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Star Savings Bank Hi-Lon Loan is a financial product that can be used by those with low credit scores, and it is an attractive loan product that can be tried even in situations where it is difficult to get additional loans due to many existing loans or low credit scores.
In particular, it can be a very useful choice for those who need urgent funds because you can apply at any time 24 hours a day and deposit the money on the same day after application.
In this article, we will take a detailed look at the qualifications, limits, interest rates, reviews, and reasons for rejection for Star Savings Bank Hi-Lon Loan.
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To apply for Star Savings Bank Hi-Lon Loan, you must meet several basic qualifications. The loan qualifications for this product are as follows:
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This product can only be applied for by those who can prove their income, so it may be difficult for the unemployed or college students to use. Therefore, it is a product suitable for office workers, self-employed people, and freelancers who have verified income even if their credit score is low.
Loan limits and interest rates are applied differently depending on the credit rating and repayment ability of the loan applicant.
The loan limit starts from a minimum of 1 million won and can go up to a maximum of 20 million won, and the interest rate is applied from a minimum of 6.7% per annum. Since the lower the interest rate, the less the repayment burden, it should be considered that it is applied differently depending on the credit rating.
For example, if you receive a loan at the lowest interest rate, you will incur an interest of about 5,583 won per 1 million won. This may vary depending on the individual’s credit rating, but the interest burden is relatively low.
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The loan period and repayment method are also set flexibly, so they can be adjusted to suit the borrower’s situation.
The loan period can be set from a minimum of 1 year to a maximum of 5 years, and can be extended in 1-year units.
The repayment method is a lump sum repayment at maturity, where only interest is paid every month and the principal is repaid in a lump sum at maturity. In addition, the early repayment fee is exempted, so there is an advantage of not being charged a separate fee even if the loan is repaid early.
Since Star Savings Bank’s Hi-Loan loan is a product targeting low-credit borrowers, loans are often executed even if your credit rating is low or you have a lot of existing loans. In particular, small amounts of around 3 million won tend to be relatively easy to borrow, so it can be very useful in situations where you need urgent funds.
There are also cases where a loan application is rejected. The loan may be rejected mainly for the following reasons:
Therefore, to avoid rejection, it is important to manage your credit score and income, and it is also necessary to manage your existing loan status well.
Star Savings Bank’s Hi-Loan loan is a customized financial product for low-credit borrowers, and it offers especially favorable conditions for those who need small loans.
There are many advantages, such as quick loan execution and exemption from early repayment fees, but if your credit rating is low, the interest rate burden may be high, so you need to be careful when applying for a loan. It is important to check your credit score and income status in advance, and to thoroughly establish a repayment plan after applying for a loan.
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