred from 8:30 to 15:30 on weekdays.* Transfer reception may be suspended due to system maintenance, etc.

アイフルのお申し込みはこちら

Aiful can also Childntract without issuing cards.If you use a transfer or Seven Bank / Lawson Bank's smartphone ATM, you can borrow and repay without any problems with cardless.

Cardless Childntracts have the following benefits:

By the way, if you need a card, you can issue it for free.

The procedure for borrowing with cardless is as follows.

1. 事前にスマホアプリをインストールしておく
2. 対応ATMに行く
3. ATMを操作してQRコードを表示する
4. アプリを起動してQRコードを読み取る
5. 案内に従って操作し、借入や返済を行う

アイフルのお申し込みはこちら

Here, I will explain the fact that Aiful is superior to AChildm.The most notable point is that it is clear that there is no telephone Childntact when applying for a new application.

In addition, there is a nice service for those who want to use a card loan without knowing the surroundings, such as being able to borrow and repay in cardless.

アイフルのお申し込みはこちら

Aiful states on the official website that in principle, do not Childntact your home or office when applying for a new application.

On the other hand, AChildm, in principle, Childnfirms enrollment by telephone to the Childmpany when applying for a new application.Therefore, if you do not want to be known to your boss or Childlleagues in your workplace, it is safer to apply for Aifuru.

アイフルのお申し込みはこちら（画像＝アイフル公式ホームページより引用）

AIFUL also handles products called "First Premium Card Loan" in addition to the regular card loan "cashing loan".The First Premium Card Loan is a card loan exclusively for those who use Aiful for the first time.

Aiful's normal cashing loan interest rate is 3.0 % to 18.At 0 %, the loan amount is 10,000 to 8 million yen.On the other hand, the interest rate of the first premium card loan is 3.0 % to 9.5 %, low interest rate.The loan amount is 1 million yen to 8 million yen, and the minimum loan is set higher than the cashing loan.

First Premium Card Loan is a web application -only product.It is available to meet certain requirements, such as regular inChildme and repayment ability, between the age of 23 to 59.

The advantage is that you can get a loan at a lower interest rate than a normal cashing loan, but it is Childnsidered that the screening standard is stricter than the normal cashing loan.

If you value interest rates, you may want to apply.

アイフルのお申し込みはこちら

Aiful has a "women -only dial" for female operators.

・ Women-only dial: 0120-201-884 (reception hours: 9: 00-18: 00 on weekdays)

AChildm does not have a women -only dial, so if you are more Childmfortable with female operators, you should use Aiful.

Aifuru has various other inquiries.

・ LINE / chat

（画像＝アイフル公式ホームページより引用）

・ Contact the chatbot "Poppo -kun" (open all year round ・ 24 hours) ・ Consultation with the operator (reception hours: 9: 00-18: 00 on weekdays)

・ Email Poppo@AIFUL.Child.jp

・ The first application for the phone 0120-201-810

アイフルのお申し込みはこちら

Aiful is a card loan that I would like to especially recommend to the following people.

Aiful can get a loan in a minimum of 25 minutes from the application.

If you use a card loan for the first time, you have a stable income, and if you pass the screening, interest rate 3.0 % to 9.You can use 5 % "First Premium Card Loan".

If you use Seven Bank or Lawson Bank ATM, you can borrow and repay only with a smartphone app, so it is suitable for those who want to get a loan without being known to the people around you.In addition, since the enrollment confirmation by telephone is not performed at the time of application, those who want to avoid contacting the company can apply with confidence.

It is also a nice point to be able to use the "women -only dial" that women operators will always support.

アイフルのお申し込みはこちら

What are the features of Acom's card loan?

（画像＝アコム公式ホームページより引用）

What are the most distinctive features of Acom?

Acom's 2021 passage rate exceeded 40 % ( *).Acom seems to have a high screening rate because it is often selected as the first card loan, such as "the first Acom".Just because the passing rate is high does not necessarily mean that you will pass the screening, but for those who are worried about the screening, the high screening rate will be helpful.* Source: Acom Data Book

Acom's card loan supports the various application methods as follows, so you can choose a way to apply for you.

・ Application for Internet applications can be completed online from application to contract, and transfer is possible on the same day.

・ Published a card in the shortest 30 minutes of application at the store window and automatic contract machine.It is safe for the first time because the person in charge responds to questions and consultations.

・ Recommended for those who want to apply or in a hurry on the go.24 hours a day, 365 days a year, and on the same day is also possible.

・ You can apply even if there is no Acom near the mailing application.It can be considered carefully to fill out and return the application documents.

アコムのお申し込みはこちら

Acom is a popular consumer financial card loan used by more than 1.5 million people as of the end of September 2021.Source: Acom Corporate Information Site

As the complaint of the CM "Acom for the first time", we provide various ideas -made services so that even those who are new to card loans can be used for the first time.

Acom's specific recommended points are the following three.

Acom will be notified of the screening results in a minimum of 30 minutes from the new application, and will be able to receive a loan on the same day.If you have an account of Rakuten Bank, you can get a transfer loan in a minimum of 1 minute after contracting.

However, in the examination, various information such as individual attributes, annual income, and credit information is checked.There are individual differences in the time required for the examination, and the examination is not always completed in 30 minutes.This is the same for other companies' card loans that claim to be "the shortest for judging".

Even though it is "minimum 30 minutes", apply with as much time as possible so that you can receive the examination without being impatient.Acom's official website offers a "3 -second diagnosis" tool that allows you to simply diagnose your loan, so we recommend that you try it in advance.

アコムのお申し込みはこちら

At Acom, you can borrow and repay 24 hours a day, 365 days a day, using transfer from the web or ACOM ATM / partner ATM.If you use a transfer or Acom ATM, the commission is free.

Acom also supports transfer loans to financial institutions nationwide.The transfer time for each financial institution is as follows.

金融機関	曜日	受付時間	振込実施の目安
楽天銀行	月曜～日曜・祝日	0:10～23:49	受付完了から1分程度
三菱ＵＦＪ銀行ゆうちょ銀行三井住友銀行みずほ銀行
月曜	0:10～8:59	当日 9:30頃
9:00～23:49	受付完了から1分程度
火曜～金曜	0:10～23:49	受付完了から1分程度
土・日・祝日	0:10～8:59	当日 9:30頃
9:00～19:59	受付完了から1分程度
20:00～23:49	当日 9:30頃
振込実施時間拡大（モアタイム）金融機関	月曜 ～ 金曜	0:10 ～ 8:59	当日 9:30頃
9:00 ～ 17:29	受付完了から1分程度
17:30 ～ 23:49	翌営業日 9:30頃
土・日・祝日	0:10 ～ 23:49	翌営業日 9:30頃
その他金融機関 （コアタイム）	月曜 ～ 金曜	0:10 ～ 8:59	当日 9:30頃
9:00 ～ 14:29	受付完了から1分程度
14:30 ～ 23:49	翌営業日 9:30頃
土・日・祝日	0:10 ～ 23:49	翌営業日 9:30頃

Source: Acom Official Homepage * Transfer time may be changed during consecutive holidays such as the year -end and New Year holidays and Golden Week.

アコムのお申し込みはこちら（画像＝アコム公式ホームページより引用）

If you use the "3 -second diagnosis" on Acom's official website, you can simply diagnose the loan before applying.

The result of "3 second diagnosis" and the actual examination result do not always match, but it is a reassuring service for those who apply for the first time.If you are worried about the screening, we recommend that you try it before applying.

The items to be entered in "3 second diagnosis" are as follows.

After entering the "Start Diagnosis" button, the diagnosis result will be displayed.However, in the actual screening, in addition to the above input items, personal credit information is also referenced.Think of "3 -second diagnosis" as a guide to borrowing.

アコムのお申し込みはこちら

Here are three points that Acom's card loan is excellent compared to Aiful.If you want to use a card loan at Acom, please refer to it.

The most notable point is that ATM is convenient and easy to borrow and repay.

It is also a safe point that the applicant's passing rate is higher than Aiful.Even those who are worried about the screening or those who have refused borrowing at other companies will be easier to apply.

In addition, depending on the borrowing situation, the monthly minimum repayment amount may be lower than Aiful.

Let's take a closer look at each.

Acom is more convenient for borrowing and repayment using ATMs compared to Aiful.Both AIFUL and ACOM can trade in the affiliated ATM with their own ATMs, but it is better to use their own ATMs because there is a fee for using partner ATMs.

The business hours of Aiful's own ATM are basically from 7:00 to 23:00.On the other hand, Acom's own ATM is open all year round and is basically open 24 hours a day.

As of September 2021, AIFUL was 441 and 896 for Acom as of September 2021.

* Business hours may differ depending on ATM.

アコムのお申し込みはこちら

The method of knowing the percentage of the passage pass is checking the passage rate.

The percentage of new applicants who have signed a contract

Acom has a higher screening pass rate (closing rate) compared to Aiful.The average value of the passage pass rate from April to November 2021 is as follows.

	アイフル	アコム
審査通過率（2021年4月～11月）	34.4%	42.3%

Source: Aiful IR / Corporate Information Site Financial Information Month Data, Acom Corporate Information Site Monthly Report

The passing rate varies depending on the time of time, but if you are worried about the screening, you may want to apply to Acom.

アコムのお申し込みはこちら

Whether you use a smartphone app and a convenience store ATM in Aiful or Acom, you can borrow and repay in cardless.

Acom has a free ATM fee.If you want to use cardless trading and want to keep your fees down, Acom is better.

On the other hand, if you use ATM in Aiful's cardless trading, you will be charged every time.The commission is as follows.

Source: Aiful official website

You can use Seven Bank in Acom and Seven Bank and Lawson Bank in Aiful.

アコムのお申し込みはこちら

Acom is a card loan that I would like to recommend, especially for the following people.

In Acom, the examination is completed in a minimum of 30 minutes.There are various application methods and transaction methods such as the Internet, their own ATMs, partner ATMs, and store counters, so it is also recommended for those who value borrowing and repayment.

The company ATM, which has a free fee, is all over the country, and is basically open 24 hours a day.It is also a nice point that you can make a contract or trade while consulting with the staff directly at the store window.

In addition, since the passing rate is higher than AIFUL, it will be easier to apply even for those who are worried about the screening.Tools such as "3 second diagnosis" can also be used.

It depends on the borrowed balance and the extreme amount, but it is also attractive that the minimum repayment amount of a small borrowing in tens of thousands of yen compared to AIFUL can be reduced.

アコムのお申し込みはこちら

Aiful and Acom, which is better if you use it?Conditional repayment simulation

Which of the total repayments is smaller for Aiful and Acom?

Since it depends on the borrowing amount, the limit, and the number of repayments, which is not always the case.This chapter simulates for these conditions, so please refer to it.

Many people think that they want to reduce the burden of interest when choosing a card loan.

In addition to the borrowed amount (principal), it is interest to pay the lender.It is calculated with interest rates on the borrowed amount.

The interest rate between AIFUL and Acom is almost the same, but the monthly minimum repayment calculation method is different, so the total interest amount when paid off changes.

This is because the total interest amount at the time of payment is affected by the number of repayments (repayment period).If the interest rate is the same, the higher the number of repayments (the longer the repayment period), the greater the total interest.

Here, we simulated AIFUL and Acom repayment according to conditions such as borrowing amount and interest rates.Compare the simulation results while imagining the amount you want to borrow and the number of repayments you want.

First of all, let's simulate the repayment amount and total interest in "If the highest interest rate is applied and the minimum amount is repaid every month" between Aiful and Acom.

借入金額・金利	アイフル	アコム
10万円を年18.0％で借入	最低返済額4000円／月（32回払い）総利息額2万6200円	最低返済額3025円／月（46回払い）総利息額3万9132円
30万円を年18.0％で借入	最低返済額1万1000円／月（36回払い）総利息額8万8505円	最低返済額9075円／月（46回払い）総利息額11万7443円
50万円を年18.0％で借入	最低返済額1万3000円／月（58回払い）総利息額25万0622円	最低返済額1万5125円／月（46回払い）総利息額19万5756円
100万円を年15.0％で借入	最低返済額2万6000円／月（53回払い）総利息額37万1152円	最低返済額2万144円／月（78回払い）総利息額57万1206円

* Created from the repayment simulation of the official website.Aiful's simulation is a fixed -date system.Acom's simulation is repaid every 30 days from the borrowing date.Note that Acom's minimum repayment amount is calculated individually.* Please note that it is a guide only, and the actual repayment amount and interest may differ.

Depending on the borrowing amount and the number of repayments, Acom tends to lower the monthly minimum repayment.However, it is important to note that as the number of repayments increases, the total interest amount will increase.

アコムのお申し込みはこちら

The minimum repayment amount of Aiful is determined as follows according to the balance immediately after borrowing.

借入直後残高	最低返済額（毎月1回返済する約定日制の場合）
1円～10万円	4000円
10万円超～20万円	8000円
20万円超～40万円	1万1000円
40万円超～50万円	1万3000円
50万円超～60万円	1万6000円
60万円超～70万円	1万8000円
70万円超～80万円	2万1000円
80万円超～90万円	2万3000円
90万円超～100万円	2万6000円
100万円超～300万円	10万円ごとに1000円ずつ加算
300万円超～310万円	4万7000円
310万円超～490万円	10万円ごとに1000円ずつ加算
490万円超～500万円	6万6000円
500万円超～790万円	10万円ごとに1000円ずつ加算
790万円超～800万円	9万6000円

Source: Aiful official website

アイフルのお申し込みはこちら

On the other hand, Acom's minimum repayment is a certain percentage of borrowing balance when borrowed.A certain percentage is determined according to the amount of contract at the time of contract.

ご契約極度額	一定の割合
30万円以下の場合	借入金額の4.2％以上
30万円超100万円以下の場合	借入金額の3.0％以上
100万円超の場合	借入金額の3.0％以上
借入金額の2.5％以上
借入金額の2.0％以上
借入金額の1.5％以上

Source: Acom Official Homepage

If the calculated minimum repayment amount is less than 1,000 yen, cut it up and pay for 1,000 yen.

For example, let's consider a case where you borrowed 100,000 yen if the contract is 300,000 yen.The minimum repayment amount for calculation is 100,000 yen x 4.2 % = 4200 yen, but the actual minimum repayment amount is 5,000 yen every month to cut up a fraction of less than 1,000 yen.

In this way, the minimum repayment amount is determined by the balance immediately after borrowing, but Acom determines the minimum repayment amount by combining the borrowed balance and the extreme contract.Therefore, the minimum repayment amount may change if the relationship between the contract and the borrowing balance changes.

Next, let's look at the simulation results under different conditions.

The limit is 200,000 yen and "100,000 yen is an interest rate 18.Let's simulate the repayment when borrowed at 0 %.

	アイフル	アコム
最低返済額	4000円	5000円
返済回数	32回（2年8ヵ月）	24回（2年）
総利息額	2万6200円	1万9772円

* Created from the repayment simulation of the official website.Aiful's simulation is a fixed -date system.Acom's simulation is repaid every 30 days from the borrowing date.Note that Acom's minimum repayment amount is calculated individually.* Please note that it is a guide only, and the actual repayment amount and interest may differ.

In Aiful, the minimum repayment amount is determined by the balance immediately after borrowing.The minimum repayment amount when the balance is 100,000 yen immediately after borrowing is 4000 yen per month.If you repay the minimum repayment every month, you will pay for 2 years and 8 months and pay 26,200 yen.

On the other hand, in ACOM, the minimum repayment amount is determined by the extreme amount (limit) and the borrowing balance.In cases where the contract is 200,000 yen, the minimum repayment amount in the calculation is 100,000 yen (borrowed balance) x 4..2 % (constant ratio) = 4200 yen.In addition, the fraction of less than 1,000 yen is rounded up, and the minimum repayment amount is 5,000 yen per month.

If you repay the minimum repayment every month, it will take two years to pay off and pay 19,772 yen.

Therefore, in this case, Acom will pay off eight months earlier, and the interest will be 6428 yen cheaper.

アコムのお申し込みはこちら

Changing the conditions further, "1 million yen (interest rate 15) with a limit of 2 million yen)..Let's simulate the repayment of "when you borrow 0 %).

	アイフル	アコム（一定の割合が2.0%の場合）
最低返済額	2万6000円	2万円
返済回数	53回（4年5ヵ月）	79回（6年7ヵ月）
総利息額	37万1152円	57万9052円

* Created from the repayment simulation of the official website.Aiful's simulation is a fixed -date system.Acom's simulation is repaid every 30 days from the borrowing date.Note that Acom's minimum repayment amount is calculated individually.* Please note that it is a guide only, and the actual repayment amount and interest are different.

The minimum repayment amount when the balance is 1 million yen immediately after borrowing is 26,000 yen per month.If you repay the minimum repayment every month, it will take 4 years and 5 months to pay for 371,153 yen.

On the other hand, if the ultimate contract (limit) in Acom is 2 million yen, the certain percentage is "3.0 % "" 2.5 % "" 2.0 % "" 1.Either "5 %" is applied.Certain ratio 2.Assuming 0 %, the minimum repayment amount is 1 million yen (borrowed balance) x 2..0 % (constant ratio) = 20,000 yen.

If you repay the minimum repayment every month, it will take 6 years and 7 months to pay off, and you will pay 579,052 yen.

Therefore, in this case, Aiful will pay off two years and two months earlier, and interest will be 2007,899 cheaper.

アイフルのお申し込みはこちら

In this way, depending on the relationship between the borrowing amount and the extreme amount, the AIFUL or ACOM is more advantageous.Let's simulate the repayment amount in advance, based on the amount you want.

AIFUL and ACOM can simulate repayment on the official website.Please use it.

For example, if early repayment is made, the repayment period is shorter, the total interest amount will be reduced.Therefore, if you have a repayment, you may not have to focus on the simulation results.

Recommended card loan ranking

アイフルのお申し込みはこちら

How do I choose a card loan company?

We recommend that you choose a card loan that suits you, with the characteristics of each company.One hand is to refer to the ranking.

There are many card loan companies besides Aifuru and Acom, so many people will be lost.Therefore, we will introduce the recommended card loan ranking that comprehensively judged the following elements.Please refer to it when choosing a card loan.

順位	カードローン	金利	借入限度額	融資までの時間	特徴
1位	アイフルのカードローン	キャッシングローン3.0 % to 18.0％ファーストプレミアム・カードローン3.0 % to 9.5％	800万円	最短30分	・初回利用で無利息期間30日・カードレスで契約可能・金利がお得な「ファーストプレミアム・カードローン」
2位	アコムのカードローン	3.0 % to 18.0％	800万円	即日	・初回利用で無利息期間30日・カードレスで契約可能・審査は最短30分
3位	三井住友カードのカードローン	ATM・口座振込両用タイプ：1.5％～15.0％口座振込専用タイプ：1.5％～14.4％	900万円	最短当日	・「初回振込みサービス」で最短当日融資・最大3ヵ月間利息無料キャンペーン（2022年5月末まで）
4位	レイクALSAのカードローン	4.5％～18.0％	500万円	最短60分	・無利息期間最長180日・カードレスで契約可能・最短15秒で審査完了
5位	プロミスのカードローン	4.5 % -17.8％	500万円	最短1時間	・2021年オリコン顧客満足度調査ノンバンクカードローン部門総合1位・初回利用で無利息期間30日・カードレスで契約可能
6位	楽天銀行のカードローン	1.9％～14.5％	800万円	数日かかる場合あり	・カードローンの入会・利用で楽天ポイントゲット・楽天会員ランクに応じて審査優遇・提携ATM手数料無料
7位	SMBCモビットのカードローン	3.0 % to 18.0％	800万円	最短即日	・利息の返済でTポイントが貯まる・使える・カードレスで契約可能
8位	J.SChildreのカードローン	0.8％～15.0％（みずほ銀行との情報連携で0.8％～13.5％）	1000万円	最短即日	・AIを活用したサービス提供・みずほ銀行口座との情報連携で金利優遇
9位	オリックス銀行のカードローン	1.7%～17.8％	800万円	‐	・ガン保障特約付きプラン「Bright」を提供・提携ATM手数料無料
10位	三菱UFJ銀行のカードローン「バンクイック」	1.8%～14.6%	500万円	最短翌営業日以降の9時～21時に審査結果を通知	・借入・返済ともに提携ATM利用手数料・時間外手数料が無料・三菱UFJ銀行の普通預金口座なしでも申込可能
11位	JCBのカードローン「FAITH」	4.4%～12.5%	500万円	最短3営業日	・契約可否を1秒で簡易シミュレーション・5万円までの融資は金利5％
12位	三井住友銀行のカードローン	1.5%～14.5％（住宅ローン利用で1.5%～8.0%）	800万円	最短翌営業日	・普通預金口座のキャッシュカードで借入可能・住宅ローン利用で金利優遇・提携ATM手数料無料
13位	みずほ銀行のカードローン	2.0％～14.0％（住宅ローン利用で1.5%～13.5％）	800万円	最短翌営業日以降に審査結果を通知	・普通預金口座のキャッシュカードで借入可能・住宅ローン利用で金利優遇
14位	au PAY スマートローン	2.9%～18.0％	100万円	最短即日	・借入金をau PAY残高にダイレクトチャージ可能・au PAYの利用でPontaポイントが貯まる・カードレスで契約可能
15位	カードレスVIP	1.7%～17.6%	800万円	平日14:30までの手続き完了で最短即日	・カード発行なし・会員優待サービスが充実・大口資金の入出金に便利
16位	auじぶん銀行のカードローン「じぶんローン」	1.48％～17.5％（au限定割誰でもコース：1.38％～17.4％、au限定割借り換えコース：0.98％～12.5％）	800万円	‐	・auユーザーは金利優遇あり・ATM手数料完全無料・最低返済額1000円
17位	イオン銀行のカードローン	3.8%～13.8%	800万円	‐	・イオン銀行ATMでの借入は終日手数料無料

* From the official website of each card loan.

Which do you choose Aiful or Acom?Thorough comparison with 10 items!

I don't know if you should choose Aiful or Acom.How do I decide?

First, clarify what you are particular about.Then, compare the commitment points and choose the more advantageous one.For example, if you want to borrow using ATMs, compare the number of ATMs and choose the larger one.Compare, etc.

AIFUL and Acom are both major consumer financial card loans.There is no big difference in the basic specifications, so if you look at the official website, you will be wondering which one to apply.

Therefore, the characteristics of Aiful and Acom's card loans are divided into 10 items, such as interest rates and limitations.There are only items you want to keep when choosing a card loan, so be sure to check it out.

When receiving a loan with a card loan, many people think that they do not want to be known to their boss, colleagues, and family.

The main causes of the use of card loans are known to the surroundings:

In AIFUL, there is no phone call for enrollment.On the other hand, Acom, in principle, confirms enrollment on the telephone at the time of contract.

For mail and cards, both AIFUL and Acom support cardless.If you have a cardless contract, you don't have to worry about the card being mailed.In addition, if you borrow and repay with a smartphone ATM, you do not need to carry a card, so you can use a card loan with confidence.

However, be aware that if the repayment is overdue, a reminder may be sent.

Consumer finance card loans have various considerations and ideas so that they can sign a contract so that they can not be known to the people around them.

From now on, we will compare the difficulties of using AIFUL and ACOM card loans in more detail.

The official website states that AIFUL does not contact your home or work at the time of application in principle.Therefore, it can be said that it is a relatively easy -to -apply card loan even for those who do not want to be known to the people around them.

アイフルのお申し込みはこちら

On the other hand, in ACOM, there is a phone call to confirm your enrollment in principle.

On the phone, it is not revealed that the card loan application was applied, and the enrollment was confirmed in a privacy -friendly manner.However, in a workplace where there are few opportunities to make a phone call from outside, you may need to be careful.

At the time of the contract, Acom is in principle confirming enrollment on the phone.However, if you want to avoid telephone contacts to your company, you can contact us in advance if you can omit your enrollment confirmation and consult.

Telephone contact is not always omitted, but it is worth trying.

アコムのお申し込みはこちら

In addition, there is a method of consulting if you can specify the time when you can make a phone call for enrollment, and during that time you are at your own seat and get a phone call quickly.

If you can't avoid your enrollment call, thinking about excuses for the people around you will increase the possibility of not being distrustful.For example, if you say, "It was a private phone from an old acquaintance," you will not be asked any more.

In AIFUL and Acom, you can use card loans without mail by holding down the following points.

アイフルとアコムの公式ホームページでも郵送物に関するQ&Aが記載されています。

アイフルのお申し込みはこちらアコムのお申し込みはこちら

Be careful when repayment is delayed, as there is a risk that no matter how much measures you take, there is a risk that mail will be sent to your home.

Basically, there is no company name for consumer finance in the mail, and it is sent in a form that is not known to the surroundings.Nevertheless, if you don't want your family to know, be careful not to overdo the procedures.

AIFUL and Acom have a 30 -day interest -free period only for those who use it for the first time.

会社名	無利息サービスの内容
アイフル	契約日の翌日から30日間（初めての方限定）
アコム	契約日の翌日から30日間（初めての方限定）

* From the AIFUL ACOM official website

The content of AIFUL and Acom's interest -free services is exactly the same, so there is no difference in either the interest -free service.

Lake ALSA is recommended if you value the extent of interest -free services.Lake ALSA allows you to choose a interest -free period.

* 1 If you have more than 2 million yen, you will have interest for 30 days.If you apply outside the web, you cannot choose interest -free for 60 days.* Normal interest rates are applied for more than 50,000 yen.* Normally, the interest rate is applied after the interest -free period.

If you choose a card loan with an emphasis on interest -free services, you should use Lake ALSA as a candidate.

レイクALSAのお申し込みはこちら

≪Lake ALSA Lending Conditions ≫ Loan limit 10,000 yen to 5 million yen Lending rate 4.5%to 18.0%Target Age Those who live in Japan under the age of 20 to 70 years old Those who have their own email address those who have acquired the permanent residence in Japan (annual rate) 20.0%Repayment method balance Slide Revolving/Primary interest rate Revolving period/Up to 5 years, required document driver driver's license * Income certificate (when the new bank finish is required according to the contract amount)No guarantor required * Trade name: Shinsei Financial Co., Ltd.

The ratio of interest to the borrowed amount.When using a card loan, you have to calculate the interest rate applied to the borrowed amount and calculate the interest and repay it in conjunction with the principal.The interest rate that affects the total repayment is a very important factor in choosing a card loan.

In card loans, the lowest interest rate applied is the lower interest rate and the highest interest rate is the upper limit rate.Applicable interest rates vary depending on the screening results, but in the first time, it is often advantageous to choose a card loan with a low maximum interest rate because it is often a contract with a maximum interest rate.

Interest rates are not determined by each company freely, but are set within the scope of the rules based on the law of the Interest Restriction Law.The lower interest rate and maximum interest rate between Aiful and Acom are as follows.

カードローン	金利
下限	上限
アイフル	3.0％	18.0％
アコム	3.0％	18.0％

* From the AIFUL ACOM official website

Both AIFUL and Acom card loans have 3 lower interest rates.0 %, maximum interest rate 18.It is exactly the same as 0 %.Therefore, there is no decisive difference between Aiful and Acom for interest rates.

The actual interest rate is determined by the examination based on multiple criteria, such as the stability of income, credit information, and attribute information.Also, the interest rate applied depends on the limit.

For example, the interest rate of Acom's extreme amount (limit) is as follows.

契約極度額	貸付利率（実質年率）
1万円～99万円	7.7％～18.0％
100万円～300万円	7.7％～15.0％
301万円～500万円	4.7％～7.7％
501万円～800万円	3.0％～4.7％

Source: Acom Official Homepageより

In addition, the annual contract annual rate (real annual rate) of Aiful can only be confirmed from the membership service.

The interest rate of the competing SMBC Mobit is also 3.0 % to 18.0 %.On the other hand, in Promise, 4.5 % -17.The upper limit interest rate is 8 %, slightly lower.

When using a card loan for the first time, the maximum interest rate is mostly applied.In the case of AIFUL and Acom, interest rates 18.Think of a contract at 0 %.

"Interest rate 3.0 % to 18.If there is a notation such as "0 %", it is expected that the lower interest rate will be applied, but in fact, the lower interest rate is rarely applied when used for the first time.Therefore, the point is to select card loans not the lower interest rate, but to pay attention to the maximum interest rate.

The interest rate of Aiful and Acom is 3.0 % to 18.0 %, for example, Promise interest rates are 4.5 % -17.8 %.Focusing on the lower interest rate, the interest rate of promise looks higher.However, if you compare the first time on the premise that the maximum interest rate is applied, you can see that promises are somewhat advantageous.

Consumer financial card loans have the image of "high interest rates", but if you have a short period of time, the effect on the repayment amount of interest rates is not so great.AIFUL and Acom have a 30 -day interest -free period when used for the first time, and if you repay within 30 days, there will be no interest.

For example, interest rate after the end of the interest period 17.Even if you rent 300,000 yen for 1 month with 8 % promise, interest rate is 18.Even if you borrow 300,000 yen for a month's 0 % Aifuru Acom for one month, the difference in interest is about several hundred yen.Of course, if you borrow it for a long time, the difference will increase, but if you borrow a short period of time, you can see that the effect of interest rates is small.

If you are assuming a short -term borrowing, such as "only one month", you may want to choose a card loan with emphasis on conditions other than interest rates.

The maximum amount of funds that can be borrowed with a card loan.There is an upper limit on the amount that can be borrowed with a card loan, and you can borrow freely within the limit.

The maximum amount of Aiful and Acom is as follows.

会社名	最大限度額
アイフル	800万円
アコム	800万円

* From the AIFUL ACOM official website

The maximum amount and the actual limit are different.Since the applicant's limit is determined individually in the screening, applying for borrowing with AIFUL or ACOM does not necessarily mean that you can borrow up to 8 million yen.

In addition, there is no such thing as "the higher the number of card loans with a maximum amount, the higher the limit."Let's keep it depends on the results of the examination.

The maximum amount of Aiful and Acom is 8 million yen, so there is no big difference if you choose either.Both can be borrowed from at least 10,000 yen.

However, 8 million yen is the maximum amount, and the actual limit is determined by the examination.In the first time, the limit of about tens of thousands to hundreds of thousands of yen may be applied, so it is rare that you can borrow up to 8 million yen.

By the way, Promise and Lake ALSA, which are other major card loans, set the maximum amount to 5 million yen.If you compare only the numbers, the limit is low, but if you are considering borrowing of tens of thousands to hundreds of thousands of yen, the maximum amount will not have a big impact on 8 million yen or 5 million yen.

When considering the limit of the card loan, you need to understand the total amount regulation.The total amount regulation is a system that regulates borrowing over 1/3 of the annual income.

For example, if the annual income is 9 million yen, the total borrowing amount is limited to 3 million yen.The same is true for using multiple card loans.

When using a card loan, you are wondering if you can pass the screening and how long the examination will be completed.Therefore, I summarized the latest screening rate of Aiful and Acom.

	アイフル	アコム
2021年11月	32.0%	44.3%
2021年10月	31.1%	41.5%
2021年9月	33.0%	41.9%
2021年8月	33.9%	42.6%
2021年7月	34.8%	41.5%
2021年6月	35.8%	42.4%
2021年5月	37.0%	42.6%
2021年4月	37.5%	41.2%
平均値	34.4%	42.3%

Source: Aiful IR / Corporate Information Site Financial Information Month Data, Acom Corporate Information Site Monthly Report

The average passing rate of Aiful from April to November 2021 is 34.4 %.On the other hand, the average pass rate for Acom during the same period is 42..It was 3 %.

It is a guide that about 34 out of 100 new applicants in Aiful and about 42 out of 100 in Acom can pass the examination.

アコムのお申し込みはこちら

Acom seems to have a high screening rate because it is often selected as the first card loan, such as "the first Acom".However, the passing rate varies depending on the time.Also, it is important to note that a high screening rate does not necessarily mean that the screening criteria are loose.

If you hear that the passage rate is 30 % to the 40 % range, you may be worried that you can pass the screening, but some new applicants have already borrowed a large amount of consumer finance.It also includes people and people registered in credit information agencies.

If you have a stable income and there is no problem with credit information, you may want to apply once.

The shortest examination time between Aiful and Acom is as follows.

	アイフル	アコム
審査時間（最短）	25分	30分

* From the AIFUL ACOM official website

There is almost no difference in the time it takes to judge, with AIFUL for 25 minutes and Acom for the shortest 30 minutes.However, it is important to note that this is the shortest screening time.

Whether you choose Aiful or Acom, some people may take a long time to judge.Let's consider the shortest screening time as a guide.

AIFUL has a tool that allows you to simply check whether or not you can make a loan, such as "1 second diagnosis" and "3 seconds diagnosis".If you don't decide whether to actually sign a contract, but want to check if you can get a loan first, try these tools before applying.

It is an unmanned store where the staff is not resident.The advantage is that you can use it without hesitation because there are no staff.

It is called "unmanned store" in Aiful, and in ACOM it is called "automatic contract machine (Mujin -kun)".Unmanned contract machines often have ATMs, so they can be used not only when applying for new applications but also for borrowing or repayment.

AIFUL ACOM's number of unmanned contract machines and business hours are as follows.

会社名	無人契約機数	営業時間
アイフル	834	9:00～21:00
アコム	902	9:00～21:00／年中無休(年末年始は除く)

Source: Aiful IR / Corporate Information Site Financial Information Financial Results Data Book, Acom Corporate Information Site Data Book, Aiful Acom Official Homepage

* The number of unmanned contract machines is as of September 2021 * Opening hours may be different for some stores.

If you use an unmanned contract machine, you will not have to worry about documents and cards will be sent to your home, as you will be completed from screening to card receipt on the spot.As of September 2021, the number of unmanned contract machines was 834 for AIFUL and 902 for Acom, slightly exceeding Aiful.

However, the difference in the number of unmanned contract machines is not so large.Therefore, it is a good idea to check if there is an unmanned contract machine in a place where you can easily access, such as a route that is easy to access, such as a route that is easy to access, such as a route that is easy to access, such as a route that is easy to access than the total number.

In addition, both AIFUL and Acom can apply for new applications, borrowing, and repayments from the Internet.If there is no unmanned contract machine nearby, you may want to do the procedure on the Internet.

The opening hours of AIFUL and Acom's unmanned contract machines are both 9:00 to 21:00, and are basically open on Saturdays and Sundays.However, some stores may have different business hours, so check the business hours of the nearest unmanned contract machine.

It is important to note that depending on the time you apply, the business hours may end while waiting for the examination.If you want to use a card loan immediately, we recommend that you apply with an unmanned contract machine early.

At Acom, if you apply and screening on the Internet etc. in advance, you can reduce the time required for the procedure with the unmanned contract machine.If you want to save time, you may want to apply in advance.

アコムのお申し込みはこちら

The AIFUL and Acom ACOM ATMs are as follows.

会社名	自社ATM数	提携ATM数
アイフル	441	8万4898
アコム	898	5万192

Source: Aiful IR / Corporate Information Site Financial Information Financial Information Data Book, Acom Corporate Information Site Data Book * As of September 2021

ACOM has more in -house ATMs, and affiliated ATMs are more Aiful.

Even if the total number of ATMs is large, it is meaningless if it is not around your home, so if you plan to borrow or repay using ATMs, check if there is an ATM in a place that is easy to access.prize.

In addition, both AIFUL and Acom's own ATMs can be used for free, but the affiliated ATMs require a commission.

Aiful's partner ATM list

借入・返済が可能な提携先	・セブン銀行・ローソン銀行・イオン銀行・三菱UFJ銀行・西日本シティ銀行・E-net（イーネット）・十八親和銀行
借入が可能な提携先	・福岡銀行・熊本銀行
返済が可能な提携先	ファミリーマート Famiポート（2022年3月末まで）

* From the official website of Aiful

Acom's partner ATM list

借入・返済が可能な提携先	・三菱UFJ銀行・セブン銀行・E-net（イーネット）・ローソン銀行・イオン銀行・北海道銀行・北陸銀行・東京スター銀行・三十三銀行・広島銀行・西日本シティ銀行・福岡銀行・十八親和銀行・熊本銀行・クレディセゾン
借入が可能な提携先	・八十二銀行

* From Acom's official website

AIFUL and ACOM each supports the following borrowing methods.

アイフル	・インターネットから申し込み、口座に振込・電話で申し込み、口座に振込・カードを利用して自社ATM・提携ATMから現金を借入・スマホアプリを利用してセブン銀行ATM・ローソン銀行ATMから現金を借入
アコム	・インターネットから申し込み、口座に振込・電話で申し込み、口座に振込・カードを利用して自社ATM・提携ATMから現金を借入・店頭窓口等で借入

* From the AIFUL ACOM official website

Let's compare the convenience of borrowing AIFUL and Acom in order.

Both AIFUL and ACOM support borrowing and repayment with cardless cardless using smartphone ATMs.

The available financial institutions are as follows.

アイフル	・セブン銀行・ローソン銀行
アコム	・セブン銀行

* From the AIFUL ACOM official website

Aiful is also compatible with Lawson Bank, so it can be said that there are more options than Acom.

アイフルのお申し込みはこちら

On the other hand, Acom has the advantage of free commission.

アイフル	１万円以下の場合…110 円１万円超の場合…220 円
アコム	手数料無料

* From the AIFUL ACOM official website

Transactions using a smartphone ATM with AIFUL are charged every time.If you want to keep your commissions down, it is recommended that you apply from the Internet or telephone and get a loan by bank transfer.

If you use a smartphone ATM, you need to download the smartphone app in advance.You can proceed with transactions by reading the QR code displayed in the app at the Seven Bank or Lawson Bank ATM.

If you don't want someone to see a consumer finance card, or to issue a card, use a card loan in cardless.

If you want to use a card loan mainly for borrowing at ATM, the convenience is higher for Acom.As of September 2021, Acom has set 898 ATMs nationwide, more than twice as much as Aiful.

In addition, the business hours of AIFUL's own ATM are basically from 7:00 to 23:00, but Acom's own ATM is open 24 hours a day.

If you use your own ATM, there is no fee for borrowing.

If your ATM is not nearby, you can use a partner ATM.However, in that case, a prescribed fee will be charged each time you use it.

If you want to borrow ATMs, or if you want to use your own ATM if possible, check if there is an ATM nearby and consider using ACOM.

アコムのお申し込みはこちら

When using a card loan, the ease of repayment is also an important point.

	アイフル	アコム
最低返済額	約定日制：4000円～サイクル制：5000円～	1000円～
返済期間	約定日制：自身が指定した約定日を含む11日間※1	毎月払い：自身が希望した指定日
	サイクル制：前回支払日の翌日から35日間	35日ごと：前回支払日の翌日から35日間
口座振替日	郵送で手続きした場合：毎月6日・23日・27日のうちいずれかを選択※2WEBから手続きした場合；毎月3日・26日・27日・28日のうちいずれかを選択※2	毎月6日※2

* From the AIFUL ACOM official website※1　約定日が土日祝と重なる場合は、直後の平日まで返済期日を延長可能※2　口座振替日と金融機関の休業日が重なる場合は、翌営業日が口座振替日になります

Next, let's compare the ease of repayment of Aiful and Acom from the minimum repayment, repayment period, and account transfer date.

Aiful and Acom have different calculation methods for the minimum repayment.

In the case of AIFUL, the minimum repayment amount fluctuates as follows depending on the balance immediately after borrowing.

借入直後残高	最低返済額（約定日制）	最低返済額（サイクル制）
1円～100万円	4000円	5000円
10万円超～20万円	8000円	9000円
20万円超～40万円	1万1000円	1万3000円
40万円超～50万円	1万3000円	1万3000円
50万円超～60万円	1万6000円	1万5000円
60万円超～70万円	1万8000円	2万1000円
70万円超～80万円	2万1000円	2万4000円
80万円超～90万円	2万3000円	2万7000円
90万円超～100万円	2万6000円	3万円
100万円超～300万円	10万円ごとに1000円ずつ加算	10万円ごとに1000円ずつ加算
300万円超～310万円	4万7000円	5万1000円
310万円超～490万円	10万円ごとに1000円ずつ加算	10万円ごとに1000円ずつ加算
490万円超～500万円	6万6000円	7万円
500万円超～790万円	10万円ごとに1000円ずつ加算	10万円ごとに1000円ずつ加算
790万円超～800万円	9万6000円	10万円

Source: Aiful official websiteより

On the other hand, in ACOM, the minimum repayment is fluctuated due to the amount of contract (upper limit) and the borrowing balance.Acom's minimum repayment is required in the following formula.

Minimum repayment amount = borrowing balance x constant percentage

The "constant percentage" is determined as follows according to the amount of the contract.If a fraction of less than 1,000 yen appears in the calculation result, it will be cut up and paid in a thousand yen units.

契約極度額	一定の割合
30万円以下の場合	借入金額の4.2％以上
30万円超100万円以下の場合	借入金額の3.0％以上
100万円超の場合	借入金額の3.0％以上借入金額の2.5％以上借入金額の2.0％以上借入金額の1.5％以上

Source: Acom Official Homepageより

Acom's minimum repayment is 1000 yen, but the minimum repayment amount of 1000 yen is not necessarily applied.The minimum repayment amount is 5,000 yen when the contract is less than 300,000 yen and 100,000 yen is higher than the Aiful's contract date system.

Since the minimum repayment amount varies greatly depending on the borrowing balance and the extreme amount, it is important to compare it after assuming "how much you want to borrow".

Aiful and Acom can select the repayment method from the "contracted date system" and "cycle system".In Acom, the name is "monthly payment" and "every 35 days", but it can be considered the same mechanism.

The contracted date system is a method of repayment once a month to the "contract designated by the user".In the case of Aiful, 11 days including the contract date is the repayment period.

The cycle system is a method of repaying every period of time, and the period is 35 days for AIFUL and ACOM.If the repayment date is not passed, the advantage is that you can repay at any time without any restrictions.

Aiful and Acom have a small difference in the repayment period of the contracted date system, but there is no big difference in the repayment method.

If you use an account transfer, you will automatically repay from the designated account without having to deposit on the repayment date.Aiful and Acom's account transfer date is as follows.

In AIFUL, the dates of the account change depending on the method of the account transfer procedure.If you proceed from the web, you can choose from 3rd, 26th, 27th, and 28th of every month, but options vary depending on the desired financial institution.

If both AIFUL and ACOM have an account transfer date and the holidays of financial institutions overlap, the next business day will be the account transfer date.

AIFUL offers a "female operator dial" and "Sulali for women" as women's services.On the other hand, Acom has no services specializing in women.

Aiful is better from the viewpoint of enhancement of women's services.

会社名	アイフル	アコム
女性オペレーター専門ダイヤル	〇	×
女性向けカードローン	〇	×

* From the AIFUL ACOM official website

Let's take a closer look at each service.

Aiful has a female operator dial (0120-201-884 / reception hours 9: 00-18: 00).Since all the calls receive the phone, if you say, "It is safer to consult a female operator or ask questions," please consider applying.

However, major consumer finance, including AIFUL and Acom, can also be applied on the web or unmanned contract machine.In addition, various methods such as chat and email are prepared.Keep in mind that procedures and inquiries are possible by other methods other than telephone.

アイフルのお申し込みはこちら

Aiful handles a card loan for women called "SULALI".Let's compare the specifications of Aiful's "cashing loan" and "SULALI".

	キャッシングローン	SuLaLi
金利	3.0 % to 18.0％	18.0％
上限額	800万円	10万円
最低返済額	4000円～	4000円～
無利息期間	契約日の翌日から30日間（初めての方限定）	契約日の翌日から30日間（初めての方限定）
貸付対象者	満20歳以上69歳までの方定期的な収入と返済能力を有する方で、当社基準を満たす方	女性満20歳以上の方定期的な収入と返済能力を有する方で、当社基準を満たす方
在籍確認	原則なし	原則なし
担保・保証人	不要	不要
カードデザイン	1種類	2種類

* From the official website of Aiful

The advantage of "SULALI" is that you can choose from two types of feminine design cards, and the "SULALI" dialed dial is installed.

It is important to note that the maximum borrowing amount is set to 100,000 yen.If you want to get a loan of 100,000 yen or more, you need to contact the dedicated dial and receive an increase in the increase.Interest rates are uniform.At 0 %, there is not much value.

If you may borrow more than 100,000 yen, consider applying for a cashing loan for women.

アイフルのお申し込みはこちら

Do you want to apply for two companies when you get lost?

Is it OK to apply for Aiful and Acom at the same time?

You can apply for two companies at the same time, but there are advantages and disadvantages.Let's check the disadvantages in particular.

So far, we have compared AIFUL and ACOM card loans from various perspectives.Aiful and Acom have different characteristics, so some people may say, "I can't decide which one to choose."

If you get lost, you can apply for two card loans at the same time.There are advantages, but there are several disadvantages.

So, let's take a look at the advantages and disadvantages of using two card loans.

By using the two card loans together, the following benefits can be obtained.

The major advantage of using two card loans is that the total borrowing limit is more than focusing on only one company.

For example, if you have already used up the borrowing limit of one company and need more money, there is a way to apply for an increase in the limit with the same card loan.

However, there is a screening to increase the amount, and it is not always hope that it will pass.On the other hand, if you apply for another card loan with a small amount of loan, you may be able to borrow as desired.

Another advantage is that comparing the interest rates after passing the screening and borrowing more advantageously.Just because you pass the examination does not mean you have to borrow.It is also possible to apply for two companies and use only those with good conditions.

Applying to the two companies at the same time will increase the chances of passing the screening.Since each card loan is judged based on its own standards, even if one company falls, there is a possibility that you can pass the other company to receive a loan.

If you use two card loans together, there are the following disadvantages.

It is especially important to note that the card loan application history remains in credit information.If you apply for a card loan, each company will access the credit bureau and check the usage and repayment status of the applicant's card loans and credit cards.

If you have borrowing from other companies or a number of card loans for many card loans, you may be able to judge.

It is also a disadvantage that using two card loans together makes it difficult to manage the date and repayment amount.If the repayment date and repayment amount are complicated, it will inadvertently forget the payment on the repayment date and it will be more likely to be delinquent.

Also, keep in mind that borrowing with one company is easier to lower interest rates rather than borrowing a small amount of card loans of two companies.

Which one is more suitable, AIFUL or Acom, depends on the person.Choose a card loan that suits you, taking into account the purpose of using a card loan and the amount you want to borrow.

Frequently Asked Questions about Aiful and Acom and card loans

Finally, I will introduce frequently asked questions and answers about the characteristics and differences of AIFUL and Acom card loans.

If you get lost between Aiful and Acom, compare the two companies and choose the one that suits you.

Aiful and Acom, which are popular card loans, do not have a big difference in basic specifications such as interest rates and limits, but there are various differences when comparing each characteristics.

If you emphasize the presence or absence of women's services and the difficulty of the people around you, Aifuru is better.On the other hand, if you value the convenience of borrowing and repayment, it is recommended to use unmanned contract machines and Acom, which has many in -house ATMs.

関連記事
・「お金がない」というピンチを乗り切るための７つのポイント・【プロミスとSMBCモビット】2社のカードローンサービスを比較・解説・プロミスを利用するメリットは？口コミや評判からその特徴を徹底解説・少額融資を受けるにはどうすればいい？おすすめのアプリやサービスを解説・消費者金融でお金を借りるには？おすすめのサービスと特徴も解説

facebooktwitterはてなブックマークLINE

[Disclosure of advertisers]

Copyright © Zuu Co., LTD.All Rights Reserved.