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Home » Find out how to apply for K-Bank emergency loan and the eligibility conditions
K Bank Emergency Fund Loan is an ‘emergency fund minus account’, so when you need a small amount of money, you can immediately take it out and use it within the given limit.
The maximum limit is 3 million won, and this is a product that can be applied for via mobile and processed quickly within 1 minute without submitting documents.
The repayment method is a lump sum repayment at maturity, and the early repayment penalty is exempted, so you can freely repay the principal at any time.
K-Bank Emergency Fund Minus Account is eligible for Korean citizens over the age of 19, but unemployed people can also apply if they meet K-Bank’s screening criteria and can issue a Seoul Guarantee Insurance policy.
Please note that there are cases in which a loan may not be available, such as when there is a history of delinquency, etc., when rehabilitation or bankruptcy has been applied for or confirmed, or when losses have been incurred by K Bank.
Loan target
Koreans over 19 years old
Qualification conditions
– Seoul Guarantee Insurance insurance policy can be issued – Meets K-Bank screening standards
The maximum limit for this product is 3 million won and the minimum is 500,000 won, and the limit granted is differentially applied to each individual depending on the loan screening results.
The loan interest rate is set at 2.97% to 7.83% per annum, and an additional interest rate and preferential interest rate are added or subtracted from the base interest rate, which changes every 12 months.
For reference, if you spend 3 million won with the lowest interest rate applied, the daily interest is about 250 won.
Loan limit
Up to 3 million won
loan interest rate
As low as 2.97% p.a.
loan period
1 year (extendable)
To apply for a K-Bank emergency loan, you must register as a K-Bank member and can do so through the app or web.
There is no cumbersome document submission process, you can apply through a simple authentication process, and the time required is as short as 1 minute.
Please refer to the application method below, and if you want to use a small loan, it is recommended to compare it with other products and choose the one with the interest rate and limit that is advantageous to you.
Once the monthly limit is exhausted, this product will end early even if there are a few days remaining, and sales will resume from the following month.
To extend the loan period, you must apply before maturity and can use the mobile app or internet website.
However, when applying for an extension, information about your workplace and annual income may be required, and in this case, you can submit it through a certificate.
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