광주은행 햇살론뱅크Sunshine Loan Bank
Sunshine Loan Bank is a ‘stepping stone’ product that supports low-credit and low-income individuals who have used policy-based financial products to settle into banking by improving their debt or credit rating.
※ Sunshine Loan Bank is operated with bank contributions as its financial resources.
Support target
Low-credit and low-income individuals who have faithfully repaid policy-based financial products and improved their debt or credit rating
Loan limit
Up to 25 million won (temporary increase from ‘22.2.25 to 24.12.31)
Loan period
3 years or 5 years
Loan interest rate
Varies by bank
Guarantee fee
1.4-2.5% per year
Support target
※ Even if you meet the above support target, the guarantee and loan may be ultimately rejected based on the results of the Small Business Finance Promotion Agency’s guarantee review and the bank’s own loan review. Detailed information
Loan limit
Minimum 5 million won ~ Maximum 25 million won*(Temporary increase from 25.2.22 to 31.12.24)
* Varies depending on the results of the guarantee review of the loan originator, etc.
Loan period
3 years or 5 years (Up to 1 year of grace period can be granted within the period)
* (When selecting 3 years) 1 year of grace period + 2 years of principal and interest repayment period, (When selecting 5 years) 1 year of grace period + 4 years of principal and interest repayment period can be selected
Interest rate and guarantee fee
* 1.0%p reduction for socially disadvantaged persons, 0.1%p reduction for those who have completed financial education and consulting, 0.5%p reduction for low-income youth (However, cannot be applied in duplicate with socially disadvantaged persons)
Repayment method
Equal installment repayment of principal and interest (early repayment fee exemption)
Usage procedure
Application through the affiliated bank window or app
○ BNK Gyeongnam Bank, Gwangju Bank, KB Kookmin Bank, IBK Industrial Bank of Korea, NH Nonghyup Bank, IM Bank, BNK Busan Bank, SH Suhyup Bank, Woori Bank, Jeonbuk Bank, Jeju Bank, Hana Bank, Shinhan Bank, Toss Bank
※ (Pre-inquiry) Before applying for a loan, you can use it more conveniently by checking whether you are eligible through the Small and Medium Business Administration App and then visiting the bank.
* Since this is a simple pre-inquiry, it may differ from the actual guarantee and loan availability.
Contact
○ (Loan Inquiry) Affiliated Bank Call Center
BNK Gyeongnam (1600-8585), Gwangju (1600-4000), KB Kookmin (1588-9999), IBK Industrial (1588-2588), NH Nonghyup (1661-3000), IM Bank (1566-5050), BNK Busan (1588-6200), SH Suhyup (1588-1515), Woori (1588-5000), Jeonbuk (1588-4477), Jeju (1588-0079), Hana (1588-1111), Shinhan (1577-8000), Toss Bank (1661-7654)
○ (Guarantee Inquiry) 1397 Small Business Finance Promotion Agency Call Center is providing guidance.
Submission Guide
Currently, in order to confirm employment/business operation for more than 3 months (or pension receipt at least once), you must submit proof of employment/business and income.
※ Real-name verification documents such as resident registration cards are commonly required.
Apply for Sunshine Loan Bank on the Small and Medium Business Administration app
Scan the QR code on the right to download the app!
’24. 2nd quarter Sunshine Loan Bank status
※ ‘24.2nd quarter new loan criteria (lowest average interest rate), amount-weighted average interest rate (excluding guarantee fee), credit score criteria when applying for guarantee
Quick menu
Consultation chatbot
(04527) 9th to 12th floor, 14th floor, Grand Central, 14 Sejong-daero, Jung-gu, Seoul
Main phone number 1397 without area code (Weekdays 09:00 to 18:00)
[Certification scope] Operation of public service (web, mobile) [Validity period] 2022.02.23. ~ 2025.02.22.
Copyright Since 2016 Korea Inclusive Finance Agency. All Rights Reserved.
[Certification Scope] Operation of public services (web, mobile) [Validity Period] 2022.02.23. ~ 2025.02.22.
