運転免許ローン  – サラリーマンのブログ

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運転免許ローン 

投稿日:2016年12月1日 更新日:

今日は運転免許ローンと教育給付金について書きます。

運転免許ローンについて

運転免許ローンとはその名の通り、運転免許取得費用を貸し出すローンで、金融機関の商品の一つです。

私もこのローンを利用して大型二種を取得しました。

運転免許ローンを取り扱っている金融機関は非常に多いです。

その中で私はクレジットカード会社の運転免許ローンを利用しました。

そのクレジットカード会社は、

 

エポスカードです。

エポスカードは丸井グループの子会社です。

 

エポスカードの運転免許ローン

「内容」

●入校料・検定料・教習料など免許の料金をまとめるてクレジット

●申し込み時に頭金不要

●保証人不要

●お支払いは入校の翌月から

●返済プランは1~36回払いの中から選択

●更にエポスカードを持っているとポイントが貯まります。

 

私は大型二種を取得したかったので約50万を36回払いでローンを組みました。月々約13000円の支払いでした。

またクレジットカードを持っていなかったため同時に申し込みを行いました。

クレジットカードのポイントは200円で2ポイント付与されますのでその時は、約5000ポイント貯まりました。

貯まったポイントはもちろん色々使い道が有りますが、私は景品交換を選択して、クオカード1000円分×5枚と交換いたしました。

貯まったポイントはこのように景品や食品の詰め合わせなどに交換可能です。

微々たる額ですか、お得だと思います。ローンを組んで終わりかと思いましたが、

こういう特典があるのはうれしいです。

ただ一つ気になったのは、エポスカード運転免許ローンは他社に比べて金利が少し高めです。

金利は年率13.2%です。

例えば

SBI住信銀行   「MR自動車ローン」   金利約3.175%

スルガ銀行     「運転免許取得ローン」  金利9.0%~13.0%

ジャックス     「運転免許ローン」    金利9.8%

アプラス(新生銀行系)「運転免許ローン」    金利13.2%

エポス       「運転免許ローン」    金利13.2%

 

ざっとですが、運転免許ローンを商品として扱っている、金融機関をピックアップしました。

このようにエポスカードは若干金利は割高です。

ただ、審査の厳しさは何とも言えないです。

 

私が通っていた教習所の事務員さんには「審査が通りやすい。」と言われ「エポスの運転免許ローン」を勧められました。

私は過去にクレジットカードの支払いが遅れて何度も催促されたりしてましたので、恐らく要注意の顧客としてリストに載っているかもしれません。

そんな私でも審査が通りました。ましてやクレジットカードも一緒に申し込みまして通りました。通った時は驚いたのを覚えています。

ですので、事務員さんの情報は間違っていなかったと思います。

これから運転免許を取得される方でローン利用を検討されいている方は是非、比較や参考にしてください。

-生活

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