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The special guarantee for people with the lowest credit is a credit loan that the government guarantees when lending money to people with the lowest credit. This product has the characteristic of providing intensive support to those who have been rejected for the Sunshine Loan 15 product, a representative government support product. Existing microfinance loans are for those with credit scores of the bottom 20% or lower, so the reality is that those with the lowest credit scores are unable to use government-supported loans. If you have the lowest credit, you may want to consider using the ‘lowest credit borrower special guarantee’, a government-guaranteed product. From now on, we will provide detailed information on the eligibility, application conditions, and methods of the special guarantee product for those with the lowest credit.
Table of Contents 1. Those with the lowest credit who are eligible for special guarantee 1-1. Qualification 1-2. Features 1-3. Sunshine Loan 15 How to create a rejection history 2. Loan details 2-1. Loan conditions 2-2. Interest rate reduction benefits 2-3. Additional loan 3. How to apply 3-1. Handling location 3-2. Application procedure 4. Documents to be submitted
1-1. Qualification
The special guarantee for people with the lowest credit is aimed at people with the lowest credit who have difficulty accessing financial institutions due to past loan delinquency history. Among those with the lowest credit who were unable to use Sunshine Loan or other low-income financial products, they must meet the three conditions below.
1-2. characteristic
The principle is only available to office workers.
※ However, as this is a product that allows loans based on estimated income, loans are also available to daily workers with estimated income, those not covered by the four major insurance policies, freelancers, and the unemployed.
Check the availability of special guarantees for people with the lowest credit
1-3. Sunshine Loan 15 How to create a rejection history
One of the important conditions in the special guarantee for those with the lowest credit is the history of Sunshine Loan 15 guarantee being rejected. In order to meet these qualifications, we recommend creating a Sunshine Loan 15 rejection history.
The special guarantee for those with the lowest credit has lower eligibility requirements than the Sunshine Loan 15 product and can be used at the same interest rate. Additionally, this is a product that allows you to benefit from an interest rate reduction if you repay faithfully, so please check for detailed information.
2-1. Loan conditions
The maximum guaranteed loan limit for those with the lowest credit is 10 million won. However, it is not possible to receive it all at once, and additional loans are available for up to 5 million won when used for the first time and when used normally for more than 6 months.
2-2. Interest rate reduction benefits
With the special guarantee for those with the lowest credit, you can benefit from an interest rate reduction if you repay in good faith. The interest rate can be reduced by 3% per year if you choose 3 years, and by 1.5% per year if you choose 5 years.
2-3 Additional loan
If you want an additional loan, you can receive one additional loan after using the special guarantee for those with the lowest credit for more than 6 months. At this time, the eligibility requirements for the additional loan are the same as those for the minimum loan.
You can apply for a special guarantee for those with the lowest credit through the loan agreement bank after applying for a guarantee through the Korea Inclusive Finance Agency app. If you do not own a smartphone or are from a digitally vulnerable group, you can visit the nearest integrated support center and apply offline.
3-1. Dealer
3-2. Application procedure
To apply for a special guarantee for those with the lowest credit, please follow the steps below.
The documents required for special guarantee for those with the lowest credit are divided according to the conditions of the applicant. Please check the documents applicable to you.
Receive guidance on submission documents for special guarantee for those with the lowest credit
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