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The Credit Recovery Committee’s non-face-to-face small loan is a service for users who have difficulty receiving loans from banks due to low credit ratings. Users can apply for emergency living stabilization funds of 3 million won or less online without visiting a branch.
Those who have received debt adjustment from the Credit Recovery Committee and have repaid faithfully without any missed payments for more than 6 months or who have completed repayment within the past 3 years are eligible for support.
Those who cannot receive a loan include:
1. Those who lack the income or capacity to repay the loan
2. Those whose delinquency information is registered on the credit information inquiry table
3. Those who have excessive assets
4. Those who have excessive new debt after debt restructuring
5. Those who have incurred new debt within the last 6 months
6. Those who have received personal rehabilitation approval through the court (apply for on-site counseling at branch office)
In addition, if there are additional ineligibility conditions, the loan may be restricted.
Loan limit and conditions
Loan type: Life stabilization fund
Loan limit: Up to 5 million won
Repayment method: equal division of principal and interest
Loan interest rate: within 4.0% per year
Up to 3 years
※ The maximum amount that can be applied for at one time is 3 million won, and it may vary for each individual depending on the credit recovery committee small loan amount being repaid and the debt adjustment repayment period.
※ To apply for a non-face-to-face small loan, a joint certificate (old public certificate) must be issued. This is confirmed through scraping technology without the submission of separate documents, so government 24 membership registration is required. Please register as a member in advance and then apply. If you have any additional questions, please contact the Credit Recovery Committee Call Center (☏1600-5500).
There is a loan for faithful repayers where the Credit Recovery Committee lends emergency living funds to those who are faithfully following a repayment plan. This loan is a system that supports those who are faithfully repaying through personal debt adjustment or court personal rehabilitation, and provides emergency living funds to those who faithfully implement a repayment plan.
Those who have received debt adjustment or personal rehabilitation from the Credit Recovery Committee or the court and have been repaying faithfully for more than 6 months or have completed repayment within the past 3 years are eligible for loan support. In addition, it also applies to those who have been separately designated by the financial support fund contributor according to the purpose of the contribution.
However, if the income or repayment capacity to repay the loan is insufficient, if delinquent information is registered on the credit information inquiry table, if the assets held are excessive, or if new debts incurred after debt adjustment (personal rehabilitation) are excessive, the last 6 months If new debt is incurred within the period, lending may be restricted.
Additionally, please note that lending may be restricted if there are other nonconformities in addition to the above.
The following is information about various uses of support, including emergency living stabilization funds.
The livelihood stability fund is a fund to prepare for emergency situations caused by accidents, diseases, disasters, etc., and provides support for medical expenses, disaster recovery expenses, marriage funds, and rental deposits. Additionally, through student aid, you can help pay for college for yourself or your family and refinance high-interest loans at a lower interest rate. Facility improvement funds allow small business owners to improve their workplaces.
Loan limits and terms are set for various purposes. Loans of up to KRW 15 million are available for livelihood stabilization funds, high interest rates, refinancing funds, facility improvement funds, operating funds, etc., and the principal and interest must be repaid in equal installments within a maximum of 5 years. In this case, a loan interest rate of less than 4.0% per annum is applied. On the other hand, student loans
Loan interest rates vary depending on the purpose of use of the funds and the repayment period.
Financially vulnerable groups will be subject to 70% of the basic interest rate.
Additionally, those who complete online training from the Credit Education Institute will receive a preferential interest rate of 0.1%.
The loan amount is applied differently depending on whether the repayment plan is implemented within the maximum limit, the amount of funds required, and the ability to repay the loan.
In addition, separate limits apply to individual rehabilitation faithful repayers and those eligible for New Hope Healing. Those who faithfully repay personal rehabilitation can receive up to 7 million won, and those eligible for New Hope Healing can receive up to 5 million won.
There are various ways to consult and apply. First, you can visit the National Microfinance Integration Support Center (Credit Recovery Committee) and receive counseling. Additionally, you can apply for internet counseling using the Cyber Counseling Department website (cyber.ccrs.or.kr). You can also easily consult and apply through the Credit Recovery Committee’s application (APP).
Documents required for consultation include ID card
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