Sunshine Loan is a joint loan brand for ordinary people suffering from excessive debt.
Sunshine Loan is a product for self-employed people and workers with credit grades 1 to 7 and an annual income of KRW 35 million or less, or credit grades 6 and below with an annual income of KRW 45 million or less.

Living funds of 15 million won and living expenses can be combined to a maximum of 30 million won, and in the case of Saitdol 2 loan, up to 20 million won is possible. This product allows two products to be processed simultaneously.
All products advertised on this site have a repayment period of 12 months or more.
The maximum annual interest rate is 24%. An example of the total cost of a loan is as follows:
When borrowing 1,000,000 won at an interest rate of 24% for 12 months, maximum annual interest rate: 24%
Total repayment amount: 1,134,715 won
(However, the amount may vary depending on the payment date and interest rate changes, and if the payment is not delinquent for more than 12 months, an interest rate reduction may be applied and the payment amount may be lowered further.)

Sunshine Loan
ㆍTarget customers: Workers and business owners who have been employed for more than 3 months
ㆍLoan interest rate: 5.8~10.6% per year
ㆍLoan limit: Up to 30 million won (differential by credit rating, living funds + loan funds)
ㆍRepayment method: Repayment of principal in equal installments (partial repayment of principal + monthly interest)
ㆍLoan period: 3 or 5 years
ㆍCommission: None (however, for Sunshine Loan, guarantee insurance premium is incurred depending on the loan period)

Delinquency for more than 3 months, bankruptcy, utility bill arrears, credit welfare service, bankruptcy and exemption decision, personal rehabilitation, etc.
If there are any reasons, lending is limited.

If a financial institution has more than one overdue payment of 10 days or more or more than 4 overdue payments of 10 days or more within the past 3 months, the loan will be restricted (not applicable to defaulters).