비상금 대출 거절Kakao Bank Emergency Loan allows you to borrow as much money as you need without any burden. Anyone can apply quickly and easily as long as they have a Kakao Bank deposit/withdrawal account.
Kakao Bank
An emergency fund loan is a mobile emergency fund that allows you to borrow small amounts of money only for what you need. This is possible with just a Kakao Bank deposit/withdrawal account, without needing loan documents or visiting a branch. You can receive an emergency loan right away after checking your credit rating just by verifying your identity with your mobile phone. You can use it through ATM withdrawal, online/offline payment, by transfer or check card.
Any Kakao Bank customer aged 19 or older can freely apply. Only one emergency loan is available. You may be rejected depending on your credit rating, and you can check the exact loan availability through application.
Any customer with an external credit rating (CB) between 1 and 8 and no reasons for loan rejection, such as delinquent payments, can apply. It is the same as a small minus bankbook loan.
The minimum amount is 500,000 won and the maximum is 3 million won, and the interest rate varies depending on credit rating. The loan interest rate is changed in conjunction with the base interest rate of 1 year, the financial bond distribution yield (interest rate notified by the Korea Financial Investment Association). The base interest rate change cycle is one year, so the interest rate does not change during the loan period. At maturity each year, it is linked to the base interest rate that changes according to the fluctuation cycle. If you apply for a period extension, a new additional interest rate will apply.
Interest accrues only on the amount used within the loan limit. The requested amount is not deposited, but is authorized to be used at any time. No interest is charged if you do not use it.
The loan period is one year, and can be extended in one-year increments unless there is a reason for loan rejection such as delinquency upon maturity. If you do not wish to extend the deadline, you can cancel at any time in the limit cancellation menu.
You can apply through the Kakao Bank app. You can check the loan interest rate and details after verifying your resident registration number and mobile phone text message.
Run Kakao Bank > Select emergency fund loan menu > Verify name, resident registration number, and mobile phone > Confirm and agree to product description and terms > Check loan limit and interest rate > Open a new account (if you do not have an existing account) > Recharge emergency fund > Complete loan
Approval may be denied if any of the following reasons applies, such as a holder of an overdue loan from a financial institution, a customer registered with information to determine creditworthiness, or a reason for transaction restrictions, such as having an account registered to report financial fraud, depositing money into an account linked to a limit loan, or registering a payment suspension. .
Using an emergency loan will not have a significant impact on your credit rating. Even if you are using an emergency fund loan, you can apply for a negative bank account loan and credit loan.
If you suddenly need cash, we recommend using Kakao Bank service.
Kakao Bank FAQ – Emergency Loan
