No Loan (Shinsei Personal Loan) is a convenient card loan that allows you to easily borrow and repay from ATMs at convenience stores nationwide when you need cash for unexpected expenses. However, there are important points to know in advance, such as ATM usage fees and the rules for scheduled and voluntary repayments. This article provides a detailed explanation of how to use No 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 explains 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 No Loan Borrowing and Repayment
- [By Convenience Store] No Loan Borrowing & Repayment Details: Fees, Hours, and Operating Procedures
- Guide to No Loan Repayment: Convenience Store ATMs and Other Methods
- Important Information and Precautions for Using No Loan 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 No Loan 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 No Loan Borrowing and Repayment
With the loan card issued after your contract is finalized, No Loan allows you to immediately use borrowing and repayment services at major convenience store ATMs near you. First, let’s review which convenience store ATMs are compatible.
Overview of Partner ATMs at Major Convenience Store Chains (7-Eleven, Lawson, Family Mart, Ministop)
No Loan is partnered with ATMs located in the following major convenience stores across Japan, allowing for borrowing and repayment.
- 7-Eleven: Seven Bank ATM
- Lawson: Lawson Bank ATM
- Family Mart: E-net ATM (*excluding some stores)
- Ministop: AEON Bank ATM
No Loan Compatibility at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs
All of the convenience store ATMs listed above are partnered with No Loan. To use them, you will need your No Loan card and the 4-digit PIN you set up when you signed the contract.
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 your scheduled monthly payments or additional voluntary repayments.
[By Convenience Store] No Loan Borrowing & Repayment Details: Fees, Hours, and Operating Procedures
From here, we will detail the fees, available hours, and basic operating procedures for using No Loan at each convenience store ATM.
*All fees include tax. Information is current as of July 2025. Please check the official websites of Shinsei Personal Loan or each ATM operator for the latest information.
Using No Loan 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: No Loan (Shinsei Personal Loan) ATM Service | Seven Bank
ATM Availability and Maintenance Information
Seven Bank ATMs are generally available 24/7, 365 days a year, but system maintenance may occur during late-night hours. The service is also unavailable during No Loan’s system maintenance times.
ATM Borrowing Procedures
- Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
- Insert your No 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 No 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 No Loan at Lawson (Lawson 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: No Loan (Shinsei Personal Loan) | Lawson Bank
ATM Availability and Maintenance Information
Lawson Bank ATMs are also operational nearly 24 hours a day, but may undergo system maintenance during late-night hours. The service is also unavailable during No Loan’s maintenance times.
ATM Borrowing Procedures
The basic operating procedure is the same as for Seven Bank ATMs. Follow the on-screen instructions, starting with “Withdrawal.”
ATM Repayment Procedures
Start the transaction from “Deposit.” Follow the on-screen instructions to insert your card and deposit the repayment amount.
Using No Loan 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: [Official No Loan] Partner ATMs | 1-Week Interest-Free Card Loan, Anytime!
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 No Loan’s maintenance hours.
ATM Borrowing Procedures
The operating procedure is largely the same as for other convenience store ATMs. Follow the on-screen instructions to complete the transaction.
ATM Repayment Procedures
Start the process from a menu item like “Deposit” or “Repayment” and follow the instructions to make your deposit.
Using No Loan 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: [Official No Loan] Partner ATMs | 1-Week Interest-Free Card Loan, Anytime!
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.
ATM Borrowing Procedures
The procedure is the same as for other ATMs. Follow the on-screen prompts to insert your card, enter your PIN, and enter the amount.
ATM Repayment Procedures
From the “Deposit” menu, follow the on-screen instructions to insert your card and make a deposit.
Guide to No Loan 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 crucial to understand the rules, especially regarding repayment timing. Repayments are made in units of ¥1,000, and coins are not accepted.
Difference Between Voluntary and Scheduled Repayments
The most important point about No Loan repayments is that how your payment is treated depends on when you make the deposit at an ATM.
・Scheduled Repayment: A deposit made from 15 days before the scheduled payment date up to and including the payment date itself is treated as the “scheduled repayment” for that month.
・Voluntary Repayment (Additional Repayment): If a repayment is made 16 or more days before the scheduled payment date, that deposit is treated as an “additional repayment for the previous month.” In this case, the scheduled repayment for the current month is still outstanding, so a separate repayment must be made within the scheduled repayment period. It is crucial to be aware of this rule, as overlooking it can lead to unintentional late payments.
Source: FAQ / About Repayment / Q7 | Cashing & Consumer Finance, No Loan with 1-Week Interest-Free Anytime
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 communication status or the time of day.
Repayment via Bank Transfer
If you want to make a repayment in one-yen increments, such as for a lump-sum payment, 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 page or by calling customer support. When making a transfer, be sure to use your name as the cardholder for the remitter name.
How to Check Your Scheduled Payment Date and Amount
You can check your scheduled repayment date and monthly payment amount on the member page or on your account statement. It is recommended to check them periodically for planned use.
Source: Repayment Methods | 1-Week Interest-Free (0% Interest) Anytime [Official No Loan]
Important Information and Precautions for Using No Loan at Convenience Store ATMs
How to Check Your Credit Limit and Apply for an Increase
You can check your credit limit, which is the maximum amount you can borrow, on the member page, on your account statement, or by using the balance inquiry function at an ATM. If you wish to increase your limit, you can apply through the member 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 No Loan 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 customer support by phone. For security reasons, you cannot be told your PIN directly over the phone, and a procedure such as mailing will be required.
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 No Loan.
・Your monthly payments are overdue.
First, check your usage status on the member page. If the issue is not resolved, please contact customer support.
Source: Inquiries | Cashing & Consumer Finance, No Loan with 1-Week Interest-Free Anytime
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 No Loan 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 deducted from the principal when borrowing, and is prioritized for allocation from the repayment amount when repaying. You do not need to pay it separately in cash at the ATM.
Q2. If I make a repayment at an ATM, is my next scheduled repayment no longer necessary?
A2. It depends on when you made the repayment. If you repaid between 15 days before the scheduled payment date and the day itself, it is treated as that month’s scheduled repayment, so it is not necessary to pay again. However, if you repaid 16 or more days before the scheduled payment date, it is treated as an “additional repayment,” and you will need to make that month’s scheduled repayment separately. Please be careful.
Q3. Can I make early repayments or a lump-sum repayment at a convenience store ATM?
A3. You can make an early repayment (partial early repayment) at any time by repaying more than the determined scheduled repayment amount. However, since convenience store ATMs only accept deposits in units of ¥1,000 and do not accept coins, you cannot make a lump-sum repayment (full repayment) that requires payment in one-yen increments. Please use a bank transfer for lump-sum repayments.
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 also generally follow the calendar, but there may be special, temporary system maintenance during long holiday periods such as the New Year’s or Golden Week holidays. It is recommended to check the official No Loan 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 page. You can also check it on the statements issued 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, No Loan does not support ATM transactions using a smartphone app (Cardless ATM). You must have your physical No 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 customer support. 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