무직자 대출 가능한 곳Since most financial consumers seeking small loans are unemployed, we will explain with a focus on the unemployed.
easy table of contents
In the case of office workers, freelancers, business owners, etc., unless you have major credit problems, you will not want to take out a small loan.
If you are in that situation, you should actually look into small loans from money lenders.
Because the unemployed have no income, it is very difficult to get a loan.
In particular, because first-tier financial institutions strictly screen income and creditworthiness, it is virtually impossible for the unemployed to receive general credit loans other than emergency loans.
So, is there no way for the unemployed to raise funds other than an emergency loan?
Not necessarily so.
However, to receive a loan, you must meet one of the following:
Emergency fund loans from first-tier financial institutions are available to even the unemployed, and are characterized by the ability to easily apply through mobile phones without visiting or submitting documents.
The financial products below are the quickest and easiest to use small loan products for the unemployed.
DGB Tsudam Tsudam Easy Loan is a small loan product handled by Daegu Bank. Since there is no need to issue a Seoul Guarantee Insurance guarantee, duplicate loans are possible even if you have an emergency loan from another first-tier financial institution.
Learn more
Kakao Bank Emergency Fund Loan is a small minus bank account loan that any Korean over the age of 19 can apply for, regardless of occupation or income.
Learn more
Toss Bank Emergency Loan is a small loan product targeting customers who can subscribe to Seoul Guarantee Insurance’s personal finance credit insurance.
Koreans over 19 years old
Those who can subscribe to Seoul Guarantee Insurance’s personal financial credit insurance
Loan limit: Minimum 500,000 won ~ Maximum 3 million won
Loan period: 1 year (extendable up to 10 years)
Loan interest rate: 5.83% per annum ~
High loan approval rate
Learn more
This is a product launched in partnership between DGB Daegu Bank and Finq, and you can apply and contract through the Finq app.
Learn more
K Bank Emergency Fund Loan is a product that allows Koreans over the age of 19 to receive a limit loan (minus account) of up to 3 million won if their credit rating information such as delinquency or bankruptcy is not registered.
Learn more
Small loans from second-tier financial institutions have relatively relaxed loan screening standards compared to loans from first-tier financial institutions, so even people with low credit are often eligible for loans.
However, it should be noted that documents and proof may be required for second-tier loans.
Kiwi Emergency Loan is an emergency loan product that allows you to easily check and apply for limits online and through mobile devices.
Learn more
Peppers Emergency Loan is a credit loan product that provides loans of up to 5 million won to customers who can repay based on their estimated income.
Learn more
Microloans from 3rd financial institutions are aimed at financial consumers who have difficulty obtaining loans from institutional financial institutions due to delinquency, bad credit, etc.
24Clean Loan is a loan company that provides same-day loans to customers under various conditions, such as the unemployed, those with low credit, those who are delinquent in telecommunications, those who are delinquent on guarantees, and those who are in financial arrears.
Learn more
Success Loan allows loans to be made without credit checks or changes, and limits can be approved simply through conversation with the customer, regardless of work income.
Learn more
First-tier bank loans generally offer low interest rates and are provided by highly reliable financial institutions.
Therefore, you can negotiate the loan amount and repayment terms to get the most advantageous loan for you.
Government-backed small loans have the advantage of low interest rates and long repayment periods.
Therefore, if your credit rating is low or you do not need urgent funds, you can consider government-supported small loans (small living expenses loans).
Rehabilitation loans determine loan availability by considering the debtor’s current financial status and future financial prospects.
Therefore, even individuals with low credit scores or limited income have the opportunity to obtain a loan.
There are various loan products such as P2P loans, card loans, capital loans, and car collateral loans. Therefore, it is important to take out a small loan that suits your situation.
If you are considering a small loan, please refer to the information above and choose the loan product that is most advantageous for you.
We offer our sincere condolences to those who are going through a difficult time.
I think this is an even more difficult time for those who are struggling to make a living for their families. Salaries are delayed, daily necessities are becoming more expensive, and I am worried about children’s education expenses…
In times like these, small loans can feel like hope.
However, in such situations, please be aware of the risks and use your funds in a planned manner.
Reference site: Korea Inclusive Finance Agency
Comment
Save my name, email, and website in this browser for the next time I comment.
Δ
You cannot copy the content of this page.
