アコムの良いところと残念なところまとめ

アコムの良いところと残念なところまとめ

アコムの良いところ

借り入れまでが早い

実際に借りてみて感じたのは借り入れまでのスピードの早さです。

ATMからお金を受けった時は『えっもう借りれたの？』とちょっと感動すらありました。

実際にATMから10万円を借りるまでにかかった所要時間は1時間くらいでした！

1000円未満の残金は無利息残高になる！

例えば50万円を数日借りると利息が1500円くらい付きます。

でもATMでは細かいお金を返済できないので50万1千円返せばいいとのことです。

残りの500円は返済不要！残していても利息は発生しません。

無利息期間がある

これはアコムだけに限ったわけでは無いですが未だに無利息サービスを取り入れてないキャッシングサービスもありますのでないよりはある方が絶対いいと思います。

特に短期間のみの利用の場合はこの無利息サービスを利用すれば実質無料で借りれるわけですから無利息サービスのあるキャッシングを選ぶべきだと思います。

誰にもバレずに借りることが出来る

これは僕の中ではかなり大きかったです。

家にカードや契約書が送られてきたりしたら嫁に怒られますよね！（僕だけかな・・・）

今回の借り入れ方だと書類は一切送られてきませんでした。

手順はと言うと

WEBで申し込み→無人契約機で契約＆カード受取→隣のATMでお金を借りる

本当に誰にもバレてません。

嫁は未だ僕がアコムを利用していることは知りません。

キャッシングってできれば『こそっと』利用したいですよね！

ちなみに最初借りた時こそアコムの看板の建物に入って行きましたがカードさえ発行されちゃえば銀行でも利用できるので普通に口座からお金をおろしているようにしか見えないと思いますよ！

アコムの残念なところ

プロミスより少し金利が高い
キャッシング会社の中では金利が少し高めです。
[cc id=1321 title=”アドセンス自動(金融)”]

10万円を一ヶ月借りる場合　　1ヶ月の利息は？

  • アコム 18.0% 1,479円
  • プロミス 17.8%　 1,463円
  • レイク 18.0% 1,479円
  • アイフル 18.0% 1,479円
  • モビット 18.0% 1,479円

50万円を一ヶ月借りる場合　　1ヶ月の利息は？

  • アコム 18.0% 7,397円
  • プロミス 17.8% 7,315円
  • レイク 18.0% 7,397円
  • アイフル 18.0% 7,397円
  • モビット 18.0% 7,397円

金利の違いは100円まではいかないのでキャッシングを選ぶ時のポイントにはならないかもしれませんね！

コレはどちらも1ヶ月で返す計算ですので借りる期間が長くなればもう少し差が出てきますのでお気をつけ下さい。

総量規制対象になる

アコムに限った話ではありませんが貸金業法により総量規制の対象になりますので年収の1/3以上の借り入れは出来ません。

借入が多い方は総量規制対象外のカードローンを選ぶしかなくなります。

実際には年収の1/3を超えてしまうと銀行カードローンでも審査が通りにくくなることも知っておいたほうが良いといもいます。

ちなみにレイクは数年前に銀行のカードローンとなりましたので総量規制対象外です。

総量規制対象外のカードローンに関しては総量規制対象外ガイドにてご確認下さい。

アコムの申し込み条件は？

お金

アコムは誰でも申し込みが可能です。

誰でもと言いましても安定した収入がある20歳以上69歳までの方です。

職業や性別・年齢は問いません

借り入れ状況の確認、変更はアコム会員ログインで

アコム会員は、公式サイトから

  • 残高・期日等の各種確認
  • 振込によるお借入
  • 振込によるご返済
  • 明細書等の受取サービス（電磁交付）
  • 契約変更のお申し込み
  • お客さま情報の変更

等ができます。

公式サイトにアクセス後、会員ログインボタンを押していただき

  • 会員番号
  • 暗証番号

を入力して、会員サイトに入っていただき手続きをすることができます。
[cc id=1322 title=”アドセンス固定(金融)”]

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