토스 비상금 대출Toss Bank emergency loan details
Learn about reasons for emergency fund loan rejection and alternatives
Toss Bank Emergency Loan is a small loan product that can be easily used when you urgently need cash. It is very convenient to use as it can be used easily when you suddenly need cash.
When I need money urgently, I often get cash through the Toss emergency loan product. We recommend the Toss Emergency Loan because it is easy to use and has a low interest rate compared to other products.
Customers who can subscribe to Seoul Guarantee Insurance’s personal finance credit insurance without employment or income restrictions
Koreans over 19 years old
Customers who do not have credit rating information such as delinquency and bankruptcy information registered
Customers without rehabilitation, bankruptcy, or exemption from liability
Customers who do not have a delinquent loan
Customers with no records of financial fraud or other restrictions on financial transactions
Customers who are not using Toss emergency loan
Minimum 500,000 won ~ Maximum 3 million won
Different limits are given to each individual according to the Seoul Guarantee Insurance review standards, but loans are available starting from a minimum of 500,000 won, so it can be useful if you need urgent money.
Lowest 6.35% ~ Highest 15.00%
The final interest rate is determined by combining the base interest rate and the additional interest rate. The base interest rate is 4.09% per year, and the additional interest rate is 2.26% ~ 10.91% per year for each individual, which is applied differentially according to individual conditions.
The loan period is one year and is repaid in a lump sum at maturity. It can be extended in 1-year increments up to 10 years.
Cases where emergency fund loans are rejected mainly include cases where Seoul Guarantee Insurance cannot be issued, cases where the loan repayment ability is judged to be low due to a low credit rating, cases where the loan limit has been exceeded, and cases where there is a problem with credit information.
In addition, if there are late payments, non-payment, etc., or if you have been involved in financial fraud in the past, you may be refused an emergency fund loan.
In addition to this, there are many cases where emergency fund loans are rejected for various reasons. If you have been rejected for an emergency fund loan due to Seoul Guarantee Insurance, check out alternatives through the link below.
Learn about reasons for emergency fund loan rejection and alternatives
Since the Toss Emergency Loan is only available to customers who have received Seoul Guarantee Insurance, it is difficult for those who have not received Seoul Guarantee Insurance to use the Toss Emergency Loan.
In this case, please refer to products that allow you to get a loan without Seoul Guarantee Insurance, such as Peppers Emergency Fund Loan and Finck Emergency Fund Loan.
Learn more about Peppers Emergency Loan
Toss Emergency Loan is a small loan product that can be used very easily online. I often use it and receive a lot of help, but after using it, I repay the loan as quickly as possible to minimize interest.
Excessive borrowing can cause great difficulties for individuals, so please consider carefully before taking out a loan.
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