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Home » Finq emergency loan conditions and application method
Finq is a mobile financial service jointly created by Hana Financial Group and SK Telecom that handles various financial products.
Among them, Finq Emergency Fund Loan is a mobile loan launched by Finq and DGB Daegu Bank, and you can easily borrow up to 3 million won through the Finq app.
The lowest interest rate is 5.94%, and there is no early repayment fee, so you can repay without burden if you have funds.
Regardless of occupation or income, even if you are unemployed, you can apply for a loan if you are over 20 years old, have a credit rating of 459 or higher based on NICE, and pass the DGB Daegu Bank loan screening.
The loan amount available is from a minimum of 500,000 won to a maximum of 3 million won, the loan interest rate is a minimum of 5.94% per year and a maximum of 12.44% per year, and the loan period is from 1 year to a maximum of 5 years.
Finq emergency fund loan is available 24 hours a day, 365 days a year, and a DGB Daegu Bank deposit/withdrawal account is required when applying for a loan.
Finck Emergency Loan
Regardless of occupation or income, it is only available to customers who are 20 years of age or older, have a personal credit score of 459 points or higher based on NICE, and have passed the DGB Daegu Bank loan screening (automatic screening).
The initial loan period is 1 year, but can be automatically extended up to 5 years. However, it must meet the bank’s own screening standards, so it is best to check in advance before maturity.
The limit can range from a minimum of 500,000 won to a maximum of 3 million won, and the limit varies depending on which method you choose between lump sum repayment at maturity and a negative account.
If you choose lump sum repayment at maturity, you can apply for a loan within a minimum of 500,000 won to a maximum of 3 million won, and if you choose a negative account, you can apply for a loan up to a maximum of 1 million won.
Loans are available at a minimum annual interest rate of 5.94% to a maximum annual interest rate of 12.44%, and interest rates are applied differently depending on credit rating, occupation, and income.
The early repayment fee is 0 won, but if there is a change in your credit rating when you reapply after repayment, it may be difficult to renew your contract.
Fink Emergency Loan is a non-face-to-face loan applied for through the mobile app ‘Fink’, so application documents are not required.
All you need is your ID card and DGB Daegu Bank deposit/withdrawal account number to verify your identity. If you do not have a DGB Daegu Bank account, you can open an account after applying for a loan screening.
Learn more
How to apply for an emergency fund loan from Eugene Savings Bank How to apply non-face-to-face for an emergency fund loan from Woori Bank
