JB우리캐피탈 다이렉트

Review of JB Our Capital Financial Services

JB Our Capital has recently revamped its financial services, offering a user-friendly UI/UX tailored for mobile users to provide a more convenient loan application process.

Explore JB Our Capital Direct's personal loans and loan products for purchasing new (rental cars/auto lease/auto loans) and used cars.

• Accessible 365 days a year via mobile, offering easy credit limit checks and paperless online loan applications/contract submissions.
• Convenient and diverse authentication methods for login and speedy loan approvals.
• Services include credit loans, extensive vehicle comparisons, and solutions for car rental and auto leasing, all readily available on mobile platforms.

Available Services:

• Personal Loans: Quick financial approvals for customers in need:
  • - Credit loans
  • - Car title loans
• Car Financing: For customers considering new or used car purchases:
  • - Long-term car rentals
  • - Auto leasing
  • - New car loans
  • - Used car loans

* Some products and services may be subject to internal restrictions.

App Permissions Information:

• Mandatory Permissions:
  • - Media: ID scanning for loan applications
  • - Storage: Temporary storage and deletion of ID scans
  • - SMS: Sending authentication texts
• Optional Permissions:
  • - Notification Services (PUSH): Providing notifications on information, benefits, events, etc. (Agreeing to optional permissions is not mandatory for app usage).

Loan Information:

• Loan Repayment Period: 12-60 months
• Annual Percentage Rate: 12%-19.9% (Interest rates vary based on customer credit scores, etc.)
• Late Payment Fee: Contractual interest rate + maximum of 3% (within legal limits)
• Early Repayment Penalty: Up to 2.0%
• * Handling Fee: None
• * Document Stamp Tax: Incurred for loan requests exceeding ₩50 million (50% of the amount specified per the Document Stamp Tax Law)

Representative Loan Cost Example:

• Loan Repayment Period: 36 months
• Loan Amount: ₩10,000,000
• Loan Interest Rate: 12%
• * Monthly Payment Amount: ₩332,143 Loan Principal: ₩10,000,000 / Loan Interest: ₩1,957,152 Total Repayment Amount: ₩11,957,152