무직자대출 (모바일 대출, 소액대출) 알아보기 4.0

In recent years, rising costs and interest rates, coupled with economic downturns leading to job losses, have increased the number of individuals facing unemployment. In times when urgent financial assistance is needed, many may wonder about the availability of loans. Our app serves as a resource for those seeking information on loans accessible to unemployed individuals.

Information Provided by the Unemployed Loan App (Mobile Loan, Small Loan)

• Loan Information: Are you aware that the government offers certain loan programs? In challenging circumstances where even private lending options seem inadequate, there are government-backed financial products designed to assist low-income citizens. Explore available government-supported options.
• Various Loan Categorization for Unemployed/Low Credit Individuals: We have compiled diverse options for loans available to unemployed and low credit individuals. Our platform includes offerings from multiple banks including KakaoBank, Toss Bank, and Shinhan Bank, allowing users to find loans tailored to their specific needs.
• Interest Calculator - Simulation Tool: Determine how much interest you might pay on your desired loan and what your monthly repayment amount would be. If you're finding it challenging to calculate these figures, utilize our interest calculator for an easy visual representation of loan terms and repayment amounts.

Loan Terms:

• Interest Rate: Up to 20% per annum
• Late Payment Interest Rate: Loan Interest Rate + 3% (up to 20% per annum)
• No additional fees such as processing fees
• Repayment Period: Minimum 12 months to a maximum of 60 months
• Repayment Methods: Equal principal and interest repayment, equal principal repayment, or lump-sum repayment at maturity
• No prepayment penalties or conditions for early loan repayment
• Any request or receipt of intermediary fees is illegal; we do not charge any fees related to the loan process.

Please note that taking out a loan may impact your credit score negatively. Excessive borrowing can lead to significant financial stress.

The products advertised on this site feature a repayment term of over 60 days, with a maximum annual interest rate of 20.0%. For example, borrowing 1,000,000 KRW over 12 months at an interest rate of 20.0% would result in a total repayment amount of 1,116,614 KRW (this amount may vary based on the specific loan product).

Disclaimer:

• This app does not represent the government or any government agency.
• This app has been developed to provide high-quality information and does not assume any responsibility for the accuracy or outcomes related to the information provided.