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The Haetsal Loan Card is a policy-based credit card, a product for the underprivileged provided to low-income and low-credit individuals. It is a system that provides financial options to low-credit individuals who are excluded from benefits such as installment payments and points due to difficulties in issuing credit cards, and encourages healthy consumption habits. If you are having difficulty issuing credit cards due to low credit, please check out the Haetsal Loan Card. The Haetsal Loan Card is a card that supports low-credit individuals to have a better financial life by providing various benefits such as payment convenience and installment payments. Qualifications, application methods, and applicable cards are issued with a limit granted by the Korea Small Business Finance Agency. Please check through consultation. The Sunshine Loan Card is a policy credit card for low-credit borrowers in the country, and it provides payment convenience and various installment benefits to help them live a better financial life. The Sunshine Loan Card is a policy credit card that was launched by the Korea Inclusive Finance Agency to allow low-income and low-credit borrowers, who are vulnerable groups, to enjoy credit card benefits such as payment convenience and installment. It is a system that increases financial choices for low-credit borrowers and encourages sound consumption, and the Korea Inclusive Finance Agency provides a certain amount of credit every month to support card issuance. You can apply for the Sunshine Loan Card online and offline. You can apply online through the Korea Inclusive Finance Agency app, and you can also apply offline by visiting the Korea Inclusive Finance Integrated Support Center. To visit the Korea Inclusive Finance Integrated Support Center, you must make a reservation in advance through the 1397 call center. Go to the Korea Inclusive Finance Agency (Sunshine Loan Card Application) After applying for a guarantee through the Korea Inclusive Finance Agency app, you can complete the required education on the Sunshine Loan Card on the Financial Education Portal, and then the guarantee agreement will be concluded. You must complete at least 3 mandatory courses of ‘Haetsal Loan Card User Education’ on the Financial Education Portal of the Korea Small Business Finance Promotion Agency. (Completion is automatically checked on the computer, so if you have not completed it, you cannot enter into a guarantee agreement.) You can apply at 7 credit card companies (Lotte, Woori, Hyundai, Kookmin, Samsung, Shinhan, Hana Card). Go to Lotte Card Haetsal Loan Go to Woori Card Haetsal Loan Go to Hyundai Card Haetsal Loan Go to Kookmin Card Haetsal Loan Go to Samsung Card Haetsal Loan Go to Shinhan Card Haetsal Loan Go to Hana Card Haetsal Loan
– Your credit score must be in the bottom 10% or lower, and by KCB standards, it must be around 650 points or lower, and by NICE standards, it must be around 720 points or lower. The criteria can be confirmed based on the date of application for the guarantee, so please be sure to check the credit score criteria at the time of application. — Annual disposable income must be 6 million won or higher. (Disposable income refers to income that can be used for consumption and savings, excluding taxes and health insurance premiums) — If the two conditions above are met, you must complete the Sunshine Loan Card mandatory training (complete credit management training on the Small and Medium Business Administration Education Portal) to apply, so please check the training course.
The Sunshine Loan Card is a product guaranteed by the Small and Medium Business Administration to expand the financial product options for the underprivileged who have difficulty receiving credit card benefits and to enable them to lead a healthy consumer lifestyle, and is a product that supports new credit card use. The guarantee limit is up to 2 million won, the guarantee period is up to 5 years, and the installment period is limited to up to 6 months.
– Receiving card loans, using cash services, or paying in revolving installments with the Sunshine Loan Card are restricted — Postponing or paying in installments is also not permitted. — Use is restricted in entertainment businesses (pubs, nightclubs, etc.), gambling businesses (casinos, racecourses, lottery shops, etc.), golf courses, firearm sales, adult product sales, and some unauthorized payments. — Issuance is limited to 1 card (company) per person: Only 1 Sunshine Loan Card can be issued per person. — Sunshine Loan Card is operated for domestic use only, so overseas payments are not possible, and family cards or postpaid Hi-pass credit cards cannot be issued.
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