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任意整理中でもカーローンは通る?任意整理中にカーローンを通すための対処法

※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※

 

 

任意整理の経験がある、または任意整理を検討されている人の中には、カーローン(車のローン)が組めるのか、心配な人も少なくないでしょう。

また、どうしても車が必要になってしまい、どうにか購入できないか思案している人もいることと思われます。

今回は、実際にローンが組めるのかどうか、また組めなかった場合の車の購入方法や注意点などを紹介いたします。

【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。

中古車自社ローンの総合案内はこちら

任意整理中にカーローンは組めるのか?

任意整理をして完済するまでの期間は、基本的にカーローンのうちいわゆる「オートローン」と呼ばれる銀行系ローンとディーラーローンを組むことは困難です。

銀行や信販会社は、信用情報機関から利用者の信用情報を調査し審査するので、過去に金融事故があった場合は、オートローンを組むのが難しいと思われます。

後述しますが、ある稀な例や、「自社ローン」と呼ばれるローン会社を通さずに、販売店独自の基準で審査するローン契約は、信用情報に不安がある人でも利用できる可能性があります。

基本的に任意整理中はカーローンを組むことは難しい

債務整理中は、信用情報機関に金融事故情報として登録されるため、カーローンに限らず、約5年~10年は新たな借入れをすることが原則として不可能です。

いわゆるブラックリスト状態とされ、前述した通り、その期間中に車のローンは基本的に組むことが出来ないと考えてよいでしょう。

任意整理中にカーローンを組むことが難しい理由

銀行系ローンやディーラーローンの提供元である銀行やろうきん、信販会社は、ローンの申込みがあった場合、まず信用情報機関に申し込んだ人の信用情報を照会します。

その結果をみて、「長期間しっかりと返済し続ける能力があるかどうか」を見極め、ローンを受け付けるかどうかを判断します。

その際に任意整理手続きの記録があると、ほとんどの場合、「長期間安定した返済が望めない」と判断されてしまうので、任意整理中にローンを組むことはほぼ不可能となるのです。

審査基準はローン会社によって異なりますが、信用情報はもちろん、収入・勤続年数・現在の職業・家族構成など、さまざまな情報を総合的に判断し、ローンの申込者に返済能力があるかどうかを評価しています。

どの項目を重視してどのような評価を下すのかは、ローン会社によって異なるため、任意整理中でもローン会社に万が一「返済能力あり」と判断されれば、カーローン審査に通ることも考えられなくはないですか、基本的に任意整理中にカーローンを組むことは難しいと思っておいて間違いなさそうです。

もし任意整理中に車が必要になったら?カーローンを通す対処法

カーローンを利用したいが任意整理中の場合、基本的には信用情報から任意整理の記録が削除される5〜10年後まで待たなくてはいけません。

しかし実際には、すぐにでも車が必要なことも多いと思われます。

そのような場合の対処法として、任意整理中に車を持つ方法をいくつか紹介いたします。

自社ローンを利用する

先にも少し述べましたが、「自社ローン」とは、中古車販売店がローン会社を通さずに独自に審査を行っているカーローンのことです。

中古車販売店は信用情報機関に照会して、信用情報を調査することは行わないため、任意整理中でも、審査に通る可能性は十分にあります。

自社ローンは金融商品ではないので金利はかかりませんが、一方で銀行・信販会社系のカーローンの金利相当分が車両本体価格に上乗せされるケースも多く、ほかのカーローンよりも月々の返済額が高くなる場合があるので注意が必要です。

家族名義でカーローンを組む

家族で使う車が欲しい場合などにおいて、家族の中に任意整理中の人がいるケースでは、任意整理をした本人以外の家族が申し込むことで、カーローンの審査に通る可能性があります。

中には申し込む本人の収入が安定していることを原則として、連帯保証人を立てることを条件とするカーローンもあるのでよく確認しておきましょう。

リースカーを利用する

リースカーに関しても、受付の際に信用情報機関の照会が行われるため、任意整理中の利用は難しいケースが多いと思われます。

しかし、カーリースを行っている会社の中には、無審査、もしくは自社審査でリースを行っている所も存在するため、インターネットを利用してそのような会社を探して、リース契約を結ぶのも一つの手段です。

そのような場合は、自社ローン同様に、信用情報機関の情報を照会しないため、債務整理の情報が審査の際に反映される可能性は低く、審査を通過する可能性は十分にあります。

ただ、

  • 利用できる地域が限定されている
  • 法人に限定されており、個人での使用は不可
  • 連帯保証人を必ず用意しなくてはならない

などといった条件による縛りがあるケースも多いので、その点には注意が必要です。

任意整理中に車のローンを組む場合の注意点

任意整理中に、車のローンを組める可能性がある方法を紹介して来ましたが、その際は以下のことに十分注意点しておきましょう。

例えば、任意整理に対する返済が毎月60,000円であった場合、そこにカーローンの返済が加わるので、その返済が40,000円だとすると、月々の返済金額は100,000円にまで膨れ上がってしまいます。

もし、経済的に余裕が生まれており、返せる見通しがしっかりあるのであれば、任意整理中でも車のローンに申し込んで問題ありませんが、万が一、任意整理の返済に遅れてしまった場合、あらゆる面での困難が生じることと思われます。

任意整理中に車のローンを組むことを検討している場合は、そのようなリスクも十分に踏まえた上で、申し込むことをおすすめします。

任意整理中にカーローンに通った人の事例

次に任意整理中に実際にオートローンに通った人の事例を紹介します。

任意整理中に実際にオートローンに通った人男性の例、

  • 日産のエルグランド(ミニバン)のローン購入を申し込み
  • 車の金額は、5,000,000円で金利は1.9%
  • 男性の年収は4,500,000円
  • 既婚で4人家族
  • 現在の勤め先は勤続5年目

上の状況を踏まえた上で、販売店から出された条件は連帯保証人をつけることでした。

しかし、さらに詳しく話を進めたところ、現在乗っている車のローンの残債が100万円であったため、その残債を支払い次第、保証人は不要とされました。

ただこのようなケースは稀と言っても過言ではないので、任意整理中にオートローンを組む際は過度の期待はしないようにしましょう。

任意整理中は賢く車に乗ろう

任意整理中でもどうしても車が欲しい・必要な方に向けて、審査が通りローンが組めるのかどうか、実際の車の購入方法や注意点についてご紹介いたしました。

自社ローンを活用するなどして、これまでに述べた方法をうまく利用すれば、任意整理中であってもカーローンを組める可能性は十分にあります。

しかし、その際は当然月々の支出もより増えてしまうので、まずはその辺りのリスクを十分に踏まえた上で購入を検討することをおすすめします。

安心の自社ローン会社ランキング

「車が欲しい!だけど、なかなか審査に通らない…」
 
そんな理想をカタチにする、【最短10日】で納車の柔軟で魅力的な“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。
 
 

営業時間 10:00~19:00
定休日 年中無休(年末年始除く)
保証人有無 要相談
頭金の有無 要相談
金利の有無
支払い回数 最長84回
取扱機種 軽自動車、ミニバン、HV、コンパクトカー、セダン、SUVなど
対応エリア 全国
cococar(ココカー)
住所 東京都品川区東五反田1-6-3 いちご東五反田ビル3階
営業時間 10:00~19:00
定休日 なし
保証人有無 要相談
頭金の有無 要相談
金利の有無
支払い回数 要相談
取扱機種 軽自動車、ミニバン、HV、コンパクトカー、セダン、SUVなど
対応エリア 全国

自社ローンを申込する前に。車のリース会社で申込試してみよう。

≪セールスポイント≫

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頭金不要・毎月定額で契約期間中の税金・車検・オイル交換費用をコミコミに。
距離制限もなく気軽にお乗りいただける中古車サービスです。

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≪セールスポイント≫

○新車が月々5,500円〜乗れます。
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〇即納車を多数取扱いしています
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○WEB掲載以外のリースプランも可能。
○点検・整備 リース期間中の「車検・税金・オイル交換」がコミコミ。
○最大9年の車両保証

≪セールスポイント≫

1、月々6,600円で最新車両をリースできる!
2、車検・税金コミコミ!!全国最安水準のリース料!
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≪セールスポイント≫

KINTOは購入でもシェアでもない、新しいクルマの持ち方です。
3つの大きな特徴があります。

1.頭金なし、月々定額!
2.自動車税・任意保険など、必要な費用がコミコミ!
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≪セールスポイント≫

急成長のカーリース(サブスク)市場
保険の「SONPO」とITの「DeNA」の新サービス
●頭金0円、ボーナス払いなし(全てコミコミで月額定額)
●選べるメンテナンスプラン
●全車種選択が可能(国産、輸入車)
 ※他社と比べ「輸入車」が選べ約300車種は国内最大級です。
●シェアで維持費軽減が可能(anyca連携で維持費軽減)
 ※「カーシェアできるカーリース」最大の特徴です。
●「途中でかえせる」or「最後にもらえる」を選べます。
 ・免許返納、中途解約オプション。カスタマイズが可能
●契約期間も充実(短期・長期に対応)
 ・1〜9年までカスタマイズ可能
●即納車 最短10日納期車両情報を毎月更新
●特選車 台数数・期間限定で車両本体価格をお値引き

≪セールスポイント≫

・個人事業主(Amazon flexや大手荷主先)向けの軽バンリース
・独自システム(※)により、従来審査に通らないほとんどの方にリースの提供が可能
(これまでの審査通過率は98%)
 ※自社開発のデバイスを車両に取り付けることで、
  「エンジンの遠隔起動制御」と「位置情報の把握」が可能。
これにより、支払いが滞った際に車両の回収ができることで金融機関の与信補強を実現。
・業界最安値級の車両本体価格が月額2万円台の中古車リースと、月額3万円の新車リースを提供
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・納車後すぐに働ける

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