Loan Services (Card Loan)
Click here to apply
You need a Seven Bank account to apply for the Loan Service.
If you have a Seven Bank account
If you do not have a Seven Bank account
Procedure for using the Loan Service
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1
File an application (submit identity verification documents)
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Click here to move to the Application page, and enter and send the required information. You can submit your identity verification documents online.
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2
Receive a notice of screening results
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We will notify you of the screening results by email to your registered email address (within a few business days at earliest).
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3
Receive a notice of completion of the agreement procedure, and start using the Loan Service
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We will notify you of the completion of the agreement procedure by email to your registered email address.
After receiving the notice, you can borrow money via Seven Bank ATMs installed nationwide or through the Direct Banking Service.
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- ・The application (new or additional limit) is screened by Seven Bank and the guarantee company,
Acom Co., Ltd.
Note that your Loan Service application may not be accepted depending on the screening result. - ・The Loan Service is only available to customers who meet all of the following conditions.
- (1)Seven Bank account holders (individuals)
- (2)Customers who are at least 20 years old and less than 70 years old at the time of the agreement.
- (3)Customers who meet certain screening standards and are eligible to receive a guarantee from the guarantee company designated by Seven Bank (Acom Co., Ltd.)
- (4)In the case of customers who are foreign nationals, those having the status of permanent resident in Japan
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Screening Time
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The agreement term is 1 year (until the last day of the month after 1 year from the agreement
date). In addition, an automatic renewal is carried out based on the
Loan Service Terms and Conditions
(new borrowing is not possible on the 1st day of the following month after a customer turns 71 years old).
- ・If the guarantee company Acom Co., Ltd. repays the debt to Seven Bank instead of the customer due to circumstances in which repayment continues to be past due, Acom Co., Ltd. will become the customer's service counter for transactions thereafter.
Five features of the Seven Bank Loan Service
Application is completed online
You can easily complete the whole procedure online, from filing an application to executing an agreement, using your smartphone or PC.
Loan transactions can be made using Seven Bank cash card
We do not issue a card dedicated for the Loan Service. You can use your Seven Bank cash card to make loan
transactions via Seven Bank ATMs installed nationwide.
If you do not have a Seven Bank account, you can apply for an account upon applying for the Loan Service.
Loans are available via Seven Bank ATMs installed nationwide, 24 hours, 365 days
You can make loan transactions via Seven Bank ATMs installed nationwide or through the Direct Banking Service, on any day and at any time, without any borrowing or repayment fee. If you use the Direct Banking Service to borrow money, you will receive the borrowing amount in your ordinary deposit account. If you withdraw the borrowing amount from your ordinary deposit account via an ATM, you may be required to pay the prescribed ATM use fee.
| Times when borrowing is available | Borrowing method | Unit of borrowing amount | |
|---|---|---|---|
| Seven Bank ATMs*1 | 24 hours, 365 days, in principle | Receiving cash (using a cash card*2) | 1,000 yen |
| Direct Banking Service*3 | Transfer to ordinary deposit | 1 yen |
- ＊1You cannot borrow money using your Seven Bank cash
card via other ATMs.
The borrowing amount is included in your limit for withdrawal at ATM. - ＊2The same cash card PIN applies to loan transactions and deposit transactions.
- ■Borrowing limit
The maximum borrowing limit is 500,000 yen upon a new
loan application, and 500,000 yen or 3,000,000 yen upon an
application for an increase of the borrowing limit.
We determine the borrowing limit for each applicant based on the screening results.
- ＊We accept applications for an increase of the borrowing limit from customers with at least six months of transaction records after the initial borrowing.
Monthly amount of repayment is fixed, enabling planned repayment
- ■Scheduled repayment
On the 27th day of each month (if it falls on a Saturday, Sunday or national holiday, the following business day), the prescribed amount is withdrawn from the borrower’s ordinary deposit account as monthly repayment (*the repayment amount varies depending on the loan balance as of the scheduled repayment date in the preceding month as specified in the table below).
The first repayment is made on the second monthly repayment date (27th day) after a new borrowing was made. If a new borrowing is made on the monthly repayment date, monthly repayments start on the first monthly repayment date.
| Loan balance as of the scheduled repayment date in the preceding month | Monthly repayment (scheduled repayment) |
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| Not more than 100,000 yen | 2,000 yen |
| More than 100,000 yen but not more than 200,000 yen | 4,000 yen |
| More than 200,000 yen but not more than 400,000 yen | 6,000 yen |
| More than 400,000 yen but not more than 600,000 yen | 8,000 yen |
| More than 600,000 yen but not more than 800,000 yen | 10,000 yen |
| More than 800,000 yen but not more than 1,000,000 yen | 15,000 yen |
| More than 1,000,000 yen but not more than 1,500,000 yen | 20,000 yen |
| More than 1,500,000 yen but not more than 2,000,000 yen | 25,000 yen |
| More than 2,000,000 yen | 35,000 yen |
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When borrowing for the first time, or when borrowing again after repaying the entire amount, the
normal monthly repayment date is different from the initial monthly repayment date. Refer to the link
below for further details.
When borrowing for the first time, or when borrowing again after repaying the entire amount
- ■Optional repayment
In addition to the scheduled (monthly) repayment, you can repay your loan by paying an amount you wish to repay into your account at any time.
Click here for details about the repayment method
Account statements can be checked online
You can check your account statements online, with your privacy properly secured.
Interest
The borrowing interest rate differs depending on the borrowing limit.
| Borrowing limit 100,000 yen 300,000 yen 500,000 yen |
15.000% per annum |
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| Borrowing limit 700,000 yen 1,000,000 yen |
14.000% per annum |
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| Borrowing limit 1,500,000 yen 2,000,000 yen |
13.000% per annum |
| Borrowing limit 2,500,000 yen 3,000,000 yen |
12.000% per annum |
Valid between December 20, 2021 today's date
Click here for details about the interest
Click here to apply
You need a Seven Bank account to apply for the Loan Service.
If you have a Seven Bank account
If you do not have a Seven Bank account
- Related Information