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We have summarized reviews of Kakao Bank emergency fund loans for college students. We have outlined in detail the disadvantages, reasons for rejection, repayment methods, etc., so if there are college students who want to use Kakao Bank’s emergency loan, please be sure to refer to the reviews compiled today.
I will explain based on the case of an ordinary college student who is not receiving salary. You can think of your credit rating as being at the average level for college students and those just starting out in society. Even in this case, if you use Kakao Bank’s emergency loan, you can get a loan in just 1 minute.
For reference, Kakao Bank emergency loan has a limit of up to 3 million won and can be used as a negative account. Additionally, it has the advantage of being able to apply for a non-face-to-face loan as it can be applied via mobile.
To apply for a loan, please install the Kakao Bank app first. After running the app, select the loan tab, find an emergency loan, and select the apply button.
Since the average application time is very short, about 60 seconds, it can be considered a suitable product for those looking for a quick and easy loan.
Because the Kakao Bank emergency fund loan is a negative account loan, no money is deposited separately. You can transfer up to -3 million won by bank transfer when your account balance is 0 won. Of course, withdrawals can also be made with a check card.
Now let me explain about interest rates. Kakao Bank emergency loan has a variable interest rate. Because the base interest rate change cycle is one year, the interest rate of Car Bank emergency fund loans with a maturity of one year will not change until extended. In other words, when you first take out a loan, the interest rate is for one year, and when you extend it after one year, the interest rate changes according to the period.
This time, we will look at loan interest. Let’s assume you received a loan of 3 million won at an interest rate of 8% per annum. Then the daily interest is 8 / 365 = 0.021%.
The final interest to be paid can be thought of as the daily interest rate (0.021%) for the number of days until repayment of the loan amount (the amount subtracted from the minus account, not the limit).
Let me give you an example to help you understand. Let’s assume you received an emergency loan from Kakao Bank and spent 1 million won over 8 days. Then, you can calculate it as follows.
1,000,000 8 0.021%(0.021/100) = 1680
In other words, if you spend 1 million won in 8 days, interest of 1,680 won accrues.
The disadvantage of Kakao Bank emergency loan is that the loan limit is low. Since it is a small loan, the biggest disadvantage is that the limit is only up to 3 million won.
Another disadvantage is that you must be able to issue a Seoul Guarantee Insurance insurance policy to use it.
In addition to this, there are some disadvantages. This is explained in detail in the post below, so please refer to it.
Disadvantages of Kakao Emergency Loan (Be sure to read before using Kakao Bank)
minor
Those who cannot issue Seoul Guarantee Insurance insurance policy
Those registered in credit rating information
Those who have applied for rehabilitation, bankruptcy, discharge, etc.
Those with a record of financial fraud
Those who have overdue loans with Kakao Bank or have a history of financial loss
There are various reasons for rejection as mentioned above. In addition to these, there are several other reasons for rejection, so please refer to the posting below.
Summary of Kakao Bank emergency fund loan rejection reasons and countermeasures (A to Z)
Let’s learn about how to repay Kakao Bank emergency loan. This product can be used as a lump sum repayment method at maturity. But you don’t have to wait until the expiration date. If you have spent the money you need and are now in a situation where you can repay it, you can fill the account with the limit.
For example, I subtracted 1 million won and spent it. However, if you have enough money now and want to repay the loan, you can replenish 1 million won into the account you used to withdraw. For reference, you can also deposit the interest in advance.
And if you no longer need the Minus Account, repaying all the money and canceling it will help you manage your account.
Good article to read together
Is it possible to use multiple (multiple) emergency loans? (Toss, Kakao Bank emergency loan, etc.)
Kakao Bank Emergency Loan Review Summary of articles posted on DC
Mobile emergency loan recommendation and comparative analysis – even unemployed people can use it 24 hours a day
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