토스 비상금 대출Like Kakao Bank, Toss Bank also handles emergency loans. As a fintech company, the screening itself is not complicated, and since it belongs to a first-tier financial institution, the interest rate is also good.
Toss Emergency Loan is a credit loan product that does not have a very high limit, but is a small loan product that can be useful in times of emergency.
Therefore, you can easily receive a Toss emergency loan anytime, anywhere without having to prepare complicated documents or visit the bank.
To put it simply, as long as you don’t have any credit issues, you can get an emergency loan even if you don’t have proof of income.
Toss emergency loan limits range from a minimum of 500,000 won to a maximum of 3 million won. Individual limits are applied differently depending on the Seoul Guarantee Insurance review standards.
The interest rate for emergency fund loans is currently set at a minimum of 6.31% per annum to a maximum of 15,00% per annum (as of September 30, 2023). Interest rates are also applied differently depending on individual credit rating.
If there is an unpaid amount as of the monthly payment date, overdue interest accrues as follows.
Although it is not as strict as other credit loan products, there are still cases where it is rejected during the screening process.
If your credit rating is very low, this may be grounds for rejection. Usually, grades 6 and below are often rejected, but in some cases, grades 7 are also applied, so it is best to apply regardless of whether it is accepted or not.
If expected borrowings are judged to be excessive compared to income, the loan may be rejected due to insufficient repayment ability. Also, if you have only recently received a loan, you may be rejected from the screening process.
Simply making an inquiry will not lower your credit rating. However, if you take out a loan, your rating may temporarily drop, but if you repay it faithfully without delinquency, it will be immediately upgraded.
Yes it is possible. However, it may vary depending on your credit rating, so it is best to check before proceeding.
The number of users has increased rapidly as the Toss emergency fund loan can be used quickly and easily when we need money in a hurry. Loans are easy to borrow, but very difficult to repay, so it is best to use them only when absolutely necessary.
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