핀다 - 1분만에 75개 금융사 대출 비교! 4.58.0

Finda offers a comparison of over 400 products from 75 financial institutions, including major banks in South Korea. Users can easily check the maximum limits and lowest interest rates for various loan types such as personal loans, secured loans, government-supported loans, business loans, and rental fund loans.

Through Finda Post, users can receive valuable financial information that enhances their daily financial management. For car owners, there is an exciting promotion from Jeonbuk Bank that covers the full interest for one month when taking a car-secured loan.

Loan Comparison

• Find the most advantageous loan options, including personal loans and secondary mortgage loans, without impacting your credit score.
• Compare products from major banks, including Woori Bank, in one go.
• In urgent situations, information about loans available for same-day deposits is provided.
• Experience a seamless in-app agreement service within the Finda app.
• The Jeonbuk Bank mortgage product is exclusively available for comparison on Finda.
• Utilize various calculators like interest calculators and repayment calculators to make informed comparisons.
• New regulations allow for credit limits based on an annual income cap lifted under certain conditions, which enables credit loans potentially up to two to three times the annual income under DSR guidelines.

Loan Switching

• Facilitate government-supported switching of personal loans, home mortgage loans, and rental loans.
• Customers switching through Finda have averaged a 3.95% reduction in interest rates.
• Some individuals have achieved a drastic reduction of 15.34% in their loan rates.
• The average loan limit increased by 11.7 million won for those who switched via Finda.

Personalized Loan Management

• Manage loans wisely and alleviate concerns about payment delays with tools like interest calculators and repayment reminders.
• By connecting My Data, users can conveniently manage all their existing loans within Finda.
• Receive guidance on which loans to prioritize for repayment when extra funds become available.

Loan Approval Feedback

• The actual loan amounts approved closely match user expectations at 99.9% accuracy.
• The average interest rate for Finda-approved products was reduced from 14.5% to an execution rate of 11.6%.
• Customers who faced rejection elsewhere found more favorable loan terms through Finda.

Latest Financial Insights

• The complexity of financial information is simplified into core essentials on Finda Post.
• Stay updated with news, analyses, and trends related to finance through comprehensive summaries provided by the platform.
• A notification feature ensures users receive timely updates on major financial news.

Safeguarding Personal Information

• Avoid spam calls with Finda’s elimination of unsolicited loan offers through the use of 'safe numbers.'
• Your phone number is communicated securely as a 'safe number' when using Finda's services.
• Finda requests only essential permissions for borrowing services.

[Mandatory Permissions]

• Phone: Necessary for identity verification and device authentication.
• Installed Apps: Used to detect potential threats from applications installed on smartphones to prevent electronic finance transaction accidents.

[Loan Information]

• Loan Limits: Ranging from 1 million won up to a maximum of 250 million won.
• Loan Period: Minimum 12 months to a maximum of 120 months.
• Total Interest Range: Annual minimum of 2.56% to a maximum of 20%, with preferential rates up to an additional 1% available based on eligibility conditions.
• Sample Loan Repayment: For a loan of 1 million won at an annual rate of 6.5% over 12 months, the total repayment amount would be approximately 1,035,557 won with monthly payments of around 86,296 won. Actual amounts may vary based on specific products and repayment methods offered by lenders.

The exclusive preferential rate applies only to select partner financial institutions' products executed through Finda's 'Comparison Loan Service.'

[Optional Permissions]

• Storage: Required for logging in via joint certification authentication.
• Camera: Necessary for taking photos during loan signings or customer inquiries with specific financial services.
• Microphone:, Photo:No requirement for optional permissions; however limited functionalities may occur without authorization during customer interactions. Optional permissions are not compulsory for service usage but may restrict some functions if not allowed.
  *For Android operating systems below version 6.0, all optional access rights may function as mandatory permissions. Upgrade your device’s OS and reinstall the app to reset access permissions.

  Please review financial product descriptions and terms before entering into agreements. Customers have the right under Article 19(1) of the Financial Consumer Protection Act to receive explanations regarding the financial products offered.
  
  *Finda acts as an online broker for various partner financial institutions through commission contracts related to loan and credit card member recruitment (to check partnered institutions: https://finda.co.kr/ifs-notice).

  *Finda is registered as a loan brokerage company under relevant financial laws (broker registration number: 2021-007) and can be verified through the Financial Supervisory Service portal (https://www.fss.or.kr) or loan consultation website (www.loanconsultant.or.kr). Verification is also available through the registration certificate displayed on Finda’s official website.
  
  *Finda does not directly engage in loan contracts; borrowing contracts are formed between customers and partnered financial institutions following credit evaluations.
  The excessive use of loans or credit cards beyond repayment capability may adversely affect personal credit scores leading to difficulties in future transactions. Repayment obligations arise when principal and interest are homed before contractual termination dates if repayments become overdue.
  

  If you need support or have questions regarding our services, please contact Finda's customer center at [1533-6786] or reach out via the app under 'More' > '1:1 Chat' or email [email protected]

  *Finda's approval number is valid until December 29th, 2025 (Approval number: 202412-01-16).