Learn about Sunshine Loan new loans and re-loans
Minimum of 6% per year ~ maximum of 11% per year
(within the repayment rate announced by the Financial Supervisory Service every month / variable rate)

Customers with an annual income of KRW 45 million or less and one or more CSS personal credit ratings in the bottom 20/100*
(However, if the annual income is less than 35 million won, it is possible regardless of credit rating)
Customers who can issue a guarantee certificate from the Small Finance Promotion Institute

Repayment period (loan period)
Choose between 3 or 5 years

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vehicle mortgage loan
A product that provides a loan for urgent living businesses using the vehicle as collateral
Even if you are using an existing car loan, additional loans are possible
Minimum KRW 1,000,000 ~ Maximum KRW 50,000,000

Koreans aged 20 or older who own a vehicle (individuals and sole proprietors)
Customers with a KCB personal credit score of 475 or higher

Loan interest rate: 9.9% ~ 19.9% ​​per year (differential application depending on KCB SP grade)
Overdue interest rate: Contracted interest rate + 3% (up to 20% per annum) (Legal maximum interest rate (interest rate for loan business) is 20% per annum)

Repayment period (loan period)
Minimum 12 months - maximum 60 months

It is illegal to ask for or receive a brokerage fee and you will not receive any fees associated with the loan.
Excessive debt can bring you great misfortune. It is illegal to collect brokerage fees other than interest.
No other incidental expenses such as handling fee and early redemption fee
Repayment method: Equal principal and interest repayment method, repayment method at maturity​
Disadvantages in case of overdue: credit rating downgrade and overdue interest may occur
Your credit rating may go down when you take out a loan.