[d smartphone loan]
~ Loans at DoCoMo! "d smartphone loan" ~
d smartphone loan is a smartphone-based loan service provided by DoCoMo
You can apply with your usual d ACCOUNT, and a preferential interest rate of up to 3.0% per annum will be applied according to the usage status of services provided by DOCOMO, such as d CARD and eligible docomo line contracts (*1)
You can also borrow to your d payment balance, so you can conveniently use it with your usual d payment (*2)
*1 Preferential interest rates are applied according to DOCOMO's prescribed conditions for those who meet DOCOMO's prescribed conditions. For details, please refer to the terms of use or the service site.
*2 To use the d payment balance, you must download the d payment application, register for the d payment balance, and verify your identity. (Only available to those whose d payment balance type is "cash value".)
[Apply and contract after completing the application]
・ You can apply by logging in to your d account on the app and entering the required information.
・Since you can take and upload your identity verification documents with the app, there is no need for troublesome mailing procedures.
・After completing the examination, please complete the contract procedures such as registering a financial institution account on the app.
*The contract will be reviewed.
[Selectable borrowing method]
・You can choose from two borrowing methods, borrowing to your d payment balance and borrowing to a financial institution account, each time you borrow (*3).
*3 Not available from 23:55 to 0:05 every day and during temporary system maintenance.
Borrowing to d payment balance
・You can receive the loan amount immediately at any time, in units of 1,000 yen to 1,000 yen.
■ Borrowing to a financial institution account
・Borrowing applications can be made 24 hours a day, 365 days a year in units of 1,000 yen from 10,000 yen
・Transfer to a financial institution account in as little as 10 seconds (*4)
*4 The timing of the transfer will differ depending on the financial institution you use.
[Additional repayments at your convenience]
・In addition to monthly automatic withdrawals (account transfers) from your registered financial institution account, additional repayments can be made at your convenience.
・The method of additional repayment can be selected from additional repayment from the d payment balance or transfer to a designated account (*5)
*5 Even if you make additional repayments, automatic withdrawals (account transfers) will be made.
Additional repayment from d payment balance
・ Customers with a d payment balance can make additional payments from the d payment balance at any time (* 6)
・There is an upper limit to the amount that can be additionally repaid from the d payment balance.
*6 Not available from 23:55 to 00:05 every day and during temporary system maintenance.
■ Transfer to designated account
・Additional repayments can be made at any time by transferring to a designated account
・The transfer fee will be borne by the customer.
[Easy to grasp usage information]
・ You can check usage information such as monthly withdrawal date, withdrawal amount, borrowing balance at any time.
[About use]
・Loan interest rate
Base interest rate: 3.9% to 17.9% (actual annual rate)
Interest rate after application of preferential treatment: 0.9% to 17.9% (actual annual rate)
・Repayment period and number of repayments
After the final borrowing, as early as the day, as a general rule, as long as 8 years and 1 month (1 to 96 times)
・Repayment method
Balance sliding principal and interest fixed amount revolving method
・Delayed loss interest rate
20.0% (actual annual rate)
・Collateral/Guarantor
unnecessary
・Representative example of total loan cost
Amount borrowed: 10,000 yen
Real annual rate: 17.9%
Total scheduled repayment: 10,883 yen
Number of repayments: 11 times
Repayment period: 11 months
・Privacy Policy
https://loan.docomo.ne.jp/app_detail.html
NTT DOCOMO, INC.
Registration number Kanto Local Finance Bureau Director (6) No. 01421
