dスマホローン is an Android-based loan service offered by NTT DOCOMO. It is an easy-to-use loan service that can be accessed via your d-account. The loan service offers a maximum interest rate of 3.0%, which is applicable based on your usage of d-card and other services provided by DOCOMO (※1). You can even borrow from your d-payment balance, making it more convenient to use(※2).

The app-based service allows you to apply and contract the loan easily. You can log in to your d-account and enter the necessary information, including taking photos of your identity verification documents from the app. After the review, you can complete the contract by registering your financial institution account details through the app (※3).

The loan service offers two borrowing methods: borrowing from your d-payment balance and borrowing to your financial institution account. You can choose either of these methods every time you borrow (※4).

You can also make additional repayments at any time. In addition to automatic monthly withdrawals from your registered financial institution account, you can choose to make additional repayments from your d-payment balance or transfer to the specified account (※5).

You can easily check your monthly withdrawal date, withdrawal amount, and loan balance at any time.