For your first card loan, cash advance, or credit card, trust ACOM, a Mitsubishi UFJ Financial Group company. Borrow 24 hours a day, 365 days a year with our app! With a response time of as little as 20 minutes*, you can get a credit card issued the same day. Even if you're in a hurry, rest assured. First-time borrowers can enjoy 0 yen interest for up to 30 days. There are no registration or annual fees.
*Please note that we may not be able to accommodate your request depending on the application status.

ACOM's official app
myac is an app that allows you to check your borrowing, repayment, and usage status with just your smartphone. You can also submit documents here.

[Key Features]
■Easy login with biometric authentication
Log in using fingerprint or facial recognition.
■Check your usage status at a glance
Check your available balance and repayment date on the homepage.
You can borrow, repay, increase your balance, and complete various procedures directly from the app.
■Transfer in as little as 10 seconds, 24 hours a day
We'll transfer funds to your account at any financial institution, free of charge. Of course, you can complete the process from the app.
*Transfer times vary depending on the financial institution you use.
■Notification via Push Notification
You will receive a push notification three days in advance and on the day of payment.
■Documents required for application can also be submitted via the app.
You can take a photo of your driver's license or proof of income and submit it directly.

[First-time Acom Customers]
■Acom's Four Major Benefits
1. 0 yen interest for first-time customers. We offer a 0 yen interest service. No interest is charged for 30 days from the day after the contract date.
2. Speedy application approval. We will show you the quickest route to your loan. Same-day transfers are also possible!
3. Borrowing available 24 hours a day, 365 days a year. No branch visit required for card loans. Borrowing by transfer is available 24 hours a day, 365 days a year, nationwide in Japan, via the app, online, or phone.
4. Includes credit card functionality. Acom credit cards have no annual fee, can be issued as soon as the same day, and statements are not mailed, making them easy to use.

[Acom Card Loan]
■ Benefits of Acom Card Loans
1. Borrowing is available 24 hours a day, 365 days a year when you transfer funds via the app, internet, or phone.
2. Access is available through a diverse network, including Acom ATMs nationwide and affiliated ATMs at convenience stores and other locations.

[Acom Credit Card]
■ Four Major Benefits of Acom Credit Cards
1. No annual fee. Accepted at Mastercard@ affiliated stores in Japan and around the world!
2. Same-day issuance available. Cards can be issued on the spot at some automated contract machines (Mujin-kun).
3. Cash Back. Acom credit cards automatically earn 0.25% cash back on monthly spending.
4. No mailed statements. You can check your statements on the Acom website or app. Since statements are not delivered to your home, your privacy is protected.
■ Tips for Using Acom Cards
1. Versatile! Acom credit cards can be used in a variety of situations. No need to bother handing out cash or coins at convenience stores or supermarkets. Feel free to use it even for small purchases. Accepted at Mastercard@ affiliated stores worldwide. When using, select "One-time payment" as your payment method. It will automatically switch to "Revolving (Installment) Payment."

1. Lump-sum payment is also possible! When making purchases with a credit card revolving payment plan, you typically make fixed monthly payments until the balance is paid off. However, you can also make larger monthly payments if you prefer. No need to contact Acom. This saves you money on fees.
2. Convenient Payments! Payments can be made by bank transfer from your smartphone, computer, or app. You can also deposit funds at Seven Bank or Acom ATMs. If you would like to use automatic direct debit, please contact us separately.

[Borrowing/Usage]
■ Borrowing by Bank Transfer
Transfers can be made in as little as 10 seconds, 24 hours a day! Applications are accepted 24 hours a day, 365 days a year via the internet, phone, or app. Once your application is complete, funds will be transferred to your financial institution account in as little as 10 seconds. You can view your transaction details on the Acom website.

*Transfer times may vary depending on the financial institution you use.
■Three Benefits of Borrowing by Transfer
1. No Fee
2. Borrowing Available 24 Hours a Day, 365 Days a Year
3. If you have a Rakuten Bank account, transfers are available 24 hours a day, in as little as 10 seconds!
■Available Amount and How to Increase Your Amount
The available amount is the amount you can borrow up to the maximum amount specified in your contract. You can borrow repeatedly up to your available amount. The maximum amount will be determined by Acom after reviewing your application, within the amount you applied for.
*You may not be eligible for this service due to late repayments or increased borrowing with other companies.
1. What is an Increase in the Contract Limit?
An increase in the contract limit is different from borrowing additional funds within the contract limit; it refers to increasing your credit limit itself. If you've borrowed up to your contract limit but would like to borrow more, you can apply for a credit limit increase review to raise your credit limit and receive additional credit. For example, if you increase your contract limit from 300,000 yen to 500,000 yen, you'll be able to borrow an additional 200,000 yen.
2. About Credit Limit Reviews
In principle, you'll receive a response on the same day you apply! We offer multiple application methods! Credit limit reviews are available even on weekends and holidays!
3. How to Increase Your Credit Limit
You can apply for a credit limit increase online via the app or member page, by phone, at an Acom ATM, or at an automated contract machine (Mujin-kun).
4. How to Check Your Available Credit Balance
To check your current available credit balance, log in to the app, log in to your member page on the Acom website, and view your "Usage Status," or contact the Acom General Card Loan Desk or visit a branch.
■Four Key Points for Acom Repayments
Please read the following four points to make the most of Acom's convenient services.
1. Email and push notification support for those who forget.

We'll notify you by email and app push notifications three days before the repayment due date, on the repayment date, and even after the due date. We'll provide comprehensive support for your Acom experience.
2. Repayments available 24 hours a day, 365 days a year via the internet or app.
You can repay your loan from your financial institution to Acom 24 hours a day, anywhere, not just at ATMs and affiliated ATMs, but also via the internet or app.

No fees! Repayments available 24 hours a day! Repayments available on weekends and holidays!
*You must apply for internet banking with your financial institution in advance.
3. Repayments are OK even before the due date! Interest is only charged for the number of days used.
For example, if you repay five days earlier than your monthly repayment date, that month's interest will be reduced by five days.
4. Temporarily Reduce Your Scheduled Repayment Amount
If you're worried that your usual repayment amount won't be enough this month, you can temporarily reduce your repayment amount to the minimum amount equal to or greater than the interest.

[Recommended System Requirements]
Android 12.0 or higher
*Customers still using an older version of the OS are recommended to update to the latest version.
*Device-specific issues and environment factors may affect operation.

[Available Convenience Stores/Bank ATMs]
Mitsubishi UFJ Bank / Seven Bank (7-Eleven, Ito-Yokado, etc.) / E-net (FamilyMart, Poplar, Daily Yamazaki, Life, Don Quijote, etc.) / Lawson Bank (Lawson and Natural Lawson) / AEON Bank, etc.

[Card Loan Product Overview]
■ Interest Rate (Effective Annual Rate)
2.4% - 17.9%
*If you enter into a basic contract using the maximum method by January 5, 2026, the interest rate will be 3.0% - 18.0%.
(For those who change their contract after January 6, the minimum rate will be 2.4%)
■ Repayment Period
Minimum same-day repayment and maximum 9 years and 7 months from the last borrowing date
■ Example of Total Card Loan Costs
Loan Amount: ¥100,000, Effective Annual Rate: 17.9%
Repayment Period: 11 installments (¥10,000 repayments every 30 days): Total repayment amount: ¥108,965

[Privacy Policy]
https://www.acom.co.jp/privacy/treatment/

[Loan Terms]
https://www.acom.co.jp/lineup/conditions/

*Approval required. Please check the loan terms and avoid overborrowing.