토스 비상금대출 신청방법Applications are available 24 hours a day, 365 days a year, but loan execution may be restricted during the hours of 23:30 to 00:30 due to system inspections by affiliated institutions.
Toss Bank Emergency Loan 1
Run the Toss app → Click on Toss Bank → Click on the Borrow tab → Click on Emergency Loan among Toss Bank products → Click on Learn about Emergency Loan
※ You can apply for the Toss emergency fund loan product only if you have a Toss Bank account, and separate eligibility criteria confirmation documents are not required.
There is no early repayment penalty due to early repayment.
Customers who can sign up for Seoul Guarantee Insurance’s personal finance credit insurance without employment or income restrictions must meet the conditions below.
• Koreans over 19 years old
• Customers who do not have credit rating information such as delinquency or bankruptcy information registered
• Customers who have not applied for rehabilitation, bankruptcy, discharge, etc.
• Customers who hold overdue loans or have no history of incurring losses
• Customers with no records of financial fraud or other restrictions on financial transactions
• Customers who do not have an emergency loan with our bank
Loans may not be available or may be limited depending on the bank’s screening criteria, credit evaluation results, etc., and loan conditions such as loan limit and loan interest rate may vary.
The loan limit can be from a minimum of 500,000 won to a maximum of 3 million won, and differential limits are granted according to the Seoul Guarantee Insurance screening standards.
Repayment is a lump sum repayment at maturity, and interest must be paid monthly on the loan amount during the loan period, and must be repaid in full at maturity.
※ During the loan period, you can repay and reuse the loan at any time within the loan limit. If you do not extend the loan, you must repay all loan balances and unpaid interest at the time of repayment at the end of the loan period (maturity date).
※ In case of lump sum repayment method at maturity, the loan contract period is 1 year, and in order to extend the loan period, you must apply for extension through the app before maturity every year.
The loan interest rate ranges from a minimum of 6.16% per annum to a maximum of 15.00% per annum. The actual interest rate may differ as the loan interest rate is the base interest rate = additional interest rate for each customer.
The right to request an interest rate reduction is not available for this product.
If there is an unpaid amount as of the monthly payment date, overdue interest accrues as follows. Loan interest rate + 3% per year. However, the highest delinquent interest rate is 15% per annum, and if the loan interest rate is more than 15% per annum, the loan interest rate + 2% is applied.
Additionally, if you do not repay the amount for more than 1 month while remaining unpaid, overdue interest will accrue on the loan principal after 1 month.
※ If delinquency continues for more than a certain period of time, an obligation may arise to repay all principal and interest before the expiration of the contract period, and depending on the delinquency period, in accordance with the Act on Use and Protection of Credit Information and the General Credit Information Management Regulations. It may be registered as “delinquency information, etc.” and result in disadvantages during financial transactions.
The right to withdraw from a loan contract refers to the right to withdraw from a loan contract during the loan contract consideration period.
You can apply within 14 days (or the next business day if it is a holiday) from the date of loan execution, and you must return the loan principal and interest and costs borne by the bank (costs paid to third parties in connection with the loan contract).
When withdrawing a loan contract, the external credit rating agency and credit information collection agency will be requested to immediately delete the loan information. This will be reflected within 5 business days and cannot be canceled after the loan contract withdrawal is completed.
When a loan is issued, your credit score may drop depending on your debt level and credit status.
If the loan amount is excessive compared to your ability to repay, your personal credit score may fall, and if your personal credit score falls, you may be disadvantaged in financial transactions.
You can apply for a Toss Bank emergency loan by clicking the shortcut button below.
Apply for Toss Bank emergency loan
※ When applying for a loan, your credit information inquiry history is provided to the credit information company, and depending on the individual’s credit status, it may affect the loan review of other financial institutions.
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