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Home » Find out about Woori Bank emergency loan conditions and application method
Among financial products, there is a small product called an emergency loan. Woori Bank also offers this product, and it is a product that uses communication information rather than credit ratings.
The type is a credit loan, no separate documents are required when applying, and it can be done easily and conveniently through the app.
Below, we will take a closer look at the conditions and details of Woori Bank’s emergency loan.
This product provides loans using telecommunication ratings regardless of employment or income.
Telecommunication rating is a rating of an individual’s credit based on information held by the telecommunication company, and those who use the three telecommunication companies SKT, KT, and LG U+ are eligible for Woori Bank’s emergency loan.
However, please note that it may be difficult to get a loan depending on your delinquency history or credit rating.
Loan limit
Up to 3 million won
loan period
Within 12 months
loan interest rate
Minimum 7.20% per annum
The limit is up to 3 million won, the loan period is within 12 months, and it is in the form of a minus account.
A negative account is a method of freely borrowing and repaying an amount within a set limit, and repaying the entire amount at maturity.
The interest rate is applied by subtracting the preferential interest rate from the base interest rate, with a minimum annual rate of 7.20%.
The applicable interest rate may change depending on credit and loan conditions, etc. Interest is paid monthly on the settlement date determined by Woori Bank, and is automatically withdrawn from the customer’s account.
Woori Bank emergency loan is a smartphone subscription product, so you can use the Wibee Bank app.
You do not need to submit any documents, but you will need a mobile phone in your name because mobile phone verification will be performed during the process.
Please note that the limit and loan availability are determined according to Woori Bank’s screening standards and the applicant’s credit rating. Loans are not available to budget phone users.
Extension of the deadline is possible through application at a branch or through the Wibee Bank app when the maturity date approaches, but only if the requirements set by Woori Bank are met.
Please keep in mind that if circumstances such as expired maturity or late payment of interest occur, overdue interest will be charged, and the overdue interest rate can be up to 12%.
This is a product that allows you to apply for an interest rate reduction, and whether or not to lower the interest rate will be decided after review, and may be rejected.
inquiry
Woori Bank Customer Service Center
1599-5000, 1588-5000
Wibee Bank dedicated consultation center
1644-5000
Woori Bank website
www.wooribank.com
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