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Promise's official app [No card required! Cash advances via the app] Borrowing is available 24 hours a day, 365 days a year. You can also borrow at your local convenience store.

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 are a Promise service that allows you to apply for, borrow, and complete all post-contract transactions 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 (limit change) via the app.
3: Borrow without a card! You can withdraw funds 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 financing, it takes as little as three 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 funds from Seven Bank ATMs and Lawson Bank ATMs without a card.
Borrowing Method 2: You can also borrow funds from Promise 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 funds at Promise ATMs and affiliated ATMs nationwide.
Borrowing Method 4: You can transfer funds directly to PayPay Money from the app.

◇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
Transfer money to your bank account via cash advance from the app.
・Charge PayPay Money
Transfer money directly to PayPay Money.

[Repayment Function]
・Internet Repayment
Repay to Promise from your bank account.
・Repayment with Points
You can use your points to repay your loan by completing the process through the Promise app.
*You can complete the process for repayment with points through the "Internet Repayment" option in the Promise app.

[Application for Increase (Credit Limit Change)]
You can apply for an increase (credit limit change) through the Promise app.

[How to Submit Proof of Income]
・Submit your 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, you can inquire about your "usage information" and "contract details" through the LINE chat service.

[Application for a Promise Visa Card]
In addition to borrowing with Promise, you can apply for a credit card with no annual fee that can also be used for shopping.

■Other App Features
[Smooth Login]
You can save your login ID and card number in the app, eliminating the need to enter them each time you log in.
In addition, by using the biometric authentication service, you can log in using only your biometric information (fingerprint, face, or voice).

[Check Usage Information]
Check your loan balance, repayment due date, repayment amount, and available balance at a glance.
You can also check interest and loan rates.

*******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, 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 business hours.
- Smartphone device authentication via SMS (Short Message Service) is required.
- To use a smartphone ATM, you will need to register your mobile phone number and complete phone authentication procedures.

■ Promise is recommended for these people!
- I'm interested in Promise's app loans among lending apps.
- I'm looking for a cash advance app that allows me to borrow money immediately.
- I want to apply for Promise's app loan.
- I want to use a card loan app with a loan application process that takes as little as three minutes.
- I want a loan app that allows me to transfer money to my financial institution account without a card.
- I want to have a loan app from a financial institution in addition to my deferred payment app.
- I want to borrow money from a consumer finance company in addition to my bank loan.
- I want a cash advance app with a cash advance function to prepare for unexpected expenses.
- I want a loan app that allows me to complete the loan application process on my smartphone.
- I want to use a card loan revolving payment app. I want to use it to create a loan repayment plan.
- I'm interested in financial institution loan apps and am considering using 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 a consumer finance loan app that allows a speedy process from application to disbursement.
- I want to use a deferred payment app for everyday use and a card loan app for larger expenses.
- I want a card loan app that allows me to check interest on loan repayments and find ATMs.
- I'm looking for a borrowing app other than a bank card loan app.
- I want to use a loan app that allows me to not only borrow but also repay loans.
- I want a cash advance 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 under a major financial institution group.
I'm interested in Promise's app loan service, which I heard about in a TV commercial.
I want to use both a deferred payment app and a consumer finance company's cash advance app.
I want to use a consumer finance company's loan app that doesn't require me to visit a branch from the time of borrowing to the time of repayment.
I want a loan app that allows me to change my loan limit from my smartphone.
I want to use a card loan app that allows me to borrow from my smartphone.
I want to borrow money from a bank or financial institution.
I want to get cash from an app loan that allows me to borrow money even in a hurry.
I'm looking for a financial company's card loan app that allows me to borrow money without going to an ATM.
I want to use Promise's app loan and card loan. Interested in loans
・I want to borrow money through an app-based loan for living expenses in addition to my bank loan.
・I'm looking for a consumer finance card loan app that allows me to borrow at convenience store ATMs.
・I want to repay my loans on my smartphone.
・I want a convenient loan app that allows me to borrow and repay through the app.
・I want to borrow easily through a loan app.
・I want a loan app that allows me to borrow at any time.
・I'm looking for a loan app that allows me to borrow money immediately.
・I want to take out a cash advance through a convenient app-based loan.
・I want a card loan app that allows me to take out and repay loans all 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: Sliding principal and interest fixed repayments based on the balance
・Repayment Period and Number of Repayments:
After the last borrowing, the shortest period is the same day, and the longest period is 6 years and 9 months (1-80 installments). 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: 03-6887-1515 (Main)
Registration Number: Kanto Regional Financial Bureau (15) No. 00615
Japan Financial Association Member No. 000001
Repayment Simulation: https://cyber.promise.co.jp/BPB01X/BPB01X03