케이뱅크 신용대출플러스 자격조건The limit is up to 50 million won, and there are cases where even unemployed people received loans, so this is a product that many people are interested in.
This is a low-interest product with an interest rate of less than 6% per annum and may vary depending on credit rating.
If you apply for Credit Loan Plus after installing the K Bank mobile app, you can apply and receive automatic screening without any hassles such as calling your employment or verifying your income.
This product is a household credit loan product with a limit of up to 50 million won, and the loan period can be selected in one-year increments up to three years.
You can set it to a period that suits your financial plan. As the banking limit has been set by recent lending regulations, product sales may end early when the monthly limit is exhausted.
Once the sale ends, you will be able to apply again next month.
All customers who meet K-Bank’s internal screening standards are eligible to apply, and there are cases where even unemployed people have been approved. Even if your credit is not good, you can be approved if you have an excellent record, such as expected loans and past transaction history.
However, past delinquency records have a negative impact on credit loans, so please check and manage them in advance on a personal credit evaluation site.
The minimum annual interest rate is 3.92% ~ the maximum annual interest rate is 6.94%, and is applied differentially depending on credit rating, and is determined after a comprehensive judgment based on other customer-specific transaction conditions.
You can receive a preferential interest rate by transferring your salary to K Bank, using a check card, automatically paying utility bills, holding a deposit, and paying the principal and interest normally. Additional preferential interest rates are also applied when you transfer more than 500,000 won per month after taking out a loan.
In case of late payment, a late payment interest rate of +@ is applied, and up to a maximum of 15% per annum may be added.
You can choose from 1 year, 2 years, or 3 years, up to a maximum of 3 years. Since repayment is carried out in equal repayment of principal and interest, it is advantageous for those who have difficulty raising funds to select 3 years to reduce monthly payments.
You can apply for a loan non-face-to-face through the Internet homepage or K-Bank mobile app. If you apply via mobile phone, you must access it from a mobile phone in your name.
👉 Download K-Bank app (Android)
👉 Download K-Bank app (iPhone)
The loan will only be deposited into an account in your name, and you can change the principal and interest payment date once during the loan agreement date.
Other inquiries: K Bank Customer Center (1522-1000)
If you are rejected after checking the limit, it is usually because you have a high expected loan relative to your income, have a past delinquency history, or have a poor credit rating.
K Bank is a first-tier financial institution, so loan screening is bound to be more stringent than that of savings banks or loans. If you do not meet the conditions, we recommend that you try a product linked to a first-tier financial institution among microfinance loans.
K Bank Credit Loan Plus
