Seven Bank Card Loan: Learn How to Easily Apply Today

In this guide, we’ll dive into the specifics of the Seven Bank Card Loan and walk you through how to apply. 

Grasping these details is essential for prospective borrowers seeking to make well-informed choices. Our goal is to offer a straightforward and brief summary to assist you in examining the loan alternatives at your disposal. 

By the conclusion of this guide, you’ll possess the required information to effortlessly apply for a Seven Bank Card Loan.

Seven Bank Loan Overview

A versatile financial solution, the Seven Bank Card Loan caters to a diverse range of borrowing requirements. It provides options for different loan types, borrowing limits, and repayment plans, ensuring adaptability to suit your needs.


This guide is designed to give you a comprehensive understanding of the Seven Bank Card Loan. By getting to know its attributes, you’ll be equipped to decide if it aligns with your financial goals.

The loan is available to a broad spectrum of applicants, including foreign nationals living in Japan. Offering competitive interest rates, it presents an attractive choice for individuals in need of short-term financial support.

How to Utilize Seven Bank’s Loan Service: Steps

Seven Bank’s Loan Service offers a straightforward process for both account holders and non-account holders. 


Whether you’re looking to manage your finances better or need quick access to funds, these steps will guide you through using the service efficiently.

1. Initiate Your Application

Start by visiting the application page here. Fill in the necessary details and upload your identity verification documents online.

2. Await Screening Results

They’ll send the results of your application to your registered email, typically within a few business days.


3. Commence Loan Service

Upon agreement completion, you’ll receive an email notification. Then, you can access funds via Seven Bank ATMs nationwide or through our Direct Banking Service.

Procedure for Opening an Account: Steps

If you don’t have an account yet, follow the steps below:

  • Step 1: Register your email address. You’ll receive a link to proceed with your application. Ensure to complete this within 24 hours, or you’ll need to restart the process.
  • Step 2: Use the email link to enter your personal information on the application page, agreeing to the terms and conditions.
  • Step 3: To open an account, you’ll receive documents to be returned with two identity verification documents to establish your Seven Bank login credentials.
  • Step 4: Cards are dispatched via simple registered post. The delivery time varies based on the type of card applied for. You’ll be notified by email with a tracking number once the card is sent.
  • Step 5: To use our Direct Banking Service, you must complete the initial setup for the Seven Bank International Money Transfer App and register for the service.

Important Notes on Seven Bank’s Loan Service

Seven Bank Ltd offers a loan service in partnership with Acom Co., Ltd., providing financial solutions to eligible customers. 

Before applying, it’s essential to understand the key aspects of this service.

  • Screening Process: Applications are evaluated by Seven Bank and Acom Co., Ltd. Approval is not guaranteed.
  • Eligibility: Customers must meet all criteria, including age and screening standards.
  • Agreement Term: 1 year with automatic renewal based on terms and conditions.
  • Repayment: If Acom Co., Ltd. covers a customer’s debt, they will handle future transactions.

Eligibility Criteria:

  1. Seven Bank account holders (individuals).
  2. Age 20 to 69 at the time of agreement.
  3. Meet screening standards and eligible for a guarantee from Acom Co., Ltd.
  4. Foreign nationals must have permanent resident status in Japan.

Note: New loans are not possible on the 1st day of the following month after a customer turns 71 years old.

Contact Center (Japanese):

  • Service Hours: Monday to Saturday, 9:00 AM to 6:00 PM (Excluding Sundays, National Holidays, and December 31 to January 3)
  • Seven Bank Account Holders: 0088-21-1189 (Toll-free), 03-5610-7730 (Charges apply)

Note: Suspension of accounts due to reasons such as lost cards is accepted 24 hours a day, 365 days a year.

Contact Center (English):

  • Service Hours: Monday to Saturday, 9:00 AM to 6:00 PM (Excluding Sundays, National Holidays, and December 31 to January 3)
  • Contact: 0120-937-711 (Toll-free) or 03-5610-7791 (Charges apply)

Note: Suspension of accounts due to reasons such as lost cards is accepted 24 hours a day, 365 days a year.

5 Key Features of the Seven Bank Loan Service You Should Know

There are five features offered by Seven Bank: the online application, transactions, access, monthly repayment, and account statements. 

1. Online Application

The application and agreement process can be completed entirely online using a smartphone or PC

This convenience allows for a seamless and efficient experience.

2. Use Seven Bank Cash Card for Transactions

No separate loan card is needed. Your Seven Bank cash card can be used for transactions at ATMs nationwide.

If you don’t have a Seven Bank account, you can apply for one simultaneously with the loan service application.

Account opening may take 1 to 2 weeks, so it’s advisable to plan your application accordingly.

3. 24/7 Access to Loans at ATMs

You can borrow and repay loans anytime through Seven Bank ATMs or the Direct Banking Service, without incurring any fees.

For the Direct Banking Service, borrowed amounts are conveniently transferred to your ordinary deposit account.

4. Fixed Monthly Repayment

Repayments are scheduled for the 27th of each month, with the amount varying based on the outstanding loan balance.

You have the option to make additional repayments at any time, in addition to the scheduled monthly repayment.

5. Online Account Statements

You can easily check your account statements online, providing a convenient way to monitor your loan balance and transactions.

Interest Rates for Seven Bank’s Loan Service

The interest rates for loans vary based on the borrowing limit:

  • Borrowing limit of 100,000 yen, 300,000 yen, or 500,000 yen: 15% per annum (as of December 20, 2021, subject to change).
  • Borrowing limit of 700,000 yen or 1,000,000 yen: 14% per annum (as of December 20, 2021, subject to change).
  • Borrowing limit of 1,500,000 yen or 2,000,000 yen: 13% per annum (as of December 20, 2021, subject to change).
  • Borrowing limit of 2,500,000 yen or 3,000,000 yen: 12% per annum (as of December 20, 2021, subject to change).

Please note that these rates are subject to change.

Final Thoughts

In summary, the Seven Bank Card Loan offers a versatile and convenient financial solution for a wide range of borrowing needs. 

With its straightforward application process, competitive interest rates, and flexible repayment options, it’s an attractive choice for individuals seeking quick access to funds. 

By following the steps outlined in this guide, you can efficiently apply for and utilize the Seven Bank Loan Service to meet your financial goals.


This guide is intended for informational purposes only and is not a substitute for professional financial advice. 

The terms and conditions of the Seven Bank Card Loan, including interest rates and eligibility criteria, are subject to change. 

Always consult with Seven Bank or a financial advisor for the most up-to-date information before making any financial decisions.