토스 비상금대출 신청방법Representative image of Toss emergency loan application review, reasons for rejection, and countermeasures
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Toss Bank emergency fund loan is available to customers who can subscribe to Seoul Guarantee Insurance’s personal finance credit insurance without employment or income restrictions, and does not require customer-borne costs or documents confirming eligibility criteria. Up to 3 million won is available, and you can apply at any time, 24 hours a day, 365 days a year.
The limit is from a minimum of 500,000 won to a maximum of 3 million won, and the limit is given differently according to the Seoul Guarantee Insurance review standards. There is no additional cost to be borne by the customer when applying and executing the application, and interest is paid through automatic transfer on a set date according to the amount used each month.
The interest rate can vary depending on the point in time, from a minimum of 6.11% per year to a maximum of 15.00% per year, and the interest rate is about 0.3% higher than that of a negative account. In particular, the interest rate may be high for unemployed people with low credit and those who are new to society, so please be careful when applying. Additionally, if there is an unpaid amount as of the monthly payment date, overdue interest will accrue, and interest at the loan rate +3% will accrue. If the overdue interest rate is more than 15% per annum, the loan interest rate +2% will be applied.
Toss Bank Emergency Loan is available 24 hours a day, 365 days a year, and can be used non-face-to-face, making it possible to borrow without visiting. You can apply for the Toss Bank emergency loan through a mobile app, and it is convenient as you can apply with just a few clicks of a button.
Duration: 3 minutes
1. Launch the Toss Bank app and touch Loan > Find out about Toss Bank loans > Emergency fund loan > Find out about emergency fund loans.
2. Confirm the agreement to the required terms and conditions and precautions for the proceeding process.
3. After verifying your identity, simply follow the instructions in order.
If you have difficulty reapplying or have been rejected again for an emergency fund loan, it is recommended that you look into emergency fund loans from other banks. This is because emergency funds can be easily applied for at other banks. Please refer to the Sunshine Loan application for low-income earners with low credit below.
How to apply for the Sunshine Loan Special Guarantee for low-income earners, complete review from A to Z
How to apply for the Sunshine Loan Special Guarantee for low-income earners, complete review from A to Z
Sunshine Loan 15 is a government-supported loan product for the common people. This is a good product for people with low income and low credit because the eligibility requirements are not strict. However, it is difficult to prove income or employment status.
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Q. Are there any disadvantages if I take out a loan and repay it before maturity?
Toss Bank emergency loan is exempt from early repayment fees, so there are no additional costs.
Q. If my credit score goes up in the future, can I request a lower interest rate?
The emergency fund loan is a loan secured by a Seoul Guarantee Insurance guarantee and is not subject to interest rate reduction requests according to the agreement with the insurance company.
Q. What should I do if I have received a loan and want to withdraw it?
You can apply within 14 days from the loan execution date by returning the loan principal and interest and costs borne by the bank.
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