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Kakao Bank has launched a used car purchase loan product with a minimum interest rate of 5.50% per annum and a maximum of 40 million won. Since it is a first-tier financial institution, it has a low interest rate, does not affect credit ratings, and even has the advantage of being exempt from early repayment cancellation fees.
Let’s select a random product through the used car homepage, check the loan availability, and write a review.
Kakao Bank Used Car Purchase Loan Minimum Interest Rate 5.5% per annum, Maximum 40 million won
You can check the details in the Used Car Purchase Loan on the Kakao Bank app.
৹ Detailed explanation
※ Loan application available time: 06:00~23:30
※ Document review available time: Weekdays 09:00~20:00, Weekends 09:00~18:00, Public holidays unavailable
৹ Loan unavailable
• If the vehicle registration date is over 15 years based on the first registration date on the vehicle registration certificate
• If the vehicle is not directly owned by the used car dealer for sale (commercial use)
• If the vehicle is a direct transaction vehicle between individuals or the owner is unclear
• If the dealer owning the vehicle is not a normal business (loan deposit is not possible)
• If it is a joint owner, a subcontractor with less than 50% of the vehicle ownership share
To proceed with the application, select a random vehicle you like on the used car website and enter the corresponding vehicle number. Please refer to the red square box in the captured screen below and proceed. Please make sure to check the cautions that are also shaded in red.
Process: Select a vehicle (used car dealer) ➡️ Sign a preliminary contract (sales contract required) ➡️ Check loan availability and limit ➡️ Check loan conditions ➡️ Send loan amount
※ Please familiarize yourself with the number of the vehicle you are purchasing before proceeding.
※ The application below will check the vehicle and your loan availability, so a credit inquiry will be made.
If you go to the Advice Vehicle Purchase Loan menu in the Kakao Bank app, you will agree to the personal credit information inquiry.
Go to the Kakao Bank Used Car Purchase Loan menu and agree to the credit information inquiry terms and conditions
Once you have completed your identity verification through your mobile phone, you can enter the vehicle you wish to purchase. Please note that a credit inquiry will be conducted after you enter the information and press the Next button.
Credit inquiry after mobile phone identity verification and vehicle number input
I thought there would be a next step when I pressed Next, but I pressed Cancel when I saw that the credit inquiry was being conducted right away.
I checked with the customer center, and it is a step where you can set the limit, loan interest rate, repayment method, loan period, interest rate fluctuation cycle, and required amount (within the limit) and send the loan directly to the company.
It was so simple that I didn’t know it would be completed so quickly, so I carelessly pressed proceed and then canceled. Of course, they say that credit inquiries don’t affect your credit score, but I didn’t proceed because I felt uneasy.
Since I had already recently purchased a vehicle, there were some parts that were not applicable, but if I had been planning to purchase a vehicle, I thought I would have compared it with my previous loan history and proceeded, so I was disappointed. How good would it have been if it had been released a little earlier?
As the progress I introduced, you can see the results so simply, easily, and quickly, so if you are planning to purchase a vehicle, there is no reason not to do it, and there is no early repayment penalty, so I think it is really beneficial.
If you have already purchased a vehicle and are using a secondary financial institution, you can check the products below. K-Bank Auto Loan Switch, Minimum Annual Interest Rate 4.77%
K-Bank Auto Loan Switch K-Bank is a first-tier financial institution, so if you have existing second-tier financial institution loans, using this product can have a positive effect on your credit and lower your loan interest rate.
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