The Direct One card loan is a convenient service that allows you to easily borrow and repay funds from ATMs at convenience stores nationwide when you suddenly need cash. However, there are several points to be aware of beforehand, such as ATM usage fees, available hours, and repayment rules. This article provides a detailed explanation of how to use the Direct One card loan at convenience store ATMs, covering fees, operating hours, and procedures for major convenience stores (7-Eleven, Lawson, Family Mart, and Ministop). It also comprehensively covers correct repayment methods, important notes, and what to do if you are unable to use the service.
- A Comprehensive Guide to Convenience Store ATMs for Direct One Borrowing and Repayment
- [By Convenience Store] Direct One Borrowing & Repayment Details: Fees, Hours, and Operating Procedures
- Guide to Direct One Repayment: Convenience Store ATMs and Other Methods
- Important Information and Precautions for Using Direct One at Convenience Store ATMs
- How to Check Your Credit Limit and Apply for an Increase
- Per-Transaction and Daily ATM Limits
- Borrowing Interest Rate (Annual Percentage Rate) and How to Calculate Interest
- How to Inquire/Reset Your PIN If You Forget It
- Possible Reasons and Solutions If You Cannot Use Your Card at an ATM
- Keeping and Checking Your ATM Transaction Receipts
- Q&A on Direct One Borrowing and Repayment at Convenience Store ATMs
- Q1. When and how do I pay the convenience store ATM usage fee?
- Q2. If I make a repayment at an ATM, is my next scheduled repayment no longer necessary?
- Q3. Can I make early repayments or a lump-sum repayment at a convenience store ATM?
- Q4. Are the fees and operating hours the same during the New Year’s holidays and public holidays?
- Q5. Where can I check my borrowing and repayment history?
- Q6. Can I use a convenience store ATM without a card (e.g., with a smartphone app)?
- Q7. Is it possible to change my monthly repayment date?
- Q8. Can I cancel a transaction in the middle of an ATM operation?
A Comprehensive Guide to Convenience Store ATMs for Direct One Borrowing and Repayment
With the Direct One card loan, you can immediately use borrowing and repayment services at a nearby convenience store ATM with the loan card you receive after your contract is finalized. First, let’s review which ATMs at which convenience stores are compatible.
Overview of Partner ATMs at Major Convenience Store Chains (7-Eleven, Lawson, Family Mart, Ministop)
Direct One is partnered with the following major convenience store ATMs throughout Japan, allowing for borrowing and repayment.
- 7-Eleven: Seven Bank ATM
- Family Mart: E-net ATM (*excluding some stores)
- Ministop: AEON Bank ATM
*Note: Lawson Bank ATMs do not support Direct One.
Direct One Compatibility at Seven Bank, E-net, and AEON Bank ATMs
All of the convenience store ATMs listed above support both Direct One “borrowing (withdrawal)” and “repayment (deposit).” To use them, you will need your Direct One loan card and the 4-digit PIN you have set.
Available Transactions at Each ATM
The following transactions are generally available at all partner convenience store ATMs.
- Borrowing: You can withdraw cash within your credit limit.
- Repayment: You can make voluntary repayments of any amount, separate from your scheduled monthly payments.
[By Convenience Store] Direct One Borrowing & Repayment Details: Fees, Hours, and Operating Procedures
From here, we will detail the fees, available hours, and basic operating procedures for using the Direct One card loan at each convenience store ATM.
*All fees include tax. Information is current as of July 2025. Please check the official websites of Direct One or each ATM operator for the latest information.
Using Direct One at 7-Eleven (Seven Bank ATM)
Main Available Transactions
- Borrowing (Withdrawal)
- Repayment (Deposit)
ATM Fees for Borrowing and Repayment
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Direct One ATM Service | Seven Bank
ATM Availability and Maintenance Information
Seven Bank ATMs are generally available 24/7, 365 days a year, but there are times when they are unavailable due to late-night system maintenance. You also cannot use the service during Direct One’s maintenance hours.
ATM Borrowing Procedures
- Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
- Insert your Direct One loan card into the ATM.
- Select the “Withdrawal (Borrowing)” button.
- Enter your 4-digit PIN.
- Enter the desired borrowing amount.
- Confirm the details and receive your cash, card, and transaction receipt.
ATM Repayment Procedures
- Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
- Insert your Direct One loan card into the ATM.
- Select the “Deposit (Repayment)” button.
- Enter your 4-digit PIN.
- Insert bills for the amount you wish to repay. (Coins are not accepted)
- Confirm the details and receive your card and transaction receipt.
Using Direct One at Lawson (Lawson Bank ATM)
Direct One cannot be used at Lawson Bank ATMs.
Using Direct One at Family Mart (E-net ATM)
Main Available Transactions
- Borrowing (Withdrawal)
- Repayment (Deposit)
ATM Fees for Borrowing and Repayment
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Direct One | E-net ATM Fees & Service Hours | E-net, Inc.
ATM Availability and Maintenance Information
E-net ATMs are also available almost 24 hours a day, but may be temporarily unavailable for maintenance late at night or in the early morning. The service is also unavailable during Direct One’s maintenance hours.
ATM Borrowing Procedures
The basic operating procedure is the same as for Seven Bank ATMs. Follow the on-screen instructions to complete the transaction.
ATM Repayment Procedures
The basic operating procedure is the same as for Seven Bank ATMs. Follow the on-screen instructions to complete the transaction.
Using Direct One at Ministop (AEON Bank ATM)
Main Available Transactions
- Borrowing (Withdrawal)
- Repayment (Deposit)
ATM Fees for Borrowing and Repayment
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Available ATMs | Cashing & Card Loans from Direct One
ATM Availability and Maintenance Information
AEON Bank ATMs operate for long hours, but there may be times when they are unavailable due to the store’s business hours or system maintenance. Be particularly cautious during late-night hours.
ATM Borrowing Procedures
The basic operating procedure is the same as for Seven Bank ATMs. Follow the on-screen prompts to insert your card, enter your PIN, and enter the amount.
ATM Repayment Procedures
The basic operating procedure is the same as for Seven Bank ATMs. Follow the on-screen instructions to insert your card and make a deposit.
Guide to Direct One Repayment: Convenience Store ATMs and Other Methods
Basic Rules for Repayment at Convenience Store ATMs
Repaying at a convenience store ATM is easy, but it’s important to understand a few rules. Repayments are made in units of ¥1,000, and coins are not accepted.
Difference Between Voluntary and Scheduled Repayments
Direct One has two types of repayment: “scheduled repayment” and “voluntary repayment.” Both can be made at convenience store ATMs. A payment made during the repayment period (10 days before the due date) is considered a scheduled repayment. A payment made more than 10 days before the due date is treated as an early repayment, not the monthly payment.
Timing for Credit Line Restoration After ATM Repayment
The amount you repay at an ATM will be added to your available credit as soon as it is reflected in the system. This usually happens immediately after repayment, but it may take some time depending on the time of day.
Repayment via Bank Transfer
If you want to repay an amount that includes change, such as for a lump-sum payment, you must use a bank transfer. You will be responsible for any transfer fees.
How to Check the Bank Account Information and Important Notes
You can find the bank account information for transfers by logging into the member-only page or by calling the customer service center. When making a transfer, be sure to enter your name as the cardholder and your Direct One member number as the remitter name. If the name is incorrect, the payment processing may be delayed.
Repayment at Branch Counters
If there is a Direct One branch near you, you can also make repayments directly at the counter. This is a good option if you want to discuss matters such as lump-sum payments or reviewing your repayment plan.
How to Check Your Scheduled Payment Date and Amount
Scheduled monthly repayments are made via convenience store ATMs, branch counters, or bank transfer. You can check your payment date and monthly payment amount on the member-only page.
Source: Repayment Methods | Cashing & Card Loans from Direct One
Important Information and Precautions for Using Direct One at Convenience Store ATMs
How to Check Your Credit Limit and Apply for an Increase
You can check your credit limit (contract limit) on the member-only page or on your account statement. If you wish to increase your limit, you can apply through the member-only page or by phone. After you apply, a prescribed screening process will be conducted.
Per-Transaction and Daily ATM Limits
In addition to your own credit limit, each ATM has its own per-transaction limit. For example, there may be a restriction, such as being able to withdraw only up to ¥500,000 at a time. If you wish to make a larger transaction, you will need to do so in multiple steps.
Borrowing Interest Rate (Annual Percentage Rate) and How to Calculate Interest
The interest rate for Direct One is set within a range of 4.9% to 18.0% APR, depending on your contract. Interest is calculated on a daily basis using the following formula:
Interest = Outstanding Balance × Annual Percentage Rate ÷ 365 days × Number of Days Used
The number of days used is the period from the day after the borrowing date to the repayment date.
How to Inquire/Reset Your PIN If You Forget It
A 4-digit PIN is required to use the ATM. If you forget it, you will need to contact the customer service center by phone to complete the reset procedure. For security reasons, you cannot be told your PIN directly over the phone.
Possible Reasons and Solutions If You Cannot Use Your Card at an ATM
If you are unable to use your card at an ATM, the following reasons are possible:
・You have exceeded your credit limit.
・Your card is locked due to entering the wrong PIN multiple times.
・The card’s magnetic stripe is faulty or the IC chip is damaged.
・It is during system maintenance hours for the ATM or Direct One.
・Your monthly payments are overdue.
First, check your usage status on the member-only page. If the issue is not resolved, please contact the customer service center.
Source: Inquiries | Cashing & Card Loans from Direct One
Keeping and Checking Your ATM Transaction Receipts
When you use an ATM, a transaction receipt is issued. This contains important records of the transaction, such as the date and time, transaction amount, fees, and post-transaction balance. It is recommended that you check the details for accuracy and keep the receipt for a certain period.
Q&A on Direct One Borrowing and Repayment at Convenience Store ATMs
Q1. When and how do I pay the convenience store ATM usage fee?
A1. The convenience store ATM usage fee is added to your outstanding balance each time you borrow or repay. Therefore, it will be settled along with the interest on your next repayment. You do not need to pay it in cash at the ATM.
Q2. If I make a repayment at an ATM, is my next scheduled repayment no longer necessary?
A2. A payment made during the repayment period (the 10 days leading up to your due date) can count as your scheduled repayment. A payment made more than 10 days before the due date will be treated as an additional, early repayment.
Q3. Can I make early repayments or a lump-sum repayment at a convenience store ATM?
A3. Partial early repayments (voluntary repayments) are possible. However, since convenience store ATMs do not accept coins and only accept deposits in units of ¥1,000, you cannot pay off the entire amount including interest (lump-sum repayment). If you wish to make a lump-sum repayment, please contact the customer service center to confirm the total amount and complete the procedure via bank transfer or at a branch counter.
Q4. Are the fees and operating hours the same during the New Year’s holidays and public holidays?
A4. As a rule, fees do not change. Operating hours are also generally the same, but there is a possibility of special system maintenance during long holiday periods like the New Year’s or Golden Week holidays. It is recommended to check the official Direct One website for announcements before use.
Q5. Where can I check my borrowing and repayment history?
A5. You can check your borrowing and repayment history by logging into the member-only page. You can also check it on the statements mailed to you periodically or on the transaction receipts issued when you use an ATM.
Q6. Can I use a convenience store ATM without a card (e.g., with a smartphone app)?
A6. No, you cannot. As of July 2025, Direct One does not support ATM transactions using a smartphone app (Cardless ATM). You must have your physical Direct One loan card to make transactions at a convenience store ATM.
Q7. Is it possible to change my monthly repayment date?
A7. If you wish to change your scheduled monthly repayment date, you must contact the customer service center. They will guide you through the necessary procedures, so please consult them by phone first.
Q8. Can I cancel a transaction in the middle of an ATM operation?
A8. Yes, you can. Before you confirm the amount and before the cash or receipt is dispensed, you can cancel the transaction by pressing the “Cancel” (とりけし) button on the ATM screen. If you are unsure how to proceed, just press the cancel button.
Last Updated: July 2, 2025