au PAY smart loan official app. You can easily borrow and repay from the app. As a general rule, you can borrow and repay cash at Seven Bank smartphone ATMs 24 hours a day, 365 days a year. You can check the transaction status and repayment date, so you can use the service safely and conveniently. You can also make a new application on the au PAY Smart Loan official website from the app.

■■■ [Main functions] ■■■
(1) Seven Bank Smartphone ATM
As a general rule, you can borrow and repay in cash at Seven Bank ATMs nationwide 24 hours a day, 365 days a year.

(2) You can check the current usage status of customers.
・ Available amount
・ Balance
・ Usage limit
・ Next repayment date
・ Next repayment amount

(3) You can check the contract details and transaction history.
・ Confirmation of contract details
・ Check transaction history
・ Check the list of contract conclusion documents

(4) You can check various information and messages.

■■■ [Procedures can also be made from the app] ■■■
You can switch to the au PAY smart loan from the app and perform the following procedures.

(1) New application
Customer information registered in your au ID is automatically reflected, so you can apply smartly with a small number of items.

(2) Other borrowing and repayment methods
You can also use the au PAY balance charge, borrowing by transfer to the registered account, transfer to the designated account, and repayment method by withdrawal from the registered account.

(3) You can check and change your registration information.
・ Confirmation / change of customer information
・ Registration / change of account information
・ Reset PIN
・ Change email address and notification settings

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Real annual rate 2.90% -18.00%
(Daily calculation with 365 days per year (366 days in leap years))
* For those who applied before April 28, 2020, the actual annual rate is 8.00% -18.00%.

Number of repayments: 3 to 60 times
Repayment period: 3 to 60 months

Real annual rate 18.00% (15.00% for borrowed amount of 1 million yen)
If the loan amount is 10,000 yen and the repayment amount is 4,000 yen, 3 months / 3 times
If the loan amount is 100,000 yen and the repayment amount is 4,000 yen, 32 months / 32 times
If the loan amount is 200,000 yen and the repayment amount is 8,000 yen, 32 months / 32 times
If the loan amount is 300,000 yen and the repayment amount is 11,000 yen, 36 months / 36 times
If the loan amount is 400,000 yen and the repayment amount is 11,000 yen, 53 months / 53 times
If the loan amount is 500,000 yen and the repayment amount is 13,000 yen, 58 months / 58 times
If the loan amount is 600,000 yen and the repayment amount is 16,000 yen, 56 months / 56 times
If the loan amount is 700,000 yen and the repayment amount is 18,000 yen, 59 months / 59 times
If the loan amount is 800,000 yen and the repayment amount is 21,000 yen, 57 months / 57 times
If the loan amount is 900,000 yen and the repayment amount is 23,000 yen, 60 months / 60 times
If the loan amount is 1 million yen and the repayment amount is 24,000 yen, 60 months / 60 times

Real annual rate 18.00%
Loan amount 200,000 yen
Monthly repayment principal 8000 yen
Number of repayments 32 times
Total repayment amount 252,544 yen

Interest calculation method Balance used (principal) x borrowing interest rate (real annual rate) ÷ 365 x number of days
* If the borrowing year is a leap year, the calculation will take 366 days.