최저신용자 특례보증 신청방법Find out how to apply for a special guarantee for those with the lowest credit
There is a ‘lowest credit borrower special guarantee’ that allows loans of up to 10 million won for those with the lowest credit in the bottom 10% of their personal credit score.
It is said that the support funds for those with the lowest credit will soon run out, so please apply now through the link below.
Click here to apply for special guarantee for those with the lowest credit
From now on, we will explain in detail how to apply for a special guarantee for those with the lowest credit, as well as the limits and interest rates.
Please first download the Korea Inclusive Finance Agency app (Google Play download, App store download). The detailed procedure is as follows.
Korea Inclusive Finance Agency app main screen
If you do not have a smartphone or a cell phone in your name, you can apply offline after making a reservation to visit the nearest Microfinance Integration Support Center through the Microfinance Call Center (☎ 1397).
Find a center near you
In order to apply for a special guarantee for those with the lowest credit, you must have a history of being rejected for Sunshine Loan 15.
If you have not yet applied for Sunshine Loan 15, please first apply for Sunshine Loan 15 through the link below.
Find out about high-interest refinancing loan Sunshine Loan 15 loan limit interest rate conditions
For those who are in a situation where they have no choice but to use high-interest loans such as moneylenders or illegal private loans due to low credit, you can easily use bank loans as long as you meet the minimum standards.
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Next, you must meet both conditions below to apply for the special guarantee for those with the lowest credit.
1. Bottom 10% of personal credit score (KCB 670 points or NICE 724 points or less)
2. Annual income less than 45 million won
You can easily check your credit score by clicking the button below, so please check it right now.
Check my credit score
The same person can borrow up to 10 million won. However, the maximum amount for the first use is 5 million won, and one additional loan is possible if you use it normally for more than 6 months.
Currently, there are only four banks that handle special guarantees: Gwangju Bank, Jeonbuk Bank, Welcome Savings Bank, and DB Savings Bank.
To ensure convenient use, we plan to further expand the number of banks available in 2023.
The single interest rate is 15.9% per annum. However, if you faithfully repay the loan during the repayment period, the interest rate will be reduced every year.
1. 3.0% point reduction when choosing 3 years
2. 1.5% point reduction when choosing 5 years
3. Jeonbuk Bank and Gwangju Bank reduce the guarantee fee rate by 0.1% when completing credit and debt management consulting from the Korea Inclusive Finance Agency.
Go to Credit Debt Consulting at the Korea Inclusive Finance Agency
If you have completed repayment of the existing special guarantee for those with the lowest credit, you can use it repeatedly without limit.
If you have been using the special guarantee for those with the lowest credit for more than 6 months, you can take out one additional loan.
▶ You can have up to two loan accounts.
▶ If there is a loan that has not been repaid, additional loans are only available from banks with outstanding loans.
In order to apply for a special guarantee for those with the lowest credit, 1) proof of employment and business and 2) proof of income are required.
The required documents are different depending on whether you are a wage earner, business income earner, or pension income earner, and you only need to submit one document depending on your occupation and income.
1. Documents confirming current employment for more than 3 months, business operation, and receipt of pension at least once
2. Each supporting document is only accepted if it was issued within 1 month from the date of application for guarantee.
List of documents to apply for special guarantee for people with lowest credit
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