アコム公式アプリ myac カードローン・クレジットカード

For your first card loan, cash advance, or credit card, leave it to ACOM, a Mitsubishi UFJ Financial Group company. With our app, you can borrow money 24/7, 365 days a year! We offer approval in as little as 20 minutes* and same-day credit card issuance. Perfect for those in a hurry. Plus, first-time users enjoy up to 30 days of interest-free borrowing. There are no membership or annual fees.

*Depending on application status, we may not be able to meet your request.

ACOM's Official App

myac is an app that lets you check your borrowing, repayment, and usage status with just your smartphone. You can also submit documents here.

[Main Features]

■Easy Login with Biometric Authentication

Login using fingerprint or facial recognition.

■Check Your Usage Status at a Glance

Check your available balance and repayment date on the top page.

You can perform various procedures such as borrowing, repayment, and increasing your loan amount directly from the app.

■Transfers in as Little as 10 Seconds, 24 Hours a Day

We transfer funds to your bank account free of charge. Of course, all procedures are done through the app. *Transfer processing times vary depending on your financial institution.

■ Push Notifications

You will receive push notifications three days before and on the payment date.

■ Submit Required Documents via the App

You can submit your driver's license and income verification documents by simply taking photos.

【First Time with ACOM】

■ ACOM's Four Major Advantages

1. 0% Interest for First-Time Users. We are currently offering a 0% interest service. No interest is charged for 30 days from the day after the contract date.

2. Speedy Approval. We'll show you the shortest route to borrowing. Same-day transfers are possible!

3. 24/7 Borrowing Available. No visit is required for card loan borrowing. For transfer borrowing, you can borrow 24/7, 365 days a year, nationwide in Japan, via the app, internet, or phone.

4. Credit Function Included. ACOM's credit card has no annual fee, is issued as quickly as the same day, and does not send statements by mail, making it easy to use.

[ACOM Card Loan]

■ Advantages of ACOM Card Loan

1. You can borrow money 24 hours a day, 365 days a year, via app, internet, or telephone transfer.

2. You can use it through a diverse network including ACOM ATMs nationwide and partner ATMs installed in convenience stores, etc.

[ACOM Credit Card]

■ Four Major Advantages of ACOM Credit Card

1. No annual fee. It can be used at Mastercard merchants in Japan and around the world!

2. Issued as quickly as the same day. At some automated contract machine (Mujinkun) corners, the card can be issued on the spot.

3. Cashback. ACOM credit card automatically gives you 0.25% cashback on your monthly spending.

4. No mailed statements. You can check your statements on the ACOM website or app. Your privacy is protected as statements are not sent to your home.

■ Points to Note on How to Use

1. Usable in various places! ACOM credit card can be used in a variety of situations. You won't have to bother with cash or coins at convenience stores or supermarkets. Feel free to use it even for small purchases. It can be used at Mastercard merchants worldwide. When using it, please select "Single Payment" as your payment method. It will automatically be set to "Revolving (Installment) Payment."

1. Lump-sum payment is also possible! When using credit card revolving payments, it's common to pay a fixed amount each month until the debt is fully repaid, but you can also pay more than the monthly amount according to your convenience. No need to contact ACOM. This saves you on fees.

2. Convenient payments! Payments can be made via bank transfer from your smartphone, computer, or app. You can also deposit money at Seven Bank and ACOM ATMs. If you wish to use automatic debit (direct debit), please contact us separately.

【Borrowing and Usage】

■Borrowing by Bank Transfer

24-hour transfer in as little as 10 seconds! Applications can be made 24 hours a day, 365 days a year via the internet, phone, or app. After completing your application, the funds will be transferred to your bank account in as little as 10 seconds. You can check your transaction details on the ACOM website.

*Transfer times vary depending on your financial institution.

■Three Advantages of Borrowing via Bank Transfer

1. No fees

2. Borrowing available 24 hours a day, 365 days a year

3. If you have an account with Rakuten Bank, transfers are available 24 hours a day, in as little as 10 seconds!

■Available Amount and How to Increase It

The available amount is the amount you can borrow up to the contract limit stated in your contract. You can repeatedly use the available amount. The contract limit will be determined by ACOM after reviewing your application amount.

*You may be unable to use the service if you are late on repayments or if your borrowing from other companies increases.

1. What is Increasing the Contract Limit?

Increasing the contract limit is different from additional borrowing within the contract limit; it means raising the credit limit itself. If you have borrowed up to your contracted credit limit but wish to borrow additional funds, you can apply for a credit limit increase review. This will raise your credit limit and allow you to borrow more. For example, if you increase your contracted credit limit from 300,000 yen to 500,000 yen, you can borrow an additional 200,000 yen.

2. About Credit Limit Increase Review

Generally, we will respond on the same day you apply! Multiple application methods are available! Credit limit increase reviews are possible even on weekends and holidays!

3. How to Increase Your Contracted Credit Limit

To apply for a credit limit increase, you can apply online through the app or member page, by phone, at ACOM ATMs, or at an automated contract machine (Mujinkun).

4. How to Check Your Available Credit Limit

To check your current available credit limit, please log in to the app or the 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 Repaying Your ACOM Loan

Please review the following four points to make the most of your ACOM loan.

1. Support for "Accidental Forgetting" with Email and Push Notifications

We will notify you via email and app push notifications three days before your repayment due date, on the due date itself, and for repayments made after the due date. We provide thorough support for your ACOM usage.

2. Repayment Available 24/7 via Internet and App

In addition to ATMs and partner ATMs, you can repay your ACOM loan anytime, anywhere, 24 hours a day, from your financial institution via the internet or app.

No fees! 24-hour repayment OK! Repayment possible even on weekends and holidays!

*Prior application for internet banking at your financial institution is required.

3. Early Repayment is OK! Interest is Only Charged for Days Used

For example, if you repay five days earlier than your monthly repayment date, the interest for that month will be reduced by five days' worth.

4. Temporary Reduction of Contracted Repayment Amount is Possible

"This month, the usual repayment amount is a little difficult..." In such cases, it is possible to temporarily repay the minimum amount exceeding the interest.

[Recommended Environment]

Android 13.0 or higher

*Customers using older versions of the OS are advised to update to the latest version.

*Some limitations may occur in operation depending on device-specific issues and environment.

[Available Convenience Stores/Bank ATMs]

Mitsubishi UFJ Bank / Seven Bank (Seven-Eleven, Ito-Yokado, etc.) / E-net (FamilyMart, Poplar, Daily Yamazaki, Life, Don Quijote, etc.) / Lawson Bank (Lawson, Natural Lawson) / AEON Bank, etc.

[Card Loan Terms and Conditions]

・Lending Interest Rate (Effective Annual Rate): 2.4% to 17.9%

*If a basic revolving credit agreement is concluded by January 5, 2026 The combined interest rate is 3.0% to 18.0%.

(For those who changed their contract after the 6th of the same month, the lower limit is 2.4%)

* Contract limit: 10,000 yen to 8,000,000 yen

* Repayment method: Fixed-rate revolving method

* Repayment period and number of installments: Up to 9 years and 7 months from the last borrowing date, 1 to 100 installments

* Late payment penalty: 20.0%

* Collateral/Guarantor: Not required

* Example of total costs for a card loan

Borrowing amount: 100,000 yen, effective annual interest rate 17.9%

Number of repayments: 11 installments (10,000 yen repaid every 30 days),

Total repayment amount: 108,965 yen

[Privacy Policy]

https://www.acom.co.jp/privacy/treatment/

[Loan Conditions]

https://www.acom.co.jp/lineup/conditions/

* Screening required / Please check the loan conditions and be careful not to borrow too much.

[Repayment Simulation]

https://www.acom.co.jp/return/simulation/

Please carefully review the contract details.

Maintain a balance between income and expenses. Create a manageable repayment plan.

Contracts are subject to review.

Company Name: ACOM Co., Ltd.

Phone: 0120-07-1000

Registration Number: Kanto Local Finance Bureau Director (15) No. 00022

Registration Validity Period: December 21, 2025 - December 20, 2028

Member of the Japan Lending Industry Association No. 000002

Designated Dispute Resolution Organization for Lending Business Contracted by Our Company

Japan Lending Industry Association Lending Business Consultation and Dispute Resolution Center

*The above information is as of July 27, 2026. Please refer to the following URL for the latest information.

https://www.acom.co.jp/lineup/conditions/