What is Shinsei Bank Card Loan L official app "Shinsei Bank L"?
"Shinsei Bank L" is the official app provided by Shinsei Bank Card Loan L.
It is a portal application that can support everything from borrowing to membership services.
From your smartphone, you can easily access various services for smartphones of Shinsei Bank Card Loan L, as well as log in to the member page with one touch.
●Introduction of convenient application functions
(1) Biometric login
By linking with the fingerprint authentication function, you can easily log in with the usual operations! You don't have to worry about entering your membership number or PIN, and you can use membership services at any time even if you don't have your card with you.
(2) Membership service
You can easily check the information you want to check at any time, such as the amount you can borrow, the next repayment amount, and the next repayment date, in addition to checking how much your credit limit can be increased.
Of course, you can also use the app for the services you always use, such as the same-day transfer service and web repayment service!
(3) Income certificate submission function
With the app, you can use your smartphone's camera function to submit the documents required to apply for a credit limit increase.
You can easily submit your income proof documents by following the instructions on the screen.
(4) “Store/ATM search” function
You can use GPS to search for nearby Lake stores/ATMs.
(5) Repayment simulation
You can check the monthly repayment amount and the number of repayments, so you can make a plan that suits you.
You can also check the simulation results from borrowing to full repayment.
(6) Push notification function
We will notify you of the repayment date, nearby store information, campaign information, etc. by push notification.
*Connection may not be possible depending on the combination of terminal and OS.
*Tablets are not recommended.
●Customers who made a contract by September 30, 2011
It will be handled by Shinsei Financial Co., Ltd. Please use Shinsei Financial's app "e-Alsa".
●We do not accept inquiries by e-mail.
Please contact us at 0120-09-09-24 (reception hours: 9:00 to 18:00 on weekdays).
● Product overview
・Loan interest rate (actual annual rate)
4.5% to 18.0%
・Repayment period ・Number of repayments
From the last borrowing date, the shortest day, the longest 5 years
1 to 60 times
* Due to free repayment, the repayment period and number of times will vary depending on the borrowing and repayment plan.
It is not a financial product requiring full repayment within 60 days.
・Typical example of card loan total cost
Loan interest rate: 18.0%
Loan (borrowed) amount: 100,000 yen
Repayment method: balance slide revolving method
Example of repayment
Each repayment amount: 10,000 yen
Number of repayments: 11 times
Total repayment: 109,018 yen
* 1 month is 30 days, and interest is calculated on a daily basis over 365 days a year.
* Due to additional borrowing or repayments exceeding the minimum repayment amount, the repayment period, total repayment amount, etc. may differ from the above.
*The interest-free period is not considered.
Check the terms of the loan and be careful not to borrow too much.
The contract is subject to a prescribed review.