noun
Financial term for withdrawing more money than is available in a bank account, resulting in a negative balance.
貸越の利息は高いので、早めに返済したほうがいい。
The interest on an overdraft is high, so it's better to repay it early.
口座の残高が足りず、貸越になってしまった。
The account balance was insufficient, and it went into overdraft.
Compound of 貸し (kashi, 'lending') and 越し (koshi, 'exceeding'), referring to exceeding the lending limit.