카카오뱅크 비상금대출 조건In this post, I would like to learn more about Kakao Bank emergency fund loans. Please refer to the contents below before making a loan and proceed with the contract!
※ This post reflects the latest information as of May 2, 2023.
Customers who meet all of the criteria below, regardless of occupation or income
Loan interest rates range from 4.419% to 15% per annum. For any loan, late payment of interest on the loan is a major factor in lowering your credit score. In order to manage your credit score, we recommend that you pay your interest on time. (Extension may not be possible in case of overdue.)
If you are a person with medium-low credit (KCB credit rating below 50%), it will be converted to a medium-credit emergency fund loan and the interest rate will rise slightly.
When used as a mid-credit emergency fund loan, the annual interest rate is 6.185% to 11.707%.
Loan limits are available from a minimum of 500,000 won to a maximum of 3 million won.
🧮 If you borrow 3 million won for 1 year at an interest rate of 6%
Calculate your own loan interest using the loan interest calculator below!
The loan period is one year, and an application for extension is required before the loan expires. The repayment method is a lump sum repayment at maturity, and you can freely deposit and withdraw within the period, and repay the loan and interest in full at maturity.
Emergency fund loan applications can be received from 06:00 to 23:00, 365 days a year, and the document submission time is 08:00 to 22:00, 365 days a year, which is the operating time of Hometax. Documents are automatically submitted by entering the joint certificate password on the smartphone or PC with the certificate. Next, we will explain how to apply for an emergency fund loan. Follow the screenshots and descriptions below in order.
Download and access the Kakao Bank app through the link below.
Touch the [All Menus] icon at the bottom of the Kakao Bank app, access [Emergency Money Loan] in the loan menu, and touch the [Apply] button.
Agree to the terms and conditions, proceed with cell phone authentication, and proceed with the suitability of the emergency fund loan product.
Set the account to receive the loan and the purpose of use, touch the [Next] button, and click the [Yes] button in the next pop-up window to execute the loan.
We have summarized alternative products in case of Kakao Bank’s emergency fund loan rejection. The loans below are mobile loans and selected products that can be applied for 24 hours a day, 365 days a year.
This is K-Bank’s emergency fund loan product. The loan condition is for customers over the age of 19 who can issue Seoul Guarantee Insurance insurance policy. Interest rates range from 5.58% to 10.18% per annum. See the article below for details.
👉 K bank emergency fund loan conditions and application method [click]
This is an emergency fund loan launched by Toss Bank. 5.41% ~ 15% annual loan up to KRW 3 million is available. If you open a Toss Bank deposit and withdrawal account in the Toss app, you can make a non-face-to-face loan on the same day.
👉 Tossbank emergency fund loan conditions and application method [click]
All One Emergency Loan is a telecom grade loan like our emergency fund loan. Regardless of credit score, anyone who is using the 3 telecommunications companies can apply. The loan interest rate is 5.85 ~ 6.85% per year, and you can borrow from the All One Bank app.
👉 Nonghyup Allwon emergency fund loan conditions and application method [click]
Regardless of job or income, customers who meet all of the above criteria can apply for an emergency fund loan even to university students.
Kakao Bank does not have a big impact on the decline in credit score because it executes an emergency fund loan as the first financial sector. Rather, if you proceed with interest payments and transactions without overdue after proceeding with the emergency fund loan, you may see a score increase in the credit score system. (However, the effect on an individual’s credit score may vary depending on the current credit score and debt status. )
As you can see by reading the reasons for refusal above, there are cases where the guarantee review is rejected because it does not meet the criteria for emergency fund loan guarantee review.
The loan period is 1 year, if you apply for an extension before maturity, you can extend it by 1 year after the extension review, up to a maximum of 10 years. The loan interest rate may increase when the loan is extended. Emergency fund loans from Kakao Bank are easy to use because loans can be made within a short period of time. However, reckless loans can worsen the debt situation, so please proceed with the loan in line with your repayment plan.
I’ve tried the Kabang emergency fund loan, but the review and loan were completed within a minute, enough to doubt whether money can be borrowed so quickly with the Kakao Bank app. If issuance of insurance policy is a condition of Seoul Guarantee Insurance, it may be difficult to obtain a loan if there is no financial transaction record. Take advantage of the benefits and run the loan!
It comes out to the maximum of 3 million won, and the interest rate seems to come out at an average of 6-7%.
Calculate your monthly interest using our loan interest calculator.
Calculate the interest on deposits and installment savings using the deposit interest calculator.
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