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There is also a way to receive a cash advance from a credit card company when you need cash urgently, but in the case of a cash advance, your credit score can drop significantly and the interest rate is very high. In this case, it is a good choice to get an emergency fund loan from a financial institution such as Kakao Bank.
Let’s take a closer look at the conditions, limit, interest, repayment method, extension, etc. of Kakao Bank’s emergency fund loan.
loan limit
There is a difference for each individual’s credit rating, and it is possible to run a loan from a minimum of 500,000 won to a maximum of 3 million won.
loan interest
4.73% per year up to 15% as of March 14, 2023
The interlocking interest rate is changed every year, so the interest rate is fixed during the loan period, and if it is extended after maturity, a new interest rate is applied according to the fluctuation cycle.
type of loan
An emergency fund loan is a type of negative account.
Minus Bankbook: This is a loan that allows you to set a limit on your deposit and withdrawal account and spend only as much as you need. Therefore, interest is not charged on the entire amount of the limit, but only the amount of interest that is used within the limit is withdrawn.
loan period
The loan period is 1 year, and you must apply for an extension before maturity (extension by 1 year)
Repayment method
24 hours a day, 365 days a year (excluding 23:30 ~ 00:30) loans available through the Kakao Bank application
1. Install the Kakao Bank app
2. Click More (···) at the bottom right
3. When you get down to the bottom, click ‘Emergency Loan’ in ‘Loan Application’
Go to Kakao Bank ▶
There is no application for rehabilitation, bankruptcy, immunity, etc., and extension may be refused if circumstances such as overdue or bankruptcy occur.
In particular, if arrears occur during the loan period, there is a high probability of extension refusal, so please be careful.
In case of refusal of an extension, you must repay all outstanding loan balances and outstanding interest at the end of the loan term.
Q. How to pay off an emergency fund loan?
Q. Are college students eligible for emergency fund loans?
Q. Credit rating downgrade
Toss Bank Emergency Loan
If you have installed the Toss app, you can easily get a loan for emergency money loans from Toss Bank.
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