※当サイトでは、アフィリエイト広告を利用した商品・サービスも紹介しています※
「車が欲しくても経済的に余裕がないため買えない」
「過去に金融事故があったから、カーローン審査にいつも落ちてしまう」
そのような事情で車のローンを組めない人もいるでしょう。そんな人におすすめなのが、自動車販売店が独自に行なっている自社ローンです。
自社ローンを取り扱っている店舗を探す場合、どのお店に申し込みをしていいのかわからないという人も少なくないはずです。
今回は、自社ローン会社の選び方、注意点などについて、詳しく解説していきましょう。
【PR】【他社審査でNGだった方必見!】中古車自社ローンの総合案内
車が欲しい!だけど、なかなか審査に通らない…そのような方は是非ご相談ください!
最短10日で納車の“自社ローン”により、お客様の充実したカーライフをサポートします。
- 自己破産・任意整理など金融事故の経験がある
- 支払いの遅れが過去にあった
- オートローン審査に通らない
- 自営業をしている
- 勤続年数が数ヶ月
このような方でもご利用いただけます。
まずは自社ローンの特徴を把握しておこう
自社ローンを取り扱っている会社に申し込みをする前に、まずは自社ローンがどのような特徴を持っているのか、理解するようにしましょう。
自社ローンは通常のローンのように信販会社を介さずに、自社ローンを扱う会社とお客様の2者間のみのやり取りとなります。
信販会社による厳重な審査が存在しないため、ほぼ誰でもローンを組むことが可能です。そのため、過去に金融事故などを起こしている人でも、自社ローンであれば安心して申し込みできます。
このようなメリットのある自社ローンですが、通常のローンに比べると良いとはいえない点もあります。それを把握したうえで「本当に自社ローンは自分に適しているのか、申し込みするべきか」と考えることが大事です。
では、自社ローンの特色とはどういったものなのか、以下より説明しましょう。
自社ローン取扱店は制限が多い
自社ローンは通常のローンと比べていくつかの制限があります。その制限は次の通りです。
- 自社ローン取扱店はそれほど多くない(近所にない場合は時間・交通費がかかる)
- 自社ローン取扱店は中古車販売店が多いので新車が買えない
- ローン支払い回数が通常のローンより少ない場合が多い
- 上限額が通常のローンより低め(購入できる車に制限が出る)
新車・高額の車を求めていない人なら問題ありませんが、新車などの購入を希望する人にとって自社ローンは不便に感じるでしょう。
ローン完済まで車の売却ができない
自社ローンは、ローンを完済するまでは自分以外が車の所有者となっているので、返済期間中は車の売却ができません。
これは「所有権留保」という仕組みで、自社ローンに限らずローンはこのようなシステムになっています。所有権を留保することによって、契約者が会社倒産で職を失うなどで、返済不可になった場合の保険となるのです。
そのため、ローン返済中に何かしらの理由で車が不要になった場合、売却して処分するといったことができません。
延滞・滞納のペナルティが厳しい
自社ローンは、審査不要でほぼ誰でも契約できるメリットがありますが、その反面、返済の延滞・滞納が続くと、通常のローンより早くペナルティが発せられます。
ペナルティは自社ローンを取り扱う店舗によって内容が異なりますが、返済の延滞・滞納が始まったと同時に、車両そのものを引き揚げるという強制手段も少なくありません。
中には、引き揚げを予想して車を隠す人もいるでしょうが、車にGPSをつけているところも珍しくないためすぐに車の所在地がバレてしまいます。遠隔操作によりエンジン起動停止の強行が可能なところもあるでしょう。
自社ローンにより念願のマイカーを手に入れても、簡単かつ強制的に車を失うパターンもあるのです。
自社ローンを選ぶ際に確認するポイント
自社ローン取扱店を選ぶ際は、自社ローンに関するいくつかのポイントをチェックすることが大事です。そのポイントとは何か、以下より説明しましょう。
各種手数料
自社ローンは金利ゼロなのが売りですが、その分、各種手数料が請求される場合もあります。手数料の内容は会社によって異なるので、ローン契約時に手数料はいくら発生するか、手数料の内訳はどうなっているのか、確認しないといけません。
会社によっては事後報告で「これだけの手数料が発生した」と後になって請求してくるところもあるので、事前に確認しましょう。
車両金額
自社ローンは金利がつかない分、手数料などが上乗せされての車両価格になるケースもあります。
車両価格だけをみて購入を決定しても、請求時に車両価格をオーバーした価格が請求される場合もあるので、事前に上乗せ価格も確認しましょう。
ローン支払い回数
自社ローン会社がローンの支払い回数を何回に設定しているか、事前に確認しましょう。自社ローンを扱う店舗で多いローン支払い回数は、24〜36回です。
ただし、この回数は自社ローン会社によって異なり、中には48回、多いところだと72回払いを設定しているところもあります。
また、支払い回数が設定されている店舗であっても、お客様の相談に応じるところも少なくありません。
自社ローン支払い回数の相談に応じてくれるか、事前に確認しておきましょう。
各種サービス・キャンペーン
自社ローン会社によっては、利用者にとってのお得なサービス・キャンペーンを豊富に用意しているところもあります。少しでもお得なサービスを受けたい人は、どんなサービス・キャンペーンがあるのか、チェックしておきましょう。
自社ローン会社が用意しているサービス・キャンペーンは、以下のような種類があります。
- オイル交換無料
- 自社リース
- 車検自社ローン
- 期間限定割引き
- 通過率アップ
- 保険料見直し相談の対応
- ロードサービス
どんなサービス・キャンペーンが用意されているのか、どんなサービスが自分にとって都合がいいのか、確認をしましょう。また、キャンペーンは期間限定のため、いつからいつまでなのかチェックすることが大事です。
頭金が必要かどうか
自社ローン取扱い店舗は、ほとんどの店舗が「自社ローンは頭金一切不要!」とうたっています。しかし、中には頭金の支払いが必須のところもあるので、金銭面で余裕のない人は頭金が不要かそうでないか、確かめる必要があります。
ただし、頭金は返済残高が減るので、その後の返済が楽になるのが特徴です。頭金不要のところでも、経済的に余裕があれば支払い可能かどうか聞いてみましょう。
保証人の有無
自社ローン取扱店の中には「保証人不要!」と大々的にうたっているところもありますが、中には自社ローン契約時に保証人が必須のところもあります。
保証人が必要な場合、それを引き受けてくれる保証人を探す手間がかかり、もし保証人が見つからない場合は契約ができません。保証人が不要かそうでないか、事前に確認する必要があります。
会社の実績
自社ローン取扱店が、販売店としての実績があるのかどうか、事前に確認することも大事です。初めて自社ローンを利用する人は、通常のローンとは異なるタイプのローンのために、戸惑う人もいるでしょう。
この場合、自社ローンを取り扱っている会社が、どれぐらいの運営歴がありどんな実績(販売台数など)があるのか、確認をしましょう。運営歴・実績がある会社であれば安心して依頼できます。
自社ローン会社をスムーズに探すコツとは
自社ローンを取り扱っている会社は決して多くはありませんが、探すといくつもの店舗が出てきます。そのため、どれが自分に適した会社であるのか探すのが難しい・面倒と感じる人もいるでしょう。
そのような人のために、自分にぴったりの自社ローン会社を効率良く見つけられる方法を、以下より紹介しましょう。
複数の業者を並べて比較する
気になる自社ローン会社がいくつか見つかったら、複数の会社を並列に並べて比較をしてみましょう。
並べることによって「この会社は在庫数が豊富」「この会社はキャンペーンが充実している」といったそれぞれの特色がわかりやすくなります。どれが自分に適しているのか見つかりやすくなるでしょう。
会社を見つけてすぐに連絡をするのではなく、複数の会社をピックアップして比較をすることが大事です。
口コミ、評判をチェック
利用者が寄せた口コミ・評判を確認することも大事です。気になる店舗が見つかったら、その評判をチェックしましょう。
自動車販売に関する口コミ・評判は、以下のサイトに多く寄せられています。
- カーセンサーnet
- グーネット中古車
- goo自動車&バイク
- Googleマップ
ネット上の意見は完全に内容が保証されているわけではないですが、一つの資料として参考にするといいでしょう。
自社ローンでも審査落ちがある?その原因は?
自社ローンは、信販会社による厳しい審査がないために、誰でも契約が可能といわれていますが、それでも契約お断りの判断をされる場合があります。自社ローンで審査落ちになるような人は、以下のようなケースです。
- 法的に契約不可である生活保護受給者
- 同じく法的に契約不可である自己破産の免責が下りていない場合
- 身分証明証がない
- 連絡先がない(携帯・スマホを持っていない)
- 住所不定
- 現在無職で今後の就職先の目処が立っていない
自社ローンで大事なのは、「現在の返済能力」です。過去に金融事故・支払いの延滞や滞納などを起こしていても、現在定職があり安定した収入があるかどうかの判断になります。
そのため、過去も現在も定職に就いていない、身分証明できない(いざという時連絡できない)場合、自社ローンは契約できないでしょう。
また、現在の返済能力・経済状況に関係なく、生活保護受給者・自己破産の免責が降りてない場合も、契約の対象外です。
まとめ
自社ローンは、ブラックリスト入りした人・経済的に余裕がない人でもローンが組めて車の購入が可能になる便利なローン方法です。
しかし、自社ローン会社はそれぞれ特色があるので、自分に適した会社を選んでローン申し込みをする必要があります。
自社ローン取扱店の中には、お客様の状況を理解したうえで最善のプランを提供してくれる、優良店もあります。
次の段落で優良自社ローン会社を紹介しているので、ぜひ参考にしてみてください。
【2023年度版】”安心”の自社ローン会社ランキング
自社ローン会社は探せばたくさんありますが、どこに相談すれば良いのか、特に初めて利用する場合は迷ってしまうかと思います。当サイト独自に「販売実績」「取扱い車種」「利用ユーザーの評判」「運営会社」などを調査し、総合的判断から”安心”して自社ローンで車を購入できる会社をランキング形式で紹介します。
お店選びの参考になれば幸いです。
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