비상금 대출 거절The loan conditions for Kakao Bank’s emergency fund loan are so simple that housewives, college students, and unemployed people can apply for it through the Kakao Bank app and be approved regardless of their occupation or income. However, there are often cases of loan rejection. This article summarizes the reasons for rejection and how to deal with it.
Among these, if you have never borrowed a loan and your credit score is good (between 515 and 1000 points), but you have been rejected, we recommend that you give up on the Kakao Bank emergency loan and use an emergency loan from another financial institution. >> Find out about emergency loans from first-tier financial institutions
The reasons why it is better to use other emergency loans are as follows.
Reasons for rejection of Kakao Bank emergency fund loan
Looking at the reasons for rejection, reasons 2 to 8 are somewhat understandable. In case number 2, the reason is that you cannot receive additional loans because you have already received a loan, such as a student loan, and in the remaining cases 5 to 8, the reason why you cannot receive loans is clear.
So, why is the loan rejected in cases 1, ‘Seoul Guarantee Insurance insurance policy cannot be issued’ and 3, if there is no credit card use history?
1. When it is impossible to issue a Seoul Guarantee Insurance policy
An emergency fund loan is a method of lending money from Kakao Bank instead of providing a guarantee from Seoul Guarantee Insurance. However, if there are conditions that cannot be covered by warranty insurance, it may be rejected.
When it comes to loans, you can lower the loan balance, but if you don’t know your credit information, you need to get a credit card and use it for more than a year to build a credit transaction history. In the end, if you are rejected for reason 1, it is quicker to give up and look for another emergency loan. 1 Find out about financial emergency loans
2. If you have no credit card usage history
Credit card usage history is used as a basis for determining credit. You can check your ability to repay by looking at your transaction history. Your credit card usage history is important as your current credit or check card usage history is used to raise your credit score. Still, the solution is simple. Since it was rejected due to lack of credit information, if you have been issued a credit card and have used the card for at least 6 months, you can be approved for an emergency fund loan from Kakao Bank.
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