Are you applying for a Rakuten Super Loan and wondering what happens after pre-screening? Whether you’re financing a major expense or consolidating debt, understanding the full loan screening process is crucial to getting approved.
In this guide, you’ll learn
What to expect after passing the pre-screening How to prepare your income and credit documents Actionable tips to improve your chances of full approval
🟡 Step 1: What Happens After Passing the Pre-Screening?
Passing the pre-screening means you’ve cleared the first hurdle — but the process isn’t over. You now enter the full screening phase, where Rakuten Bank conducts a comprehensive review of your creditworthiness.
Important: Even if you pass the pre-screening, you can still be denied at the full screening stage.
📄 Step 2: Income Verification and Credit Check
During full screening, Rakuten requires detailed documentation to verify:
Typical documents include:
💡 Tip: Submit clear, up-to-date digital copies in PDF format. Incomplete or blurry uploads can delay or derail your application.
- Employment status
- Monthly income
- Credit score and debt obligations
- Recent pay slips (給与明細)
- Tax returns (確定申告書)
- Proof of bonus payments or side income
- Bank statements showing stable cash flow
📞 Step 3: On-Site Verification or Phone Interview
For certain applicants, Rakuten may require:
- A short phone interview
- Or even a home address verification via mail or in-person
This is especially common if
Your address doesn’t match official documents Your employment situation is irregular You’re self-employed or freelance Once your full screening is complete, you’ll receive an official email or notification through your Rakuten Bank account.
📬 Step 4: Notification of Results and Loan Disbursement
If approved:
- Funds are transferred within a few business days
- You’ll receive details on interest rates, monthly payments, and due dates
If denied:
- Don’t panic — explore alternatives like:
- Personal loans from SBI Sumishin Net Bank
- Acom or Promise loans for low-credit applicants
- Secured credit cards to build your credit
🚀 Pro Tips to Boost Your Approval Chances
Want to increase your odds of success in Rakuten’s full screening? Here’s what works:
1. Improve Your Credit Score
Pay all bills and credit cards on time Keep your credit utilization below 30% Avoid applying for multiple loans in a short span
✅ 2. Maintain a Steady Income Flow
- Avoid job changes during the application period
- Report all side gigs or freelance income
- If you’re self-employed, include tax returns from at least two fiscal years
✅ 3. Monitor Your Credit Report
- Request a free credit report from JICC or CIC
- Dispute any errors before applying
- Know your score before entering full screening
🤔 Frequently Asked Questions
Q1: What’s the minimum credit score for Rakuten Super Loan?
Rakuten doesn’t publicly disclose the threshold, but most approved applicants have scores over 650. A score below 600 may require additional guarantees or documentation.
Q2: Can foreigners or expats apply?
Yes, if you have:
- A valid resident status
- Stable income from a Japanese employer
- Japanese-language documentation
Q3: How long does the full screening take?
It typically takes 3 to 7 business days, depending on how quickly you submit documents and whether additional interviews are needed.
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