dスマホローン　ドコモのアプリローンでキャッシング・お借入れ

d Smartphone Loan is a smartphone loan service provided by Docomo. From application to borrowing and repayment, everything can be done through the app. Even those who do not have a Docomo line contract can apply.

[d Smartphone Loan]

~Loans with Docomo! "d Smartphone Loan"~
■d Smartphone Loan is a smartphone-based loan service provided by Docomo (*1)
*1 From July 1, 2026 (Wednesday), the operating company will change from NTT Docomo, Inc. to NTT Docomo Financial Group, Inc.

■You can apply using your usual d account, and a preferential interest rate of up to 3.0% per annum will be applied depending on your usage of Docomo services such as d card and eligible Docomo line contracts (*2)
■You can also borrow using your d payment balance, so you can conveniently use it with your usual d payment (*3)
*2 Preferential interest rates will be applied according to the specified conditions for those who meet the specified conditions. Please refer to the terms of service or service website for details.
*3 To use your d payment balance, you will need to download the d payment app, register your d payment balance, and complete identity verification. (Available only to users with a d-payment balance of "Cash Value".)

【Apply and Contract Completely via App】
- You can apply by logging into your d-account on the app and entering the required information.
- You can also take photos of and upload identification documents via the app, eliminating the need for troublesome postal procedures.
- After the review is complete, please complete the contract procedures, such as registering your financial institution account, on the app.
* A review is required for contract.


[Selectable Borrowing Methods]
- You can choose between two borrowing methods each time you borrow: borrowing to your d-payment balance or borrowing to your financial institution account (*3)
*3 Not available daily from 23:55 to 0:05 and during temporary system maintenance.

■ Borrowing to your d-payment balance
- You can receive the borrowed amount instantly at any time, in increments of 1,000 yen, starting from 1,000 yen.

■ Borrowing to your financial institution account
- You can apply for a loan 24 hours a day, 365 days a year, in increments of 1,000 yen, starting from 10,000 yen.
- Transfers to your financial institution account are completed in as little as 10 seconds (*4)
*4 The timing of the transfer varies depending on your financial institution.

[Additional Repayments Anytime to Suit Your Needs]
- In addition to the monthly automatic withdrawal (account transfer) from your registered financial institution account, you can make additional repayments at your convenience.
- You can choose to make additional repayments from your d-payment balance or by bank transfer to a designated account (*5).
*5 Even if you make an additional repayment, the automatic withdrawal (account transfer) will still be performed.

■ Additional Repayments from Your d-payment Balance
- Customers using their d-payment balance can make additional repayments from their d-payment balance at any time (*6).
- There is a limit to the amount of additional repayments that can be made from your d-payment balance.
*6 The service is unavailable daily from 23:55 to 00:05 and during any unscheduled system maintenance.

■Bank Transfer to Designated Account
・Additional repayments can be made at any time by bank transfer to the designated account.
・Bank transfer fees are the responsibility of the customer.

【Easy to Keep Track of Your Usage Information】
・You can check your usage information, such as the monthly withdrawal date, withdrawal amount, and outstanding loan balance, at any time.

【About Usage】
・Loan Interest Rate
　　　　Standard Interest Rate: 3.9% to 17.9% (Effective Annual Rate)
　　　　Interest Rate After Preferential Treatment: 0.9% to 17.9% (Effective Annual Rate)
・Repayment Period and Repayment Number of Repayments
　　　Minimum repayment date: same day after final borrowing, maximum repayment period: 8 years and 1 month (1 to 96 installments)
・Repayment Method
　　Balance-based fixed principal and interest revolving repayment method
・Late Payment Penalty Interest Rate
　20.0% (effective annual rate)
・Collateral/Guarantor
　Not required
・Typical Example of Total Loan Costs
　　　　Loan Amount: 10,000 yen
　　　　Effective Annual Rate: 17.9%
　　　　Total Amount to be Repaid: 10,883 yen
　　　　Number of Repayments: 11 installments
　　　　Repayment Period: 11 months

・About Privacy Policy
　　　https://loan.docomo.ne.jp/app_detail.html