소액생계비대출 추가대출If more than 6 months have passed since the date of execution of the Small Living Expenses Loan, you can apply for an additional Small Living Expenses Loan. To apply, you must visit the Korea Inclusive Finance Agency app or call 1397 without an area code to make a reservation.
Among regular users who have made at least 6 payments and who have made more than 6 months from the basic loan execution date, all of the requirements below must be met.
① Basic loan must not be delinquent
② The cumulative number of overdue days must be less than 60 days.
③ If you are eligible to apply for debt adjustment counseling, there must be counseling history (face-to-face/telephone counseling).
※ Those registered in public information are subject to loan restrictions the same as basic loans.
① Loan limit: Total limit of 1 million won – basic loan amount
※ If you have received a basic loan of 1 million won, additional loans are not possible.
Example) For a basic loan of 600,000 won, you can apply for a maximum of 400,000 won.
② Loan interest rate: 12.9% per year (12.4% when completing financial education)
※ 3% point reduction for faithful repayment over 6 months (final 9.9%, 9.4% upon completion of financial education)
※ Interest rate reduction benefit applied when completing 1 out of 3 subjects (0.5%p)1. (Credit Management) The foundation of financial life, the need for ‘credit management’ (5 minutes)2. (Debt Management) Debt management starting anew (8 minutes)3. (Prevention of illegal private financing) If you use illegal private financing without knowing, you will be in big trouble. (5 minutes)※ How to apply: Access the financial education portal and sign up as a member → Online education → Loan user education → Small living expenses loan
③ Repayment method: 1 year, lump sum repayment at maturity (same as basic loan)
To apply for an additional loan for small living expenses, you must apply directly through the Korea Inclusive Finance Agency app, or call 1397 without an area code to check eligibility requirements, make a reservation, and visit.
① Korea Inclusive Finance Agency app
Korea Inclusive Finance Agency app → Log in → Small living expenses loan → Apply for additional loan → Enter loan application information → Electronic contract → Application complete ※ When applying for the app, a mobile phone in your name and a joint certificate are required.
※ Application available time: 09:00 ~ 17:00 on business days
② 1397 Microfinance Integrated Call Center (when app is not available)
1397 without area code → Check eligibility requirements for additional loan → Select visit center/date and time → Visit center after reservation
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