To provide a loan contract receiving terminal and a loan contract system, which enable for a customer to sign up loan contract and secure a contract when the customer visits a shop for a loan without the customer being asked to comeback again even if no loan contract terminal is available because all subscription terminals are occupied.

A method for operating the loan contract terminal, comprises the steps of: operating loan contract 11 in an action mode through the customer; providing the customer two action modes that comprise a contract mode to secure the contract by connecting the terminal 11 to an operator terminal and a receipt mode for obtaining information required for contract qualification from the customer; storing a time for switching the action modes; and switching the action modes from the contract mode to the receipt mode, based on the time for switching the action modes.