Lake ALSA is familiar with commercials, but how is the examination done? Let's take a look at Lake ALSA from various perspectives, including its features, differences from competitors, and points to be aware of in screening. We will thoroughly explain the process from application to examination, contract, and borrowing.
What is the best feature of Lake ALSA?
Lake ALSA has three interest-free periods. This is the biggest feature of Lake ALSA that is not found in other consumer finance.
Lake ALSA is a card loan operated by Shinsei Financial Co., Ltd., a member of the Shinsei Bank Group.
In November 1998, we acquired the business rights of the consumer finance business from Lake Co., Ltd. In April 2018, we began handling the unsecured loan product “Lake ALSA” for individuals.
Lake ALSA completes everything from application to borrowing online, and is developing its strengths in quick screening and contracts. In addition to the Internet, we also have appropriate centralized management at the call center, so you can use it with peace of mind for applications and inquiries over the phone.
In addition to being able to use ATMs nationwide, if you are a Seven Bank, even if you do not have a Lake ALSA card, you can borrow and repay at any time by using Lake ALSA's official app "e-Alsa". .
However, from December 23, 2020 (Wednesday), the use of borrowing using the Seven Bank ATM "Smartphone ATM transaction" has been suspended. As of January 2022, the suspension continues.
In addition, you can choose an interest-free period that suits your convenience. Housewives and students can use it as long as they have a certain amount of income, and it is also characterized by a wide range of users.
Another appeal of Lake ALSA is that there are a large number of products prepared according to the needs of the user. In addition to regular card loans, there are also “Arsa de Otsume (collective loan based on the Money Lending Business Act),” “Arsa de Business (loans for sole proprietors),” “Life support loans,” and “Disaster area support loans.” .
As you can see, Lake ALSA offers a variety of attractive services.
Click here to apply for Lake ALSAHow long does it take to receive a loan for Lake ALSA?
Lake ALSA can borrow in 60 minutes if you apply online
If you apply for Lake ALSA online, it takes 60 minutes from application to screening, contract and loan. The usage time is fixed, but if you are in a hurry, you will be happy. In addition, even if you apply after hours, you will be notified of the examination results by e-mail or telephone within the next business day.
Then, what preparations and procedures are required to apply for Lake ALSA? Let's take a look at the flow from applying to Lake ALSA to borrowing.
Lake ALSA allows you to receive a loan in as little as 60 minutes if you complete the contract procedure, including screening and confirmation of required documents, by 21:00 in the case of a web application. However, on Sundays, it is until 18:00 instead of 21:00.
The examination result will be displayed in a minimum of 15 seconds after application, so you can check the examination result immediately on the spot. However, this service is only available from 8:10 to 21:50 during regular hours and from 8:10 to 19:00 on the third Sunday of every month, except during the year-end and New Year holidays. If you apply outside of these hours, you will be notified of the screening results by email.
Click here to apply for Lake ALSAHow do I apply for Lake ALSA online? Let's take a look at the Lake ALSA web application and screening process in order.
If you apply online, you can apply anytime, 24 hours a day, 365 days a year. If you have a driver's license and a smartphone, the application is completed in no time.
There is no need to copy or mail your identity verification documents with a copier. All you have to do is download the contract document, and there is no time loss waiting for it to be mailed. It's attractive that you don't have to worry about the hassle and time of storing documents and losing them.
Also, if you apply online, you can avoid sending mail when signing a contract. If you select "Smart Identity Verification" or "Identity Verification with Account Registration", you can eliminate the mailing at the time of contract.
Click here to apply for Lake ALSAYou can do it with just your driver's license and a frontal photo of your face on your smartphone. When shooting a face, you need to shake your head and follow the arrows that appear on the screen.
It is OK just to register a financial institution account in the name of the user.
Basically, three types of confirmation documents are required to apply.
At Lake ALSA, the following five types of identity verification documents are used. 1 Driver's license 2 Passport (if you do not have a driver's license) 3 My number card (if you do not have a driver's license) 4 Health insurance card (if you do not have a driver's license) 5 Resident card /Special Permanent Resident Certificate (for foreign nationals)
Be sure to check that your identity verification documents are still valid and that your current address is the same as the listed address.
At Lake ALSA, there are two types of address verification documents: 1 Utility bill receipts: gas, electricity, fixed-line telephone (NTT), NHK 2 Documents issued by public institutions: copy of resident card, seal registration certificate, notification of water usage fee
Prepare the above address verification documents that are within 6 months from the date of issue.
Address verification documents are required if any one of the following three conditions applies.
Source: From Lake ALSA "Documents Required for Application"
At Lake ALSA, there are 5 types of documents that prove your income. 1 Withholding slip 2 Special tax amount notice 3 Tax return 4 Income (taxation) certificate 5 Salary certificate
If any of the following 3 points apply, you will need to submit documents that prove your income in addition to your identity verification documents and address verification documents.
Source: Lake ALSA "Documents Proving Income" "Than
Certificates that need to be submitted differ depending on the contract method.
Source: Lake ALSA "Documents required for application"
In this way, when signing a contract with Lake ALSA, the required documents differ depending on the contract method, so be sure to check carefully and prepare the documents.
(Image = quoted from Lake ALSA official website)In the case of Lake ALSA, the minimum review time is 15 seconds. You can check the examination results immediately, so there is no need to be frustrated.
However, if you want to know the examination result in the shortest 15 seconds, you must apply from 8:10 to 21:00 and from 8:10 to 19:00 on the third Sunday, excluding the year-end and New Year holidays and the third Sunday. it won't work.
Outside these hours, you will be notified of the results by email or phone the next day. In this case, it may be frustrating that the results of the examination are not forthcoming, but at Lake ALSA you can check the examination status at any time. You can easily check the review status by simply entering the following information on the website.
Click here to apply for Lake ALSAThen all you have to do is press the "Confirm review status" button. Confirmation by phone is also possible. If the review status is not displayed even after pressing "Check review status", you can check it by phone.
However, even after the contract procedure is completed, if there is an error in the user's declaration, the borrower may not be able to borrow. Please enter the details correctly.
Lake ALSA may or may not contact you to confirm your enrollment. If you don't want direct mail or phone calls, basically you won't be contacted. These can be selected at the time of application.
However, we will contact you at your home or place of work if necessary at the time of screening. At Lake ALSA, we take great care when calling to confirm enrollment, and we do not use the name "Lake ALSA" to anyone other than the user, so you can rest assured that you will be calling with the name of the person in charge. In addition, consideration has been given to making calls from non-notification or call-only phone numbers.
You can also let us know if you prefer a male or female contact person. It doesn't always mean that your wish will come true, but you are advised that it will be considered as much as possible. If it is difficult to contact you by phone, it may be possible in some cases to treat the submission of documents as an alternative confirmation.
Although we do our best to keep your employer from knowing that you are calling from a consumer finance company when you call us to confirm your enrollment, there is a risk that your company will be noticed, depending on the size of your company and the status of your business partners. In such a case, it would be better to request confirmation other than by phone. In that case, it is necessary to inquire in advance from the customer's toll-free number and consult.
At Lake ALSA, there are two ways to apply other than the web application: by automatic contract machine and by phone.
[When applying through an automatic contract machine]
(Image = quoted from Lake ALSA official website)At Lake ALSA, you can apply at an automatic contract machine. If you apply through an automatic contract machine, the card will be issued in as little as 30 minutes. If you have any questions about the operation, you can immediately consult with the operator.
Automatic contract machines are available from 9:00 to 22:00 on weekdays, Saturdays, and holidays, and from 9:00 to 19:00 on Sundays, excluding year-end and New Year holidays. However, please note that some stores have different hours. There are automatic contract machines all over the country, and you can search for installation locations from "Stores / ATMs" on Lake ALSA's official website.
[If applying by phone]
(Image: Quoted from Lake ALSA official website)In the case of telephone applications, applications are accepted 24 hours a day, so it is possible to apply at a time that is convenient for the user. If you apply by phone, you can apply while consulting with the operator, so if you are worried about how much you want to borrow, it is better to apply by phone. The phone number is toll-free, so you don't have to worry about calling charges.
If you apply by phone, the screening results will be sent by e-mail between 9:00 and 21:00 (9:00 to 19:00 on Sundays), excluding the year-end and New Year holidays.
Click here to apply for Lake ALSAWill the company receive a phone call to confirm my enrollment at Lake ALSA?
In some cases, the company will receive a phone call to confirm enrollment. Even if you receive a phone call, you will not identify yourself as Lake ALSA, so it is unlikely that the company will know that you have applied for a credit card loan.
Lake ALSA confirms your enrollment by making phone calls with the utmost consideration for privacy, so it is safe for users who are worried about others finding out. If you are unsure about the phone number to confirm your enrollment, you can also contact us in advance at the toll-free number for customers.
Let's take a look at the details of the enrollment confirmation of Lake ALSA.
We will never call you as Lake ALSA when you call us to confirm your enrollment, and we will call you from a non-notified number or a call-only number. At Lake ALSA, you can rest assured that enrollment confirmation is done with consideration for privacy.
Since the call to confirm your enrollment is made with the operator's name, the first person who picks up the phone will not know that it is Lake ALSA. Being a Lake ALSA can only be communicated on behalf of the user.
Click here to apply for Lake ALSAIf there is a reason you cannot answer the phone, or if the call is from a person who does not usually answer and the call is from a specific user, there is a possibility that people around you will be suspicious. Please call the toll free number for customers in advance. If you consult with us, you may be able to treat the document submission as an alternative confirmation.
Although we cannot guarantee it, you can also tell us your preferred gender of the operator who will call you. In that case, it is necessary to consult in advance at the customer's toll-free number.
Click here to apply for Lake ALSAAre Lake ALSA's reviews more stringent than other consumer finance?
Lake ALSA's examination criteria are not open to the public, so it cannot be said that they are unconditionally strict. However, since Lake ALSA's closing rate is by no means high, the examination is not particularly lenient.
As described in "Customer Feedback" on Lake ALSA's official website, there are users who have contracts even if they are borrowing from other consumer finance companies.
If you have a loan from another company, it may be difficult to pass the screening, but it seems that it is not necessarily impossible to pass the examination at Lake ALSA.
However, it cannot be said that the examination is "soft". I will explain the difficulty of the examination of Lake ALSA, which is worrisome.
Considering Lake ALSA's closing rate, I have to say that passing the examination is not easy. Lake ALSA has an average one-year close rate of 34.52%. *The closing rate is not the screening passing rate as it is, but it is considered that the people who close the contract are those who have passed the screening, so I would like to take it as a guideline when considering passing the screening.
The average closing rate of Lake ALSA over the last year can be derived from the following figures.
"Lake ALSA closing rate"
| Month/Year | Close rate |
|---|---|
| Oct-Dec 2020 | 33.1% |
| January-March 2021 | 33.8% |
| April-June 2021 Month | 36.0% |
| July-September 2021 | 35.2% |
Source: "Financial Results/Business Highlights 2021 Q2 Financial Results <November 2021"
(33.1% + 33.8% + 36.0% + 35.2%) ÷ 4 = 34.52% (truncated to the third decimal place)
You can see that the average closing rate is 34.52%.
For example, competitor Acom's average screening pass rate from April to November 2021 was 42.3%. Source: ACOM Corporate Information Site Monthly Report
Judging from all of this, passing the Lake ALSA review is not that easy.
Lake ALSA offers a wide range of applications.
On the official website of Lake ALSA, there are five major occupations that you can apply for.
Those who cannot apply are those who have no income. The official Lake ALSA website lists the following:
Even if you are a housewife/househusband or a student, you can make a contract if you have income.
Click here to apply for Lake ALSAThe biggest attraction of Lake ALSA is speed. If certain conditions are met, it is possible to get a loan as soon as possible. If you apply online, you can receive it in as little as 60 minutes from application to screening, contract to financing. Consumer finance is highly recommended for those who need a loan immediately and are in a hurry, or for those who do not want to spend time and effort on a contract.
Let's take a closer look at Lake ALSA loan speed.
If you apply for Lake ALSA online, you can receive a loan in as little as 60 minutes. During this 60 minutes, the examination and confirmation of necessary documents will be completed. However, it is limited to applications from 8:10 to 21:00 except for the year-end and New Year holidays, and from 8:10 to 19:00 on the third Sunday.
In order to receive a loan in as little as 60 minutes, it is necessary to complete everything on the Internet. Lake ALSA makes it possible to provide loans in as little as 60 minutes from application by performing contract procedures online instead of at a store.
Click here to apply for Lake ALSAYou can see the results in as little as 15 seconds. If you apply for the examination from a computer or smartphone, you will be able to know the examination result just by waiting for a while.
There is a time requirement to use this shortest 15 seconds review. You must take the examination during the normal hours of Lake ALSA, 8:10 to 21:00, or 8:10 to 19:00 on the third Sunday of each month. The year-end and New Year holidays are excluded.
If you do not receive the review within the specified time, you will be notified of the review results by email the next day. In the unlikely event that you do not receive the results of the examination within the specified time, or if you apply outside the specified time and do not receive the results of the examination the next day, please check the "Confirmation of Examination Status" on Lake ALSA's official website. can.
If you still cannot confirm the screening results, please contact the toll-free customer service.
Click here to apply for Lake ALSAOne of the reasons why it takes so long to get results is that the screening process cannot be carried out smoothly.
In order to borrow, you must pass the prescribed examination of Lake ALSA. Companies that handle all card loans, not just Lake ALSA, conduct screenings based on their own standards. The details of the judging criteria are not disclosed. However, among the published application criteria, there are conditions such as age and occupation that can be borrowed. In addition to these disclosed items, the final decision will be made based on the repayment ability and credit information.
Because the examination is conducted from various perspectives, if there are any incomplete documents or incorrect information in the declaration, it may be a factor in delaying the examination because confirmation cannot be made. To avoid delays in the screening process, be sure to prepare the necessary documents when applying, and check that there are no mistakes in the declaration information before applying.
In addition, when applications are concentrated, it may take longer than usual to review, so it is better to apply with plenty of time if possible.
Also, at Lake ALSA, if you apply from the Internet, you will receive the examination result by e-mail in as little as 15 seconds, or the next day. Therefore, if there is a problem such as not receiving the examination result two days later, please check the examination status on Lake ALSA's official website under "Confirm Examination Status" or call the customer-only toll-free number.
* Toll-free number for Lake ALSA customers: 0120-09-09-09
Lake ALSA allows you to borrow and apply even on weekends and holidays. Basically, weekends and holidays are treated the same as weekdays. There are no time restrictions, so the advantage is that you can borrow and apply according to your lifestyle.
However, if you want to take the shortest 15 seconds, you need to apply at the following time.
Sundays and holidays other than weekdays, Saturdays, and third Sundays: 8:10-21:00 Third Sundays: 8:10-19:00 *Excluding year-end and New Year holidays.
Will Lake ALSA's examination results be communicated by phone?
In most cases at Lake ALSA, you can check the results of your application on the spot. Therefore, there is almost no need to worry about "What should I do if the examination result comes over the phone ...". However, depending on the situation, the results of the examination may be sent by phone or e-mail. Let's check what the case is.
There are three ways to apply for Lake ALSA. Basically, you can check the results of the examination on the spot as follows.
| How to apply | How to check the results |
|---|---|
| Smartphone/PC | If it is within the time limit, you can check the examination results in as little as 15 seconds on your smartphone or computer screen |
| Automatic contract machine | On the screen of the automatic contract machine Confirm screening results |
| Call | If it is within hours, confirm screening results on the spot over the phone |
* Data quoted from Lake ALSA official website
Please note that you will not be able to check the examination results on the spot if it is outside the time set by Lake ALSA. In that case, you will be contacted by email, or depending on the content, there is a possibility that you will be contacted by phone. If you have any concerns about contacting us by phone, please call us toll-free.
[Applying with a smartphone or computer] You can check the results of the examination on the spot within the "Notice of Examination Results Time" below. However, outside of these hours, we will notify you by email on the next business day.
Also, according to the official website, "Depending on the content of your application, we may contact you by phone."
[When applying through an automatic contract machine] If it is within the "application reception hours" below, you can check the examination result on the spot on the screen of the automatic contract machine.
In the first place, you cannot apply at the automatic contract machine outside of this time. Therefore, if you receive a phone call when you apply through an automatic contract machine, it is assumed that there is a problem with the application or there is a problem with the examination.
[If you apply by phone] If it is within the "Notice of examination results" below, the operator will tell you the examination results over the phone on the spot. However, outside of these hours, we will notify you by email on the next business day.
In addition, depending on the examination status, there are cases where the examination results cannot be communicated on the spot. In that case, the operator will contact you again by phone and inform you of the screening results.
Click here to apply for Lake ALSAYou can also choose whether or not to receive information by phone or direct mail when you apply. If you don't want to be contacted by phone or direct mail, Lake ALSA will rarely contact you.
However, there is a possibility that you will receive a call regarding the refund even if you do not wish to receive a call. Please be aware that you will be contacted by phone or email depending on the repayment status, such as delinquency or non-payment.
Can I not use Lake ALSA if I fail the review?
Lake ALSA cannot be used if it fails the examination. However, if you apply again after a while, you may pass the examination.
Neither Lake ALSA nor other consumer finance companies have specified screening criteria, but it is believed that each company has its own screening criteria. Therefore, if the user's situation has not changed at all, it can be said that it will be difficult to pass even if it is reviewed many times. If you do not pass the screening once, it is recommended to find out the reason why you failed the screening and minimize it, then apply again.
Then, what are some of the factors that lead to failing the Lake ALSA examination? What other countermeasures are there?
As I mentioned earlier, Lake ALSA's screening criteria are not publicized, so I don't know exactly why I failed the screening. Therefore, we will speculate on the “causes of failing the examination” that are generally considered, and introduce explanations and countermeasures.
If the amount you want to borrow is large compared to your income, you are more likely to fail the examination.
Consumer finance on the lending side lends money to people who seem likely to repay. For users who have no possibility of repayment, we have to lower the limit or drop it by examination. Therefore, if you apply for a high-value loan that does not match your income, in the worst case, you will fail the examination.
If you want to borrow even if it is less than your desired amount, it is better to request an amount that you are sure you will be able to borrow, rather than requesting an amount that is too much for your income from the beginning.
If you choose to apply by phone, you can also decide the amount you want to borrow while consulting with the operator. If you are concerned about the amount you want to borrow, you may choose to apply over the phone.
If you exceed the total volume limit, you will be disqualified, so be careful.
Basically, the maximum amount of borrowing is determined based on the total amount regulation, so applications for more than one-third of the annual income exceeding the total amount regulation will not be accepted. In addition, the total amount regulation is calculated by adding the amount borrowed from other companies. When applying for a loan, it is important to check in advance whether the sum of the amount borrowed from other companies and the amount you wish to borrow this time does not exceed one-third of your annual income.
Lake ALSA's summary loan "Arsa de Summary" can be borrowed because it is an exception to the total volume regulation. If it is difficult to borrow with a normal card loan, you may want to consider using "Alsa de Otsumeme".
If you are new to Lake ALSA, it is a good idea to keep your borrowing amount small.
With Lake ALSA, if you apply for a small amount up to 50,000 yen, you can use the service for 180 days without interest up to 50,000 yen. Therefore, it is thought that the examination will be easier to pass. For 180 days from the day following the contract date, even if you borrow 50,000 yen, return it, and then borrow it again, the interest will remain 0 yen. If you do not need to borrow a large amount at once, it would be best to borrow and repay up to 50,000 yen in 180 days.
*No interest from the day after the first contract for the first time *Normal interest rate applies after the interest-free period has passed. *30 days no interest, 60 days no interest, and 180 days no interest cannot be combined. * If the contract amount exceeds 2 million, only 30 days interest free. *Contract amount from 10,000 yen to 2,000,000 yen
If you keep the repayment date properly, your credit rating at Lake ALSA will increase, and you may be able to raise your credit limit. If you prioritize passing the examination first, this can be said to be a good method.
It will be easy to fall if the repayment of the loan from another company is delayed. However, many of you may be wondering, "How do you know that you are behind in repayment of loans from other companies?"
Information on borrowing from other companies can be obtained by contacting the credit information agency.
Credit information agencies handle the following three types of credit information.
When you apply for a credit or loan, for review purposes It is information that a credit company, etc. has inquired about your credit information.
Contract details, payment status, and balance information for credits and loans.
This is a record of credit companies and others inquiring about credit information for credit and loan screening during use.
Because you can see the current payment status by inquiring "2 credit information" out of these credit information, you can see the borrowing and repayment status from other companies. If there is information such as delays in repayment of loans from other companies, there is a high possibility that it will be judged that repayment cannot be expected even if loans are made with Lake ALSA.
It is most important to enter the correct information when filling out the application. This is because incorrect information cannot be used to make an accurate assessment. For that reason, I would like to pay close attention to make sure that there are no mistakes in the information entered and there are no typos.
Misspellings and spelling errors increase the number of items to be checked, increasing the possibility that the review will take longer. In the worst case, it can be the cause of being judged as false content and failing the examination. Eliminating incomplete entries is a shortcut to passing the examination.
Of course, intentionally false information is outrageous.
I cannot say whether it is easy to fail if the work does not last long, because Lake ALSA's examination criteria are not disclosed. However, generally speaking, rather than changing jobs in a short period of time, I think that continuing to do the same job will increase trust.
One of the conditions for borrowing from Lake ALSA is to have income. It doesn't matter if you're a company employee, a part-time worker, a part-time worker, or self-employed, but you can definitely say that you can't apply if you're unemployed.
In addition, it is possible to inquire about information such as place of employment and length of service from "personal declaration information", which is one of the information handled by credit information agencies.
If you cannot confirm your enrollment, there is a high chance that you will fail the examination. Employment verification is done to confirm whether or not you actually work for the company. Many consumer finance companies confirm enrollment by calling the workplace.
Lake ALSA offers a variety of considerations when calling to confirm enrollment. Unless for some reason you can't pick up the phone. Be sure to answer the phone.
If there is a reason why you cannot answer the phone, or if you do not want to be called, please call the toll-free number for Lake ALSA customers in advance and ask for help. You may receive Enrollment is an important confirmation item, so be sure to respond in a way that suits you.
"Does Lake ALSA require a guarantor?"
Lake ALSA card loans do not require a guarantor or collateral.
Most consumer loans, not just Lake ALSA, tend not to require a guarantor or collateral. So, what particular points are checked at Lake ALSA during the screening process? Let's take a look at the 3 items that may be checked.
Lake ALSA will of course verify the information of the person who applied. It is an item that confirms the credit information of the person who applied, the place of employment, annual income, etc. Driver's license is the most reliable form of identity verification, and those who have a driver's license are asked to show it first.
Family members will not be considered. This is because disclosure of credit information cannot be done without the consent of the individual.
The workplace is considered to be an important point in the examination. This is because the annual income varies depending on the size of the workplace. In addition, you need to declare your annual income to borrow money, but it is common to declare your annual income more than it actually is when you apply. This is a problem in the first place because it is a false declaration, but let's also know that there is a high possibility that the false declaration of annual income will be known from the information of the place of employment.
"I want to borrow as much as possible", "I definitely want to pass the examination!" It may also cause you to fall. Please report correctly.
The borrowing status of other consumer finance etc. will be clarified by inquiring the credit information to the credit information agency. Among the information handled by the credit institution information, it is obvious if you look at the "credit information" that allows you to know the contract details such as credit and loan, payment status and balance. For this reason, checks are made to see if there are any restrictions on the total amount, or if there are any delays in repayment in other consumer finance, etc.
If the total volume limit is exceeded, even Lake ALSA cannot lend, and if there is a delay in repayment in other consumer finance, etc., we judge that there is a high possibility that repayment will be delayed even if we make a loan. It will be done. Even if Lake ALSA keeps silent or lies about being disadvantageous to borrowing, the situation will be easily grasped by the examination. Therefore, it is important to be honest when applying for a loan.
Some users have contracts with Lake ALSA even if they are borrowing from other companies. If you do not get caught in the total amount regulation and there is no delay in repayment by other companies, you do not need to worry so much about checking the borrowing status of other consumer finance companies.
I can't immediately confirm the review results from Lake ALSA. Why?
Lake ALSA review results are usually available immediately. However, if you cannot confirm, it is possible that it was outside of the response time, or that the application was incomplete or the review was delayed.
If you don't receive your results from Lake ALSA, you may be worried, but don't worry. If you do not receive the results of the Lake ALSA review, you can check the status of your application here.
Lake ALSA has a toll-free customer-only toll-free number that you can contact easily. If you do not receive the results of the examination from Lake ALSA, you can call the inquiry desk and ask about the examination status. Feel free to use our toll-free number for customers.
* Toll-free number for Lake ALSA customers: 0120-09-09-09
Also, if it is too troublesome to contact you by phone, you can check the examination results from the "Confirm examination results" page on the Internet.
Click here to apply for Lake ALSAAt the time of the screening process, your employer may receive a phone call to confirm your enrollment. In this case, the operator will ask the person who picked up the phone to connect to the person in question, and the person will answer the phone and complete the confirmation. In addition, you can rest assured that you will be called Lake ALSA only when you answer the phone.
If you cannot answer the phone to confirm your enrollment, it may be judged that you cannot confirm your enrollment. There may be delays in the review process. If there is a reason why you cannot answer the phone, or there are certain hours when you cannot answer the phone, please contact the toll-free customer service number in advance.
I am considering a mortgage. I'm on Lake ALSA, will it affect my mortgage approval?
Even if you use Lake ALSA, if you pay it back properly, it will not affect you much. However, delays in repayment may have an impact.
Using Lake ALSA does not affect mortgages from a total volume control perspective.
If you need a large amount of borrowing such as a housing loan, the total amount of borrowing will surely be more than 1/3 of your annual income, so it will be an "excluded loan" and will not be included in the total amount regulation. . Therefore, even if you are borrowing with Lake ALSA and the amount you owe is close to one-third of your annual income, your mortgage will not be affected.
It refers to loans that are exempt from the total volume regulation, such as housing loans and automobile loans, which are high in borrowing amount and are not suitable for the total volume regulation.
In addition, borrowing from banks etc. is not subject to the total amount regulation in the first place. Therefore, even if you use Lake ALSA, your mortgage will not be affected.
However, this does not apply if it is determined that you do not have the ability to repay while using Lake ALSA. Even if the total amount regulation does not pose a problem, it is conceivable that the use of Lake ALSA will affect mortgages.
What caused the people who failed the examination of Lake ALSA to fail?
Because the criteria for judging have not been made public, we do not know exactly what caused the failure. However, looking at the reviews of those who failed the screening, it seems that there are many people who have a low annual income compared to the amount they want to borrow, and who have caused delays in repayment in the past.
How is the review of Lake ALSA received by those who actually applied for the review?
We divided the reviews of people who actually experienced the Lake ALSA examination into "those who failed" and "those who passed".
What are some testimonials of those who failed the Lake ALSA examination?
Let's see what people who passed the Lake ALSA test have to say.
Some people said that even those who could not borrow from other consumer loans passed the examination with Lake ALSA.
Click here to apply for Lake ALSACan Lake ALSA receive money from bank ATMs?
"With Lake ALSA, you can receive money at bank ATMs, etc."
With Lake ALSA, you can receive money from bank ATMs, account transfers, and Shinsei Bank card loan ATMs, depending on how you apply. It should be noted here that the available borrowing methods differ depending on the application method.
Lake ALSA offers a number of ways to receive money with the user in mind. Let's check how to apply.
If you borrow money with your smartphone, you can receive money in the following two ways.
You can make a transfer on the same day as soon as possible with "Transfer to a Financial Institution Account" . However, it is limited to an account in the name of the user himself/herself.
Also, "Borrowing at Seven Bank ATM" is currently suspended (January 2022). This borrowing method has been suspended since Wednesday, March 23, 2020. Due to the suspension of borrowing at Seven Bank ATMs, there is currently only one way to receive money when borrowing with a smartphone.
If you borrow money by computer or phone, you can receive money in the following three ways.
In "transfer", as with borrowing on a smartphone, if the user has an account in the name of the user, it is possible to transfer the money on the same day at the shortest.
With "Shinsei Bank Card Loan ATM", you can receive money at no charge even at night or on holidays. Also, it can be used 365 days a year. The operating hours are as follows.
Weekdays/Saturdays: 7:30-24:00 Sundays/Holidays: 7:30-22:00
"Affiliate ATM" allows you to receive money at affiliated ATMs nationwide. It is installed in convenience stores and banks, so there is an advantage that you can find it immediately. However, be aware that ATMs may charge a fee.
If you borrow money from an automatic contract machine, you can receive money in the following two ways.
You can receive money from Shinsei Bank Card Loan ATMs at no charge, even at night and on holidays I can. Also, it can be used 365 days a year. The operating hours are as follows.
Weekdays/Saturdays: 7:30-24:00 Sundays/Holidays: 7:30-22:00
"Affiliate ATM" allows you to receive money at affiliated ATMs nationwide. It is installed in convenience stores and banks, so it is an advantage that you can find it immediately. However, if you use an affiliated ATM, you will be charged a fee, so be careful.
Click here to apply for Lake ALSACan I pay back Lake ALSA without going to an ATM?
There are 5 repayment methods, and repayment can be made online as well as from ATMs. Choose a payment method that suits you.
There are 5 ways to pay back the money you borrowed from Lake ALSA. Each has its own characteristics, so you should choose the method that allows you to receive the service you want to use. I will explain the details while holding down the characteristics of the repayment method.
The features of repayment with the web repayment service are that you can repay from your smartphone, app, or computer, and that there are no transfer fees. You can use the web repayment service simply by selecting a financial institution from the member page and completing the procedure.
In addition, since you are not bound by time, you can freely repay late at night, on Saturdays, Sundays, and holidays. There are no transfer fees regardless of how many times you transfer, so you can make early repayments whenever you want.
The feature of repayment by automatic withdrawal is that there is no repayment fee. With automatic withdrawals, monthly payments are automatically deducted from the user's registered account, so there is no need to worry about forgetting to pay. Also, there is no need to go to the ATM, so it is a recommended repayment method for people who are busy or lazy.
You can apply for automatic withdrawal from your computer, smartphone, or by mail. With just one application, repayment will be much easier.
Click here to apply for Lake ALSAOne of the features of repayment at affiliated ATMs is that you can repay even late at night.
Affiliated ATMs include Seven Bank ATMs, Lawson Bank ATMs, and E-net ATMs. These affiliated ATMs can be repaid even late at night, on Saturdays, Sundays, and holidays, so people who can't find time on weekdays for work can use it without worry. However, if you use an affiliated ATM, you will be charged a certain fee, so be sure to check the fees of each bank.
The feature of repayment by bank transfer is that you can make a lump sum repayment. Even if there are no Shinsei Bank ATMs or affiliated ATMs in your area, you can still repay by transferring money to the bank account designated by Lake ALSA.
Although a certain fee will be charged when transferring, this is a recommended repayment method for those who want to repay in a lump sum. You can check the bank account designated by Lake ALSA at any time from the member page.
One of the features of Shinsei Bank card loan ATM repayment is that a lump sum repayment is possible and repayment fees are free.
If you use a Shinsei Bank card loan ATM, you can repay without a Lake ALSA card. At this time, "registered phone number (home or mobile phone)", "date of birth", and "card PIN" are required. At Shinsei Bank card loan ATMs, you can receive change in coins, so there is no problem even if you don't have the exact amount for a lump sum repayment.
How much can I borrow with Lake ALSA?
Lake ALSA's borrowing amount varies depending on the amount you are currently borrowing.
Borrowing more than 1/3 of your annual income is regulated by total volume regulation, not only Lake ALSA but also any consumer finance, excluding exclusion and exception loans.
Therefore, the amount that can be increased depends on the current borrowing amount. If you're thinking of increasing your amount with Lake ALSA, start by figuring out how much you currently owe, including what you owe from other companies.
Even if you have already borrowed with Lake ALSA, you can still borrow more if you have room to meet your limit. You can check the limit by logging in to the member page.
However, even if the debit date has passed, Lake ALSA has not been repaid during the "deemed debit period", so additional borrowing is not possible if the balance is up to the limit. If there is a difference between the maximum amount and the maximum amount even during the withdrawal period, additional borrowing is possible within the usage limit. At this time, the difference must be in units of 1,000 yen.
Log in to the member page. On the member page of users who can increase the limit, the message "Information about the limit" will appear. From there, you will be able to apply for an increase by clicking "Confirm/Apply for Increased Credit Limit". However, if you wish to increase the amount, you may be required to submit documents that prove your income.
In addition to the member page, you can also apply for an increase from a Shinsei Bank card loan ATM or a customer-dedicated toll-free number.
In addition to the above procedure, users who can increase the amount will be notified by e-mail if they register for the "Special Information Information" service. .
I am unable to login to the Lake ALSA website. Why?
This may be due to a login error or transaction suspension. If you have any questions, please call our customer toll free number.
It is important to know the cause and what to do if you are unable to log in to the Lake ALSA website. If you can't log in to the website, your repayment may be delayed.
Let's take a closer look at why you can't log in to the Lake ALSA website.
Your login to the Lake ALSA website will be locked after 3 incorrect entries in a day.
Since you need your card number and PIN to log in to the Lake ALSA membership page, if you forget your PIN, you will need to reissue your card. When reissuing a card, you must bring your driver's license, health insurance card, etc., and go to the Shinsei Bank card loan automatic contract counter. Lake ALSA does not allow PIN inquiries on the web.
There is a possibility that trading has been suspended as a cause of not being able to log in. However, if there is basically no trouble, it is unlikely that Lake ALSA will stop trading. If the transaction is suspended, there is a high possibility that there is a delay in repayment or that there is a change in the content of the declaration after the contract, but it is not declared.
If you cannot solve the problem by yourself immediately, or if you have no idea that the transaction will be suspended, please contact the toll-free customer service number.
Lake ALSA undergoes regular weekly maintenance. Various services cannot be used during the maintenance period.
If you can't log in even though it's not maintenance time, it may be a system failure, so let's wait for a while and try logging in again. Also, if there is something that needs to be dealt with immediately, it is recommended that you call the toll-free customer service number for consultation and confirmation.
I heard that Lake ALSA's interest-free period is advantageous. How is it profitable?
While many consumer loans set the interest-free period to a maximum of 30 days, Lake ALSA has three types of interest-free periods, "maximum 30 days, maximum 60 days, and maximum 180 days", which are not available at other companies. I'm here. The fact that you can choose the interest-free period according to your convenience is a big appeal of Lake ALSA.
Lake ALSA offers up to 180 days interest free period. There are conditions to be interest free for up to 180 days. Also, Lake ALSA has a great interest-free period other than up to 180 days. Let's look at each condition.
Click here to apply for Lake ALSAIf the contract amount is 1 to 5 million yen, the interest-free period is 30 days from the day after the contract is signed.If the contract amount is 1 to 2 million yen, the interest-free period is 60 days from the day after the contract is signed.The contract amount is 1 to 200 yen. You can choose from 3 types of interest-free periods of 180 days from the day after the contract to 50,000 yen for 10,000 yen.
All patterns are limited to the first application. In addition, online application is limited only if the contract amount is 1 to 2 million yen and the interest-free period is 60 days from the day following the contract.
Consumer finance like Lake ALSA that allows you to choose an interest-free period is very rare. Let's take a look at the interest-free period of consumer finance of our competitors.
[For Aiful] Aiful's interest-free period is up to 30 days. It is also for those who use Aiful for the first time and sign an unsecured cash advance loan.
[For Promise] The interest-free period of Promise is 30 days from the next day of use. First contract only. After registering your e-mail address, you must select "Check the document (web statement) on the Promise website" as an option for receiving the document.
[For SMBC Mobit] SMBC Mobit does not have an interest-free period.
[For ACOM] ACOM's interest-free period is up to 30 days from the day after the contract date. Limited to unsecured card loans for those who are new to Acom. However, this does not apply if ACOM deems it inappropriate.
As you can see, Lake ALSA's interest-free period is by far the best value compared to competitors' consumer finance. It is also a nice service that you can choose the interest-free period according to your wishes, so if you choose consumer finance with an interest-free period, Lake ALSA is recommended.
How good is Lake ALSA's interest-free period? Assuming that you have borrowed 50,000 yen in the "interest-free period of 30 days" and "interest-free period of 180 days", let's check the degree of each benefit.
Click here to apply for Lake ALSAIf you borrow 50,000 yen with an "interest-free period of 30 days" and repay the loan on the repayment date within 30 days, the interest will be 0 yen. Of course, borrowing on the contract date and additional borrowing during the interest-free period are also OK. However, if there is no repayment on the first repayment date even during the interest-free period, late payment charges will be incurred and the interest-free period will end.
If you want to borrow and repay 50,000 yen without interest, you need to repay 50,000 yen on the repayment date set within the 30-day interest-free period.
If you borrow 50,000 yen with "180 days interest-free period up to 50,000 yen", if you repay 50,000 yen by the set repayment date within 180 days, the interest will be 0 yen. If it is an interest-free period, even if you repay 50,000 yen and then borrow an additional 50,000 yen, no interest will be charged.
However, if you do not repay on the repayment date during the interest-free period, late payment charges will be incurred, so be sure to repay on the repayment date. Any delay in repayment after the end of the interest-free period will incur interest in addition to late payment penalties.
It is important to repay the balance by the repayment date, regardless of the interest-free period. If you keep this, the interest is 0 yen either way. To put it bluntly, if you want to borrow small amounts up to 50,000 yen many times, it would be better to use the 180-day interest-free option.
Click here to apply for Lake ALSAAfter the interest-free period, normal interest rates will apply.
The normal interest rate is 15.0-18.0% if the borrowing amount is 1-999,999 yen, and 12.0-15.0% if the borrowing amount is 1-2 million yen. You can check the loan interest rate from "Contract details" on the member page.
Let's take a look at how interest is charged for each interest-free period.
[No interest for 30 days] Normal interest will be charged from the 31st day counting from the day after the contract date.
[No interest for 60 days] Normal interest will be charged from the 61st day counting from the day after the contract date.
[No interest for 180 days up to 50,000 yen] Normal interest will be charged from the 181st day counting from the day after the contract date.
In this way, the timing at which interest is charged varies depending on the contract details, but for any contract, interest will be charged at the normal interest rate after the interest-free period ends. The interest-free period is counted from the contract date, so be careful not to make a mistake.
Click here to apply for Lake ALSALake ALSA can be said to be a consumer loan that is easy to be screened. As long as you have a stable income, you can apply. While there are many consumer loans with a narrow range of conditions for those who use them, it can be said that Lake ALSA opens up borrowing opportunities to many people. Lake ALSA allows you to get a loan in as little as 60 minutes on the web, so it is also recommended for those who want to borrow immediately. It also has a very long interest-free period compared to its competitors. If you are using Lake ALSA for the first time, you should choose an interest-free period according to the amount borrowed.
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