アコム公式アプリ myac カードローン・クレジットカード
4.2star
5.23K reviews
500K+
Downloads
Everyone
info
About this app
Leave your first card loan, cash advance, or credit card to Acom. With the app, you can borrow 24 hours a day, 365 days a year! A credit card can be issued on the same day after completing the screening in as little as 20 minutes*. You can rest assured even if you are in a hurry. Also, if you are a first-time user, interest is 0 yen for up to 30 days. There is no joining fee or annual fee.
*Depending on the application status, we may not be able to accommodate your request.
Acom is the No. 1 card loan that provides a sense of security even for first-time users.
*〈Survey overview〉 Survey method: Internet survey Survey period: December 1st to December 5th, 2022 Survey overview: Site comparison image survey targeting 10 “card loan” sites Survey target: 1532 people, men and women, 20 Ages 69 to 69, nationwide Survey conducted by Do House Co., Ltd. Comparison companies: Google search for "card loan" Top 10 companies (as of 17:00 on November 7, 2022) *Articles, advertisements, and summary sites of banks Excludes card loans
Acom official app
my ac is an app that allows you to check borrowings, repayments, and usage status using just your smartphone. You can also submit documents here.
[Main functions]
■Easy login with biometric authentication
You can log in using fingerprint authentication or face authentication.
■Check usage status at a glance
You can check the available amount and repayment date on the top page.
You can perform various procedures such as borrowing, repaying, and increasing the amount directly from the app.
■Transfer within 10 seconds within 24 hours
Money will be transferred to a financial institution account in the customer's name free of charge. Of course, all procedures can be done through the app.
*The transfer time varies depending on the financial institution used.
■Notification via push notification
We will notify you of the payment date by push notification 3 days in advance and on the same day.
■Submit the documents required for application using the app
You can take a photo of your driver's license or income certificate and submit it as is.
[First time at ACOM]
■Four major benefits of ACOM
1. If it's your first time, the interest rate is 0 yen. Currently offering 0 yen interest rate service. If you are a first-time customer, no interest will be charged for 30 days from the day after the contract date.
2. Speedy screening is possible. We will tell you the shortest route to borrowing. Same-day transfer is also possible!
3. Borrowing is possible 24 hours a day, 365 days a year. You don't need to visit our store to get a card loan. If you are borrowing by transfer,
Borrowing is possible 24 hours a day, 365 days a year, all over Japan via the app, the internet, or by phone.
4.With credit function. Acom's credit card is easy to use as it has no annual fee, is issued on the same day, and does not send your statement by mail.
[Acom card loan]
■Advantages of Acom card loan
1. You can borrow 24 hours a day, 365 days a year, by transferring money via app, internet, or phone.
2. It can be used across a variety of networks including in-store counters, ACOM ATMs, and affiliated ATMs installed at convenience stores, etc. nationwide.
[Acom credit card]
■Four major benefits of Acom credit card
1.No annual fee. You can use it at Mastercard@ member stores around the world, including Japan, and there is no annual fee!
2.Issue on the same day at the earliest. Cards can be issued on the spot at some automatic contract machine (Mujin-kun) corners.
3.Cashback. Acom credit cards automatically give you 0.25% cash back on your monthly usage amount.
4. No usage statement mailed. You can check your usage details on the ACOM website or app. Your privacy is also protected because your statement will not be delivered to your home.
■Points for usage
1. It can be used in various places! Acom's credit card can be used in various situations. There is no need to take out cash or coins at convenience stores or supermarkets. Please feel free to use even small amounts. Available at all Mastercard@ participating merchants around the world. When using the service, please select "one-time payment" as your payment method. It will automatically become a revolving (installment) payment.
Acom's credit card will enrich your life.
・Online shopping with credit card!
・You can also use your credit card at convenience stores!
・Pay for your smartphone with a credit card!
・Taxi also uses credit card!
- Conveniently use your credit card while traveling!
・Enjoy your overseas travel with a credit card!
・You can also use electronic money, code payment, and QR payment with credit card!
2. Lump-sum payment is also possible! When making a purchase using revolving credit card payments, it is common to pay a fixed amount every month until the purchase is completed, but with Acom's credit card, you can also pay more than the monthly amount depending on your convenience. Masu. There is no need to contact ACOM. This will save you fees.
3. Convenient payment! In a way that suits you. Payment can be made by bank transfer from your smartphone, computer, or app. You can also deposit money at Seven Bank and Acom ATMs. If you would like to use bank account transfer (automatic withdrawal), please contact us separately.
[Borrowing/Using]
■Borrowing by transfer
Delightful 24-hour transfer in as little as 10 seconds! Applications can be made 24 hours a day, 365 days a year, 365 days a year through the internet, phone, or app, such as, ``I don't have time to go to an ACOM ATM'' or ``I have a lot of withdrawals this month, so my living expenses are a bit low.'' After completing the application, the funds will be transferred to the financial institution account in the customer's name within 10 seconds at the earliest. You can check your transaction details on the ACOM homepage.
*The transfer time varies depending on the financial institution used.
■Three benefits of borrowing by transfer
1.Free of charge
2.Available for borrowing 24 hours a day, 365 days a year
3. If you have an account with Rakuten Bank, you can transfer money within 24 hours in as little as 10 seconds!
■Available amount and how to increase it
The available amount is the amount that the customer can borrow up to the maximum amount specified in the contract. You can use it repeatedly within the available amount. The maximum contract amount will be determined by ACOM after a review within the customer's application amount.
*You may not be able to use this service due to delays in repayment or an increase in borrowings from other companies.
1.What is the increase in the maximum contract amount?
An increase in the contract maximum amount is different from additional borrowing within the contract maximum amount, and refers to an increase in the usage limit itself. If you have borrowed up to the maximum contract amount, but would like to borrow more, you can apply for an increase in your loan amount, which will increase your credit limit and allow you to borrow more. For example, if you increase the maximum contract amount from 300,000 yen to 500,000 yen, you can use an additional 200,000 yen.
2.About the increase examination
In principle, we will respond on the same day you apply! There are many ways to apply! Additional charges can be reviewed even on Saturdays, Sundays, and holidays!
3. How to increase the maximum contract amount
If you would like to apply for an extreme amount increase, you can apply online through the app, member page, by phone, at an Acom ATM, at an automatic contract machine (Mujin-kun), or at a store counter.
4. How to check available amount
For the current available amount, please log in to the app, log in to the member page from the ACOM homepage, and see "Usage Status", or contact the "ACOM General Card Loan Desk". Or please visit our store to check.
■Acom repayment 2 points
Please take a look at the following two points and use ACOM conveniently.
1. Support for “accidentally forgetting” with email and push notifications
We will notify you by e-mail or app push notification of ``3 days before the repayment date'', ``on the day of the repayment date'', and ``repayment after the repayment date''. We will fully support your use of ACOM.
3. Repayments can be made 24 hours a day, 365 days a year via the internet or app.
You can make repayments to Acom from your financial institution 24 hours a day, from anywhere, not only at a branch counter, ATM, or affiliated ATM, but also via the internet or app.
No fees! Repayments accepted 24 hours a day! Repayments can be made on Saturdays, Sundays, and holidays!
*You must apply for Internet banking at your financial institution in advance.
【Recommended environment】
Android11.0 or higher
*Customers who are still using an older version of the OS are recommended to update the OS to the latest version.
*There may be some restrictions on operation etc. depending on events and environments specific to the device.
[Available convenience store/bank ATM]
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.
[About usage]
■Each repayment amount
If the maximum contract amount is 300,000 yen or less: 4.2% or more of the loan amount
If the maximum contract amount is over 300,000 yen: 3.0% or more of the loan amount
If the maximum contract amount exceeds 1 million yen: 1.5% to 3.0% or more of the loan amount
■Each repayment date
Payment within 35 days per payment or monthly
*Repayments can be made at your convenience as long as it is within the repayment date.
■Repayment period
From the final borrowing date, the earliest is the same day, and the maximum is 9 years and 7 months.
*This is not a financial product that requires full repayment within 60 days.
■Number of repayments
1 to 100 times
■Loan interest rate (actual annual rate)
3.0%～18.0%
■Example of total card loan cost
Loan amount: 500,000 yen, effective annual interest rate 18.0%
Number of repayments: 51 times, total repayment amount: 750,686 yen
■Privacy policy
https://www.acom.co.jp/privacy/treatment/
*Verification required/Check loan conditions and be careful not to borrow too much.
*Depending on the application status, we may not be able to accommodate your request.
Acom is the No. 1 card loan that provides a sense of security even for first-time users.
*〈Survey overview〉 Survey method: Internet survey Survey period: December 1st to December 5th, 2022 Survey overview: Site comparison image survey targeting 10 “card loan” sites Survey target: 1532 people, men and women, 20 Ages 69 to 69, nationwide Survey conducted by Do House Co., Ltd. Comparison companies: Google search for "card loan" Top 10 companies (as of 17:00 on November 7, 2022) *Articles, advertisements, and summary sites of banks Excludes card loans
Acom official app
my ac is an app that allows you to check borrowings, repayments, and usage status using just your smartphone. You can also submit documents here.
[Main functions]
■Easy login with biometric authentication
You can log in using fingerprint authentication or face authentication.
■Check usage status at a glance
You can check the available amount and repayment date on the top page.
You can perform various procedures such as borrowing, repaying, and increasing the amount directly from the app.
■Transfer within 10 seconds within 24 hours
Money will be transferred to a financial institution account in the customer's name free of charge. Of course, all procedures can be done through the app.
*The transfer time varies depending on the financial institution used.
■Notification via push notification
We will notify you of the payment date by push notification 3 days in advance and on the same day.
■Submit the documents required for application using the app
You can take a photo of your driver's license or income certificate and submit it as is.
[First time at ACOM]
■Four major benefits of ACOM
1. If it's your first time, the interest rate is 0 yen. Currently offering 0 yen interest rate service. If you are a first-time customer, no interest will be charged for 30 days from the day after the contract date.
2. Speedy screening is possible. We will tell you the shortest route to borrowing. Same-day transfer is also possible!
3. Borrowing is possible 24 hours a day, 365 days a year. You don't need to visit our store to get a card loan. If you are borrowing by transfer,
Borrowing is possible 24 hours a day, 365 days a year, all over Japan via the app, the internet, or by phone.
4.With credit function. Acom's credit card is easy to use as it has no annual fee, is issued on the same day, and does not send your statement by mail.
[Acom card loan]
■Advantages of Acom card loan
1. You can borrow 24 hours a day, 365 days a year, by transferring money via app, internet, or phone.
2. It can be used across a variety of networks including in-store counters, ACOM ATMs, and affiliated ATMs installed at convenience stores, etc. nationwide.
[Acom credit card]
■Four major benefits of Acom credit card
1.No annual fee. You can use it at Mastercard@ member stores around the world, including Japan, and there is no annual fee!
2.Issue on the same day at the earliest. Cards can be issued on the spot at some automatic contract machine (Mujin-kun) corners.
3.Cashback. Acom credit cards automatically give you 0.25% cash back on your monthly usage amount.
4. No usage statement mailed. You can check your usage details on the ACOM website or app. Your privacy is also protected because your statement will not be delivered to your home.
■Points for usage
1. It can be used in various places! Acom's credit card can be used in various situations. There is no need to take out cash or coins at convenience stores or supermarkets. Please feel free to use even small amounts. Available at all Mastercard@ participating merchants around the world. When using the service, please select "one-time payment" as your payment method. It will automatically become a revolving (installment) payment.
Acom's credit card will enrich your life.
・Online shopping with credit card!
・You can also use your credit card at convenience stores!
・Pay for your smartphone with a credit card!
・Taxi also uses credit card!
- Conveniently use your credit card while traveling!
・Enjoy your overseas travel with a credit card!
・You can also use electronic money, code payment, and QR payment with credit card!
2. Lump-sum payment is also possible! When making a purchase using revolving credit card payments, it is common to pay a fixed amount every month until the purchase is completed, but with Acom's credit card, you can also pay more than the monthly amount depending on your convenience. Masu. There is no need to contact ACOM. This will save you fees.
3. Convenient payment! In a way that suits you. Payment can be made by bank transfer from your smartphone, computer, or app. You can also deposit money at Seven Bank and Acom ATMs. If you would like to use bank account transfer (automatic withdrawal), please contact us separately.
[Borrowing/Using]
■Borrowing by transfer
Delightful 24-hour transfer in as little as 10 seconds! Applications can be made 24 hours a day, 365 days a year, 365 days a year through the internet, phone, or app, such as, ``I don't have time to go to an ACOM ATM'' or ``I have a lot of withdrawals this month, so my living expenses are a bit low.'' After completing the application, the funds will be transferred to the financial institution account in the customer's name within 10 seconds at the earliest. You can check your transaction details on the ACOM homepage.
*The transfer time varies depending on the financial institution used.
■Three benefits of borrowing by transfer
1.Free of charge
2.Available for borrowing 24 hours a day, 365 days a year
3. If you have an account with Rakuten Bank, you can transfer money within 24 hours in as little as 10 seconds!
■Available amount and how to increase it
The available amount is the amount that the customer can borrow up to the maximum amount specified in the contract. You can use it repeatedly within the available amount. The maximum contract amount will be determined by ACOM after a review within the customer's application amount.
*You may not be able to use this service due to delays in repayment or an increase in borrowings from other companies.
1.What is the increase in the maximum contract amount?
An increase in the contract maximum amount is different from additional borrowing within the contract maximum amount, and refers to an increase in the usage limit itself. If you have borrowed up to the maximum contract amount, but would like to borrow more, you can apply for an increase in your loan amount, which will increase your credit limit and allow you to borrow more. For example, if you increase the maximum contract amount from 300,000 yen to 500,000 yen, you can use an additional 200,000 yen.
2.About the increase examination
In principle, we will respond on the same day you apply! There are many ways to apply! Additional charges can be reviewed even on Saturdays, Sundays, and holidays!
3. How to increase the maximum contract amount
If you would like to apply for an extreme amount increase, you can apply online through the app, member page, by phone, at an Acom ATM, at an automatic contract machine (Mujin-kun), or at a store counter.
4. How to check available amount
For the current available amount, please log in to the app, log in to the member page from the ACOM homepage, and see "Usage Status", or contact the "ACOM General Card Loan Desk". Or please visit our store to check.
■Acom repayment 2 points
Please take a look at the following two points and use ACOM conveniently.
1. Support for “accidentally forgetting” with email and push notifications
We will notify you by e-mail or app push notification of ``3 days before the repayment date'', ``on the day of the repayment date'', and ``repayment after the repayment date''. We will fully support your use of ACOM.
3. Repayments can be made 24 hours a day, 365 days a year via the internet or app.
You can make repayments to Acom from your financial institution 24 hours a day, from anywhere, not only at a branch counter, ATM, or affiliated ATM, but also via the internet or app.
No fees! Repayments accepted 24 hours a day! Repayments can be made on Saturdays, Sundays, and holidays!
*You must apply for Internet banking at your financial institution in advance.
【Recommended environment】
Android11.0 or higher
*Customers who are still using an older version of the OS are recommended to update the OS to the latest version.
*There may be some restrictions on operation etc. depending on events and environments specific to the device.
[Available convenience store/bank ATM]
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.
[About usage]
■Each repayment amount
If the maximum contract amount is 300,000 yen or less: 4.2% or more of the loan amount
If the maximum contract amount is over 300,000 yen: 3.0% or more of the loan amount
If the maximum contract amount exceeds 1 million yen: 1.5% to 3.0% or more of the loan amount
■Each repayment date
Payment within 35 days per payment or monthly
*Repayments can be made at your convenience as long as it is within the repayment date.
■Repayment period
From the final borrowing date, the earliest is the same day, and the maximum is 9 years and 7 months.
*This is not a financial product that requires full repayment within 60 days.
■Number of repayments
1 to 100 times
■Loan interest rate (actual annual rate)
3.0%～18.0%
■Example of total card loan cost
Loan amount: 500,000 yen, effective annual interest rate 18.0%
Number of repayments: 51 times, total repayment amount: 750,686 yen
■Privacy policy
https://www.acom.co.jp/privacy/treatment/
*Verification required/Check loan conditions and be careful not to borrow too much.
Updated on
Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
Ratings and reviews
4.2
5.23K reviews
A Google user
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June 3, 2019
Very accomodating and even though the process for approval was full of questions and validation of application. I was glad to be approved for my first loan of 8,000. I will complete all my payments so I can get a higher loan next time. I will recommend this to my friends. Awesome lending company. Very low interest and have long term payments which is very affordable. A huge help. Thank you so much.
37 people found this review helpful
A Google user
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May 30, 2019
worst service! they said one day processing as long as my references and HR responded right away. they have been responded but still my application still not been approved!
12 people found this review helpful
A Google user
- Flag inappropriate
August 26, 2019
the content in the app is japanese alphabet, how will someone who does not know japanese wriring understand the content.
43 people found this review helpful
What's new
いつもアコムをご利用いただきありがとうございます。
・軽微な修正を行いました。
アコムは定期的にアプリの改善を行っています。
快適にご利用いただくために、定期的なアップデートをお願いします。
今後ともアコムをよろしくお願いいたします。
・軽微な修正を行いました。
アコムは定期的にアプリの改善を行っています。
快適にご利用いただくために、定期的なアップデートをお願いします。
今後ともアコムをよろしくお願いいたします。