Let’s look at an easy place to get a 소액대출 for unemployed people.
If you use the emergency fund loan for the unemployed, you can get a simple loan of 3 million won, even for those with low credit in grade 8.
You can find more products than you think from the bank to find the suitable conditions between the 1st and 2nd financial sectors.
unemployed 소액대출 추천
This article has compiled a list of unemployed people’s microloan products. Each loan product has different conditions, so you can check the product that is most advantageous to you.
Nonghyup Loan for the Unemployed All One Emergency Loan
The first product to be introduced is the All One Emergency Loan, which you can apply for at the Nonghyup. It is a representative NACF loan product that can be used for up to 3 million won for the unemployed.
The loan limit may be set differently depending on the individual’s credit or repayment ability. Loan interest rates start at a minimum of 2.98% per annum.
Even if the interest rate is set high, you can lower the interest rate later by applying for the right to request a rate cut.
The loan term can be used for up to 3 years without a grace period.
To apply for a loan, you must be 19 or older and have a communication rating of 9 or less. SKT and KT calculate the telecommunication rating, and LG U+, the three telecommunication companies, and this rating are used to calculate the expected income.
In addition, detailed eligibility requirements can be found below.
It is a convenient emergency loan you can apply for using Shinhan Bank’s Shinhan Sol app.
This is a representative micro-loan for the unemployed in 1 financial sector.
The maximum loan limit is 2 million won, which is relatively low compared to other products. Also, loan rates start at a minimum of 4.05% per annum.
You may think the interest rate is high, but the actual interest burden is not that big because the limit is small. In addition, if you use Shinhan Bank, you can receive a preferential interest rate of up to 0.3%, depending on your transaction performance.
These days, the interest rates of other banks have risen a lot, so the interest rates on these products have become commonplace.
The loan period is one year as it can be used as a negative bankbook, which is a lump-sum repayment at maturity. In addition, there is no prepayment cancellation fee, so the interest burden can be reduced in case of an early refund.
To use this product, you must be 19 years or older and be able to issue insurance policies from Seoul Guarantee Insurance. In addition, it must satisfy our screening criteria.
This Woori emergency loan can be applied through Woori Bank’s Wibi Bank application.
It is one of the most accessible places for small loans where users of the three telecommunication companies can apply for up to 3 million won through communication grade calculation.
Loan rates start at a minimum of 3.80% per annum. It is a mobile microloan product that can be used at an average interest rate compared to other products. Recently, the interest rate has risen slightly due to fluctuations in interest rates, so please check the exact interest rate with a limited inquiry.
In addition, you can apply for an interest rate cut request right, so you can lower your interest rate later when your credit score improves.
The loan period is one year, and it can be repaid freely within the limit as long as it can be used with a harmful bankbook method. Early repayment is possible at any time as there is no cancellation fee.
Like the All One Emergency Loan, it is a product that can be applied for by calculating the communication rating.
Mobile microloan for unemployed people Finck emergency loan
It is a Finck emergency loan that is applied for in the Finck application and is reviewed by Daegu Bank. It is a 모바일 소액대출 추천 product for unemployed people, from inquiry to contract, without requiring documents or visits.
The maximum usage amount is 3 million won, but the maximum limit varies depending on the contract method. For example,
if you use it as a lump-sum payment at maturity, you can use it up to a maximum of 3 million won, but if you use it as a negative passbook, the limit is lowered to a maximum of 1 million won.
Loan rates start at a minimum of 3.08% per annum. The interest rate is low, and it is a product that anyone can use easily.
Unfortunately, interest rates have also risen slightly. You should check the exact interest rate through limit inquiry.
Regardless of the commitment, the loan term is one year.
Upon expiration, it can be extended through review.
In addition, since it is a product with no prepayment fee, early repayment is possible at any time.
However, if your credit rating changes when you re-apply, you may not be able to renew your contract.
Anyone 20 years or older with a credit rating of 8 or higher can apply for a loan. Find out more below.
Loan of 3 million won for unemployed people Kakao Bank 무직자 소액대출Emergency Loan.
You can apply for this Kakao Bank emergency loan in the Kakao Bank application.
This product is used by many people and is a 3 million won loan product for unemployed people who can borrow up to 3 million won.
Loan rates start at 3.09% per annum, and exact rates can be found when applying, as rates may fluctuate over time. Currently, it has risen slightly due to the increase in the base rate.
This product can be used as a negative bank account and the loan period is one year. This 소액대출 product for unemployed people can be extended by one year through an extensive review at maturity.
To qualify for a loan, you must be at least 19 years old and have an external credit rating of 1-8. These terms have changed, and we do not currently count outer credit lines.
Also, the essential condition is to be able to issue insurance policies from Seoul Guarantee Insurance. It is a representative Kakao Bank loan product for unemployed people regardless of occupation or income.
If there is a loanable amount according to the credit evaluation result, you can use a credit loan or a negative bankbook loan while using an emergency loan.
The essential condition for the Cabin Emergency Loan is the insurance policy review of Seoul Guarantee Insurance.
If you are rejected, you will not be able to use the product, so you must pass the screening first. Below, you can find out how to resolve a warranty review refusal.
If it is difficult to issue a Seoul Guarantee Insurance policy, you can use Kakao Bank’s mid-credit emergency loan. This product can be used without an insurance policy, but the interest rate is slightly higher than an 비상금 소액대출.
Simple Small Loan DGB Tsudam Tsudam Simple Loan
Loan rates start at a minimum of 3.32% per annum. Since the interest rate varies depending on the time of application, you can check the exact interest rate while applying.
Since it is impossible to use the right to request a rate cut, the interest rate received at the time of application will be maintained until the end.
The loan term can be set annually from 1 to 3 years. You cannot apply for the right to request a rate cut, but since there is no prepayment fee, you can reduce the interest burden through early repayment.
To qualify for a loan, you must be an individual with a credit card and have a Nice credit score of 459 or higher. Credit cards are recognized only when the information is registered with the Korea Credit Information Service.
A small loan of 500,000 won for unemployed people Hana OneQ Emergency Loan.
This Hana OneQ emergency loan can be applied using Hana Bank’s Hana OneQ application. You can apply for a minimum of 500,000 won so that you can apply for a small loan of 500,000 won to the unemployed.
The loan limit is up to 3 million won, a small loan product for unemployed people.
Loan interest rates start at a minimum of 4.532% per annum, and although it is the first financial sector, it is on the axis of slightly higher interest rates. Recently, interest rates on other bank products have risen and have become average. In addition, you can apply for the right to request a rate cut to expect a rate cut in the future.
This product can be used as a negative bank account, and the loan period is one year.
However, you can apply for an extension before the expiration date, and depending on the review results, you can extend it in increments of one year. In addition, since it is a product with no early repayment cancellation fee, early repayment is possible at any time.
To qualify for a loan, you must be 19 years of age or older and be able to issue a Seoul Guarantee Insurance policy.
Low Credit Unemployed Loan Cider Bank Emergency Loan
It is a cider bank emergency loan that can be applied for through the cider bank application of SBI Savings Bank.
This is a low-credit jobless loan product that can be used even if the credit rating is low.
The maximum loan limit is 5 million won, a higher limit than general emergency loans.
Loan rates start at a minimum of 6.9% per annum. Although the interest rate is a bit high, considering it is a bank in the second financial sector, it is a product that can be used at a low-interest rate.
Loan terms are available from 1 to 3 years.
There is no early repayment cancellation fee, so you can make early repayment at any time without worrying about costs.
To qualify for a loan, you must be at least 20 years of age and meet the criteria for personal credit evaluation.
The required personal credit score is 361 points or higher based on a Nice credit score.
As a product that can be borrowed 24 hours a day, 365 days a year, you can receive a deposit immediately after completing the loan application. More details can be found below.
Small loan for unemployed two financial sector SBI Savings Bank Speed Loan
It is a speed loan that can be applied through the Babylon application of SBI Savings Bank.
SBI Savings Bank, a representative medium-interest loan, is a 2nd financial sector product for unemployed 연체자 소액대출
The maximum loan limit is 5 million won, which is the same as the emergency fund loan of Cider Bank. However, the interest rate is as low as 16.4%, more than double the difference. The minimum interest rate is currently lowered and is set above 10.6%.
The reason for using this product, despite the significant interest rate difference, is that it is a micro-loan product for unemployed people who is 20 years of age or older and has a Nice credit score of 350 or higher.