SMBC Mobit

SMBC Mobit (SMBCモビット) is a Japanese consumer finance brand that provides unsecured personal loans and card loan (card loan) services. It was originally established on May 17, 2000, as a joint venture led by The Sanwa Bank (later UFJ Bank, now MUFG Bank) together with consumer finance company Promise (now SMBC Consumer Finance) and credit sales company APLUS. Operations began on September 18, 2000. The brand name "Mobit" is a portmanteau of "Mobile" and "Money" (Mo) and "Bit," reflecting the information age. After APLUS withdrew its capital, Sumitomo Mitsui Banking Corporation acquired a stake in July 2004, making the company an equity-method affiliate. In 2012, MUFG and SMBC Consumer Finance announced the dissolution of their joint venture. A company split in fiscal 2013 transferred the core unsecured loan business to SMBC, while the guarantee business for regional banks was inherited by MUFG and a new company, MU Credit Guarantee, established with Acom. On March 1, 2014, the guarantee business was transferred, and MUFG sold its shares to SMBC, making Mobit a wholly SMBC-affiliated company. On December 1, 2017, the company changed its trade name to SMBC Mobit Co., Ltd. and updated its logo to align with the SMBC brand. On July 1, 2023, SMBC Mobit Co., Ltd. was absorbed through a merger into Sumitomo Mitsui Card Company, Limited, and SMBC Mobit became a loan brand of Sumitomo Mitsui Card. The brand continues to offer products such as the Mobit Card, which allows applications online with screening completed in about 30 minutes, and the "Mobit VISA-W" credit-integrated card. Services include web-complete transactions, smartphone ATM transactions, PayPay Money charging, and V Points. The brand also offers "SMBC Mobit premium/plus," a preferential interest rate card loan exclusively for Sumitomo Mitsui Card members. SMBC Mobit has been known for its TV commercials featuring actors such as Naoto Takenaka and Kaori Momoi, and more recently Fuka Koshiba in the "Butler" series.

SMBC Mobit was established on May 17, 2000, as a joint venture led by The Sanwa Bank (later UFJ Bank, now MUFG Bank) with investments from consumer finance company Promise (now SMBC Consumer Finance) and credit sales company APLUS. It began operations on September 18, 2000, as one of the first consumer finance companies established by a major city bank, following Sakura Loan Partner (later At-Loan) under Sakura Bank. The brand name "Mobit" combines "Mobile" and "Money" (Mo) with "Bit," reflecting the information age. After APLUS withdrew its capital, Sumitomo Mitsui Banking Corporation acquired a stake on July 14, 2004, making the company an equity-method affiliate of SMBC. This created a situation where the company belonged to Mitsubishi UFJ Financial Group (MUFG) but had indirect investment from Sumitomo Mitsui Financial Group (SMFG), effectively a joint venture. On September 27, 2012, MUFG and SMBC Consumer Finance announced the dissolution of the joint venture. According to the announcement, a company split in fiscal 2013 would transfer the core unsecured personal loan business to SMBC, while the guarantee business for regional banks would be inherited by MUFG. MUFG would establish a new company with Acom to take over the guarantee business. On March 1, 2014, the guarantee business was transferred to MU Credit Guarantee Co., Ltd., established by MUFG and Acom. At the same time, MUFG transferred its shares in Mobit to SMBC, making the company wholly under SMBC. From January 4, 2013, borrowing and repayment became possible at Sumitomo Mitsui Banking Corporation ATMs. On December 1, 2017, the company changed its trade name to "SMBC Mobit Co., Ltd." to clarify its position as an SMFG group company, and updated its logo to align with SMBC. On July 1, 2023, SMBC Mobit Co., Ltd. was absorbed through a merger into Sumitomo Mitsui Card Company, Limited, and SMBC Mobit became a loan brand of Sumitomo Mitsui Card. The brand continues to offer services such as the Mobit Card, which allows online applications with screening completed in about 30 minutes, and the "Mobit VISA-W" credit-integrated card. It also provides "SMBC Mobit premium/plus," a preferential interest rate card loan exclusively for Sumitomo Mitsui Card members. The brand has been known for its TV commercials, initially featuring Kaori Momoi and Naoto Takenaka, and later Fuka Koshiba in the "Butler" series from 2019.

• Established as a joint venture led by The Sanwa Bank with Promise and APLUS.

• Began operations as a consumer finance company.

• Sumitomo Mitsui Banking Corporation acquired a stake, making it an equity-method affiliate.

• MUFG and SMBC Consumer Finance announced dissolution of the joint venture.

• Borrowing and repayment became possible at Sumitomo Mitsui Banking Corporation ATMs.

• Guarantee business transferred to MU Credit Guarantee; MUFG sold shares to SMBC, making it wholly SMBC-affiliated.

• Changed trade name to SMBC Mobit Co., Ltd. and updated logo.

• Merged into Sumitomo Mitsui Card Company, Limited, becoming its loan brand.

A consumer finance brand under the SMBC Group, offering fast-screening card loans and integrated financial services.

• Mobit Card

  A card loan product allowing online application with screening completed in about 30 minutes; borrowing available at partner ATMs including Sumitomo Mitsui Bank, Seven Bank, and Japan Post Bank.

• SMBC Mobit premium/plus

  A preferential interest rate card loan exclusively for Sumitomo Mitsui Card members, applied via the official website.

• Mobit VISA-W

  A credit-integrated card combining loan and credit card functions.

• Transfer cash advance

  A service allowing cash advances via PC, smartphone, or phone.

1. 1キャッシング、カードローンはSMBCモビット【公式サイト】mobit.ne.jp
2. 2キャッシング、カードローン、ローンはSMBCモビットmobit.ne.jp
3. 3ニュース：キャッシング、カードローン、ローンはSMBCモビットmobit.ne.jp
4. 4SMBCモビット - Wikipediaja.wikipedia.org
5. 5SMBC Mobit - Wikidatawikidata.org