SBI新生銀行カードローン エル「SBI新生銀行 L」 12.3.0.0

The SBI Shinsei Bank Card Loan L Official App, titled "SBI Shinsei Bank L," serves as the official digital platform provided by the bank for users of the SBI Shinsei Bank Card Loan L product. This application functions as a comprehensive portal, supporting users from loan management to various member services.

Through this app, users can easily access their member pages via their smartphones. It offers one-touch access to a range of mobile services tailored for the card loan, facilitating efficient management and convenience.

Key features of the app include:

• Member Services: Users can check their current credit limit, review available borrowing amounts, upcoming repayment amounts, and due dates at any time. The app also enables transactions such as same-day fund transfers and online repayments, providing seamless management of financial activities.
• Income Document Submission: The app allows users to submit necessary income verification documents using the smartphone’s camera, following simple on-screen instructions—streamlining the process for credit limit increases.
• Store and ATM Locator: Utilizing GPS technology, the app facilitates locating nearby branch offices and partner ATMs for convenience.
• Repayment Simulation: Users can simulate monthly repayment amounts and schedules, enabling personalized financial planning. Additionally, they can view total repayment estimates from initial borrowing through full repayment.
• Push Notifications: Important alerts such as repayment reminders, nearby store information, and promotional campaigns are delivered via push notifications for timely updates.

Recommended device specifications include Android 12 or higher. It is important to note that the app cannot be installed on devices with Android versions below 10, and tablets are generally not supported.

For clients who entered into agreements before September 30, 2011, service is managed by Shinsei Financial Co., Ltd., utilizing its dedicated "Lake App."

Customer inquiries via email are not accepted; please contact customer service at 0120-09-09-24 during weekdays from 9:00 AM to 6:00 PM for assistance.

Product overview includes:

• Loan Annual Percentage Rate (APR): 4.5% to 18.0%
• Repayment Terms and Frequency: From as short as same-day borrowing to a maximum of five years, with repayment options ranging from 1 to 60 installments. Since repayments are flexible, durations may vary based on individual plans.
• Representative Example of Total Loan Cost:

• Principal Amount: ¥100,000
• Interest Rate: 18.0%
• Repayment Method: Residual balance revolving with sliding scale
• Monthly Repayment: ¥10,000
• Total Payments: ¥109,018 over 11 installments

Please be aware that full repayment within 60 days is not mandated. Calculations are based on a 30-day month and 365 days per year for interest accrual. Variations may occur due to additional borrowings or differing repayment strategies.

The privacy policy can be reviewed at: https://www.shinseibank.com/corporate/privacy_policy/.

Careful review of lending conditions is advised to prevent overborrowing. The establishment of a contract is subject to standard credit screening procedures.