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SMBCコンシューマーファイナンス株式会社

About this app

Get app loans and borrowing with Promise! [Promise's official app]
Installation is free, and both first-time applicants and existing customers can use the app.
Borrowing is available 24 hours a day, 365 days a year.

■No card required! Cash advances and repayments via the app!
Use the app at Seven Bank and Lawson Bank ATMs to enjoy our "Smartphone ATM" service, which allows you to make deposits and withdrawals without a card.

■Convenient cash advances with "App Loans"!
App Loans is a Promise service that allows you to apply for and borrow money, and even complete all post-contract transactions, all on your smartphone, even when you need money suddenly. You can apply, borrow, and repay without visiting a branch, exchanging mail, or even without a card.

■Recommended points of the Promise app!
1: Earn V Points with your first contract, logging in to the Promise app, and making monthly repayments!
*Application via the app is required.
2: You can apply for an increase (change in credit limit) through the app.
3: Borrow without a card! You can withdraw money from Seven Bank ATMs and Lawson Bank ATMs from the day you sign up, without needing a card. Smartphone ATMs are also easy with the app!

◇For first-time customers◇
Leave your cash advances and card loans to the Promise app! From application to review and loan approval, it takes as little as 3 minutes! From application to loan review and contract, you can complete the entire process using the app or your smartphone. After signing up, you can choose how to borrow money with Promise's cash advances and card loans.
Borrowing Method 1: With the app, you can withdraw money from Seven Bank ATMs and Lawson Bank ATMs without a card.
Borrowing Method 2: Promise can also provide loans by transferring funds to your bank account.
Borrowing Method 3: You can also issue a Promise Card using the app or your smartphone. With a Promise Card, you can borrow money from Promise ATMs and affiliated ATMs nationwide.

◇Existing Customers◇
Existing card loan customers can also conveniently use the app! The Promise app incorporates Seven Bank and Lawson Bank's smartphone ATM transaction services, allowing cardless ATM transactions. If you need money quickly but don't have your card with you, or your bank transfer cash advance time has passed, simply install the app and you can borrow money the same day!

■Features
[New Application Function]
・Application
・Submit ID and Proof of Income Documents

[Borrowing Function]
・Smartphone ATM
Unlike previous card loans, you can withdraw and deposit funds cardlessly at Seven Bank and Lawson Bank ATMs.
・Internet Transfer
You can transfer money to your bank account via cash advances from the app.

[Repayment Function]
・Internet Repayment
You can repay Promise from your bank account.
・Point Repayment
By completing the procedure through the Promise app, you can use your points to repay your Promise loan.
*Repayments using points can be processed through the "Internet Repayment" option in the Promise app.

[Apply for a Balance Increase (Limit Change)]
You can apply for a balance increase (limit change) from the app.

[How to Submit Proof of Income]
- You can submit income information using your My Number Card.
*The My Number Portal app is required.
- You can take a photo of your proof of income and submit it.
- You can select an image file of your proof of income stored on your smartphone and submit it.

[LINE Chat Service]
By linking your LINE account from the app, you can inquire about your "usage information" and "contract details" via the LINE chat service.

[Apply for a Promise Visa Card]
From the app, you can apply for a card with no annual fee that can be used for not only Promise borrowing but also Visa credit card purchases.

■Other App Features
[Smooth Login]
You can save your login ID and card number required for login in the app, eliminating the need to enter them every time.
You can also sign up for the biometric authentication service in advance and log in using only your biometric information (fingerprint, face, or voice).

[Check Your Usage Information]
Check your loan balance, repayment due date, repayment amount, available balance, and more at a glance.

You can also check other usage information such as interest and loan rates.

[Store/ATM Search]
Use GPS to find nearby stores and ATMs.

[Repayment Simulation]
Enter your repayment period, repayment amount, and desired loan amount to simulate your repayment plan.

*******Terms of Use and Notes*******
[Supported OS]
Android 9 or later
Please note that some device-specific issues and environment may affect operation. Operation on tablet devices is not guaranteed.

[Notes on Using the "Smartphone ATM" Service]
- To use the service, install the official Promise app.
- This service is unavailable during Seven Bank and Lawson Bank ATM downtimes and during system maintenance periods. (Regular maintenance is performed every Monday from midnight to 7:00. Service will be suspended all day on New Year's Day.)
- Operating hours for Seven Bank ATMs and Lawson Bank ATMs vary depending on the store's opening hours.
- Smartphone authentication via SMS (Short Message Service) is required.

■ Promise is recommended for the following people!
- I need money urgently, so I'm looking for an app that allows me to borrow money from my smartphone.
- I want a card loan app that allows me to borrow money quickly when I don't have time to deposit money into my debit card account.
- I want an ATM search function to find nearby ATMs that offer loans.
- I want a loan app that allows me to change my loan limit from my smartphone.
- I want to use cash advances from my smartphone.
- I want a loan app that allows me to transfer money to my financial institution account without a card.
- I want a loan app that allows me to borrow money in preparation for unexpected expenses.
- I want a card loan app that allows me to check loan repayment fees and interest, and also searches for ATMs.
- I don't carry my cash card, so I want to borrow money quickly through an app loan.
- I'm looking for a loan app that allows me to apply for a loan even at night.
- I want to use an app to transfer money using my debit card. I want to avoid the hassle of transferring cash to my credit card account.
- I want to borrow with Promise's app loan in an emergency when I don't have my credit card or cash card with me.
- I want to use a loan app that allows me to apply for a loan at any time.
- When borrowing money with a card loan, I want to use a consumer finance company affiliated with a major financial institution group.
- I'm interested in Promise's app loan after hearing about it on TV.
- I want to use both a deferred payment app and a consumer finance company's card loan app.
- I want to get cash advances with a convenient app loan.
- I'm looking for a card loan app that allows me to borrow without going to a bank or ATM.
- I want to manage my financial loan repayments securely on my smartphone.
- I want to use a cardless, easy-to-manage loan service like deferred payment or a virtual card.
- I want to use an app loan for living expenses in addition to my bank loan.
- From application to financing. I want to use a consumer finance app that's fast and easy to use.
- I'm interested in Promise's app loans and card loans.
- I want to be able to borrow money from my smartphone when I need cash.
- I'm looking for a consumer finance app that lets me borrow money at convenience stores.
- I want to apply for an app loan without having to visit a branch.
- I'm looking for a loan app that lets me withdraw money at a nearby Lawson Bank or Seven Bank ATM.
- I want to use both a virtual card and a card loan.
- I want to use a card loan with revolving payments and have a solid repayment plan.
- I want to apply for a loan review using an app that offers free review.
- I want to use a deferred payment app for everyday use and a card loan app for larger expenses.
- I want a loan app that lets me complete the review process on my smartphone.

For cash advances, trust Promise, the consumer finance company!

■ How to Use
・Interest Rate: 2.5%–18.0% (effective annual rate)
・Loan Amount: 1 yen–8 million yen
・Repayment Method: Balance-adjusted fixed principal and interest repayments
・Repayment Period and Number of Repayments:
After the last loan, the shortest period is the same day, and the longest period is 6 years and 9 months (1–80 payments). Please note that this is not a financial product that requires full repayment within 60 days.
Late Interest Rate: 20.0% (Effective Annual Rate)
Collateral/Guarantor: Not Required
Representative Total Costs for a Card Loan
Loan Amount: 500,000 yen
Effective Annual Rate: 18.0%
Repayments: 58
Total Repayments: 751,057 yen
Privacy Policy
https://cyber.promise.co.jp/APB01X/APB01X03

Company Name: SMBC Consumer Finance Co., Ltd.
Telephone: [phone] (Main)
Registration Number: Kanto Regional Financial Bureau (14) No. 00615
Japan Financial Association Member No. 000001
Repayment Simulation: https://cyber.promise.co.jp/BPB01X/BPB01X03

What’s new

・フリーキャッシング商品の借入利率、ご融資上限額の変更を行いました。