저신용 소액대출 신청방법Generally, it refers to a credit loan with a loan amount of 5 million won or less, and is mostly carried out as a credit loan.
Types of small loans are divided into emergency fund loan products, which are small loans from banks, and government-supported low-income loan products. Emergency fund loans are handled by both first- and second-tier financial institutions, and the limit is usually around 3 million to 5 million won.
In the case of government-supported loans for low-income people, it is a product designed to provide financial support to people with low credit, financially vulnerable people, or low-income people. Loans are mainly supported by the Korea Workers’ Compensation and Welfare Service or the Korea Inclusive Finance Agency, and the limit may vary depending on the purpose of the loan.
If the conditions are met, it is advantageous to receive unconditional government support.
The conditions for the special guarantee for those with the lowest credit are as follows.
You must meet all three of the above conditions, not just one, to receive a special guaranteed loan for those with the lowest credit.
The loan limit for the special guarantee for those with the lowest credit is up to 10 million won, and the first loan is possible within 5 million won, and one additional loan (up to 5 million won) is possible if you make regular payments for 6 months.
Please check the link below for detailed information on the special guarantee for those with the lowest credit.
Emergency welfare livelihood support funds refer to temporary and rapid support to people who are experiencing difficulty making a living or other crisis situations and need help quickly, or to household members who share their livelihood and residence with them.
If you are facing a variety of livelihood crises other than the reasons above, you can apply for emergency welfare livelihood support, which will be paid according to the number of household members.
You can apply for emergency welfare livelihood support funds at any time, and for more information, please refer to the link below.
Small cost-of-living loans are government-supported loan products for ordinary people who have difficulty accessing even loan businesses and are forced to use illegal private loans.
If you meet the above conditions, you can apply regardless of employment status or expected loan amount.
The limit is up to 1 million won. Please check below for more details.
If you would like to learn more about various government support products, please check the link below.
In the case of savings banks, the interest rates are somewhat higher than those of general banks, but the probability of approval is also high, so if you use them well, you can use them to your advantage.
The Peppers Emergency Loan provided by Pepper Savings Bank has a higher limit compared to other emergency loan products.
The Peppers Emergency Fund Loan is an emergency fund loan product that has a very high chance of being approved as long as you can provide proof of estimated income.
Anyone can apply for the Kiwi emergency fund loan product as long as they meet the personal credit evaluation criteria, regardless of occupation and income.
Kiwi emergency fund loans can be applied for in increments of 500,000 won, and up to two accounts are allowed within the limit.
To learn more about emergency fund loans with a high rate of approval, please check the link below.
In this article, we looked at how to get a small loan with low credit.
For those with relatively low credit, it is virtually impossible to get a bank loan, so there may be moments when you are at a loss because there is no place to ask for help when you urgently need money.
Try using government-supported products with the lowest interest rates as possible, and if government-supported small loans are not possible, it may be a good idea to look into the emergency fund loans above.
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