토스 비상금대출 신청방법We will introduce you to the ‘Toss Emergency Fund Loan’, which allows you to borrow 3 million won on the same day, non-face-to-face, as long as you have a cell phone.
Below are reviews of Toss Emergency Loan for the unemployed, so please check it out until the end.
▼ Complete summary of emergency fund loans ▼
Toss Emergency Loan is an emergency loan product that provides small loans of up to 3 million won to Koreans aged 19 or older.
Anyone can be approved for a loan of up to 3 million won, regardless of whether they are a college student with no job or income, a beginner in society, or the unemployed.
If you need a small sum of money in a hurry, check out the Toss emergency loan that can be transferred on the same day.
▼ Toss Emergency Loan ▼
Anyone can be approved for a Toss emergency loan if they meet just two conditions.
First, you must be a Korean citizen over the age of 19.
College students, newbies, and unemployed people without job income can also use it.
Second, you must be a customer who can issue a Seoul Guarantee Insurance policy.
The fact that a Seoul Guarantee Insurance policy can be issued means that there are no credit problems such as delinquency or bankruptcy.
If you can issue an insurance policy even if you do not have income from a job, Seoul Guarantee Insurance guarantees it, so you can get approved for a loan without any problems.
You can apply for a loan limit of 500,000 won, from a minimum of 300,000 won to a maximum of 3 million won.
The loan limit is differentially applied considering the person’s ability to repay the loan.
The loan interest rate ranges from a minimum of 6.43% per annum to a maximum of 15.0% per annum.
If you look at reviews from customers who are actually using the product, the average loan interest rate is around 10%.
Loan limits and interest rates are applied differently depending on your credit score and proof of income.
If you are curious about your exact loan limit and interest rate, check it directly at the link below.
▼ What is my loan limit? ▼
Toss emergency loan repayment method is a lump sum repayment method at maturity.
This is a method where you pay only the loan interest during the loan period and deposit the principal all at once when the loan matures.
This product is exempt from early repayment fees, so there is no problem with early repayment.
So how much loan interest do I actually have to pay?
Let’s calculate the loan interest by looking at the reviews of customers who have actually used the Toss Emergency Loan.
Toss Emergency Loan Customer Reviews
You can quickly apply for the Toss Emergency Loan non-face-to-face through the Toss Bank mobile app.
Same-day remittance is possible from loan application to loan remittance in just one day.
When I applied directly, it only took about 3 minutes.
If you have a Toss account, you can do it even faster.
Please follow the steps below to apply for a loan.
Duration: 3 minutes
Summary of the Loan Application Process
If you have an ID card and the Toss Bank mobile app, the required documents will be automatically submitted through identity verification.
I think that the Toss Emergency Loan is the first product you should look into if you are using a Toss account.
I thought it was very convenient as I could easily transfer money on the same day non-face-to-face through my mobile phone.
Additionally, even if you have an emergency loan from another bank, additional loan approval is possible.
In fact, there is a review of an acquaintance who was approved for a Toss emergency fund loan even though he had one Kakao Bank emergency loan.
Unemployed review conditions
▼ What is my credit score? ▼
I thought this product was easy to use for a short period of time when I urgently need a small loan.
1. Non-face-to-face simple loan same-day remittance
As long as you have a Toss Bank account, you can proceed directly from applying for a loan to transferring money, making it very easy. The loan amount is transferred directly to your account.
2. Exemption from early repayment fee
Although the loan interest rate is somewhat high, in the mid-10% range, there is no early repayment fee, so the loan interest can be lowered by paying off the loan principal little by little.
3. Loan approval is possible even if there are expected loans.
This part may vary depending on the individual’s expected loan situation, but there was no major problem in whether or not an emergency fund loan would be approved even if one had only one credit loan. Of course, the loan limit may vary depending on the individual’s credit score and expected loan situation.
If your Toss emergency fund loan has been rejected, it is one of the following cases.
If you meet any of the above qualifications, you may be rejected for a loan.
If you have been rejected for a loan, you can use a credit rating of 10, and you should look into loan products that can be used even if your expected loan amount is excessive.
If you have been rejected for a Toss emergency fund loan, be sure to check below to see if there is a loan product that is suitable for you.
▼ Credit rating level 10 OK ▼
▼ Unemployed OK ▼
▼ Even those with excessive expectations are OK ▼
Today, I took the time to summarize the Toss Bank emergency loan.
If you mainly use Toss Banking, be sure to check out the Toss Emergency Loan introduced today.
