How to Borrow and Repay with ORIX Bank Card Loan at Convenience Store ATMs: Fees, Hours | Guide to 7-Eleven, Lawson, Family Mart, and Ministop Compatibility

The ORIX Bank Card Loan is an extremely convenient service that allows you to borrow and repay from major convenience store ATMs nationwide free of charge. A major advantage is its compatibility with not only 7-Eleven, Lawson, and Family Mart, but also Ministop (AEON Bank ATMs). You can also choose between “account debit” and “ATM repayment” for your repayment method, allowing for flexible use that suits your lifestyle. However, there are rules to know in advance, such as the fact that lump-sum repayments, which require deposits down to the single yen, cannot be made at convenience store ATMs. This article provides a detailed explanation of how to use the ORIX Bank Card Loan at convenience store ATMs, covering fees, operating hours, and procedures for each major convenience store. It also comprehensively explains the characteristic repayment rules, important notes, and what to do if you are unable to use the service.

A Comprehensive Guide to Convenience Store ATMs for ORIX Bank Card Loan Borrowing and Repayment

The ORIX Bank Card Loan allows you to use borrowing and repayment services at ATMs located in nearby convenience stores using the loan card issued after your contract is finalized. 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)

The ORIX Bank Card Loan is partnered with ATMs located in the following major convenience stores, allowing for borrowing and repayment. You can conveniently use the extensive ATM network spread across the country, regardless of your location.

7-Eleven: Seven Bank ATM
Lawson: Lawson Bank ATM
Family Mart: E-net ATM (*excluding some stores)
Ministop: AEON Bank ATM

ORIX Bank Card Loan Compatibility at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs

The ORIX Bank Card Loan is compatible with all ATMs in the four major convenience store chains: 7-Eleven, Lawson, Family Mart, and Ministop. To use them, you will need the loan card issued by ORIX Bank 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] ORIX Bank Card Loan Borrowing & Repayment Details: Fees, Hours, and Operating Procedures

From here, we will detail the fees, available hours, and basic operating procedures for using the ORIX Bank Card Loan at each convenience store ATM.
*Information is current as of July 2025. Please check the official websites of ORIX Bank or each ATM operator for the latest information.

Using ORIX Bank Card Loan at 7-Eleven (Seven Bank ATM)

Main Available Transactions

Borrowing (Withdrawal)
Repayment (Deposit)

ATM Fees for Borrowing and Repayment

Free of charge at all times. There are no fees for either borrowing or repayment.

Source: Partner ATMs | Card Loan | ORIX Bank

ATM Availability and Maintenance Information

In principle, it is available 24/7, 365 days a year, but the service is unavailable during ORIX Bank’s system maintenance times.

ATM Borrowing Procedures

Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
Insert your ORIX Bank 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 ORIX Bank 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 ORIX Bank Card Loan at Lawson (Lawson Bank ATM)

Main Available Transactions

Borrowing (Withdrawal)
Repayment (Deposit)

ATM Fees for Borrowing and Repayment

Free of charge at all times. There are no fees for either borrowing or repayment.

Source: Partner ATMs | Card Loan | ORIX Bank

ATM Availability and Maintenance Information

Lawson Bank ATMs are also operational nearly 24 hours a day, but the service is unavailable during ORIX Bank’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 ORIX Bank Card Loan at Family Mart (E-net ATM)

Main Available Transactions

Borrowing (Withdrawal)
Repayment (Deposit)

ATM Fees for Borrowing and Repayment

Free of charge at all times. There are no fees for either borrowing or repayment.

Source: Partner ATMs | Card Loan | ORIX Bank

ATM Availability and Maintenance Information

E-net ATMs are also available almost 24 hours a day, but the service is also unavailable during ORIX Bank’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 the “Deposit” menu on the screen and follow the instructions to make your deposit.

Using ORIX Bank Card Loan at Ministop (AEON Bank ATM)

Main Available Transactions

Borrowing (Withdrawal)
Repayment (Deposit)

ATM Fees for Borrowing and Repayment

Free of charge at all times. There are no fees for either borrowing or repayment.

Source: Partner ATMs | Card Loan | ORIX Bank

ATM Availability and Maintenance Information

AEON Bank ATMs are also available almost 24 hours a day, but the service is unavailable during ORIX Bank’s maintenance hours.

ATM Borrowing Procedures

Similar to other convenience store ATMs, operate by following the on-screen instructions from the “Withdrawal” menu.

ATM Repayment Procedures

Select the “Deposit” menu, insert your card, and then deposit the repayment amount.

Guide to ORIX Bank Card Loan Repayment: Convenience Store ATM, Account Debit, and Bank Transfer

Selectable Repayment Methods: Account Debit, ATM Repayment, and Bank Transfer Repayment

You can choose from the following three repayment methods for the ORIX Bank Card Loan according to your convenience. You can change your repayment method on the members-only site, “Members Navi.”

Account Debit: Automatically debited from your designated financial institution account each month.
ATM Repayment: You make repayments by depositing money yourself at a partner convenience store ATM or other locations.
Bank Transfer Repayment: You make repayments by transferring funds to a designated repayment-only account.

Repayment at Convenience Store ATMs: Supports Both “Scheduled Repayment” and “Voluntary Repayment”

Convenience store ATMs can be used for both scheduled monthly repayments and optional additional repayments (voluntary repayments).

How to Make Scheduled Repayments (Monthly Payments) at an ATM

If you have set your repayment method to “ATM Repayment,” you must deposit an amount equal to or greater than your scheduled repayment amount at a partner convenience store ATM by your scheduled repayment date (the 10th or the end of the month). Be sure to complete the deposit procedure by the repayment date.

How to Make Voluntary Repayments (Additional Payments) at an ATM and Important Points

A voluntary repayment is an additional repayment you can make at any time from a convenience store ATM, regardless of your repayment method setting. No prior notification is required, and the deposited amount is applied to the principal, which helps reduce the total interest paid. However, if your repayment method is set to “Account Debit,” the monthly automatic debit will still be carried out as usual even if you make a voluntary repayment.

[Important] Lump-sum Repayments are Not Possible at Convenience Store ATMs

A “lump-sum repayment,” where you repay the entire outstanding balance at once, requires a deposit down to the single yen. Since convenience store ATMs do not accept coins, they cannot be used for lump-sum repayments.

How to Apply for a Lump-sum Repayment and Repayment Procedures (Bank Transfer / Coin-compatible ATM)

To make a lump-sum repayment, first check the total repayment amount (principal + interest) as of your desired repayment date on Members Navi or by calling the Card Desk. Then, repay using one of the following methods:
・Bank Transfer Repayment: Transfer the confirmed amount to ORIX Bank’s repayment-only account (you are responsible for the transfer fee).
・Coin-compatible ATM: Repay from a coin-accepting ATM at MUFG Bank, Sumitomo Mitsui Banking Corporation, or The Nishi-Nippon City Bank during designated hours (weekdays 8:45 AM – 6:00 PM).

How to Check Your Scheduled Repayment Date and Amount

You can choose your scheduled monthly repayment date from “the 10th” or “the end of the month.” You can check your repayment date and monthly scheduled repayment amount on the members-only site, “Members Navi.”

Source: Repayment Methods | Card Loan | ORIX Bank

Important Information and Precautions for Using the ORIX Bank Card 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 Members Navi or on an ATM transaction receipt. If you wish to increase your limit, you can apply through Members Navi or by calling the Card Desk. 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 the ORIX Bank Card Loan is set within a range of 1.7% to 14.8% 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

How to Inquire/Reset Your PIN If You Forget It

A 4-digit PIN is required for ATM use. If you forget it, you will need to contact the Card Desk 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 ORIX Bank.
・Your payments are overdue.
If the issue is not resolved, please contact the Card Desk.

Source: Contact Us | Card Loan | ORIX Bank

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, 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 ORIX Bank Card Loan Borrowing and Repayment at Convenience Store ATMs

Q1. When and how do I pay the convenience store ATM usage fee?

A1. With the ORIX Bank Card Loan, usage fees for partner convenience store ATMs (Seven Bank ATM, Lawson Bank ATM, E-net ATM, and AEON Bank ATM) are free of charge all day. Therefore, you do not need to pay any fees.

Q2. If I set my repayment method to “ATM Repayment,” will money be debited from my account?

A2. No, it will not be debited. If your repayment method is set to “ATM Repayment,” no automatic debit will be made from your registered account on the scheduled repayment date. You must make the deposit yourself at a partner ATM by the scheduled repayment date.

Q3. Can I make a lump-sum repayment at a convenience store ATM?

A3. No, you cannot. A lump-sum repayment requires a deposit down to the single yen due to daily interest calculations, but convenience store ATMs do not accept coins. For a lump-sum repayment, please use a bank transfer to ORIX Bank’s designated repayment-only account or a financial institution’s ATM that accepts coins (such as MUFG Bank).

Q4. Are the fees and operating hours the same during the New Year’s holidays and public holidays?

A4. The fees are free even during the New Year’s holidays and on public holidays. Operating hours also generally follow the calendar, but there may be times when the service is unavailable due to temporary system maintenance. It is recommended to check the official ORIX Bank 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 members-only site, “Members Navi.” You can also check your most recent transactions on the receipt 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, the ORIX Bank Card Loan does not support ATM transactions using a smartphone app (Cardless ATM). You must have your physical loan card to make transactions at a convenience store ATM.

Q7. Is it possible to change my monthly scheduled repayment date?

A7. Yes, it is possible. You can choose your scheduled repayment date from “the 10th” or “the end of the month” and can change it through the members-only site, “Members Navi.”

Q8. If I make a voluntary repayment at an ATM, is my monthly scheduled repayment still required?

A8. It depends on your repayment method setting. If your method is “Account Debit,” an automatic debit will still occur on the scheduled repayment date even if you make a voluntary repayment. If your method is “ATM Repayment,” depositing an amount equal to or greater than the scheduled repayment amount at an ATM by the repayment date will be treated as that month’s scheduled repayment.

Last Updated: July 11, 2025