우리카드 올인원대출Credit Loan
Refinancing Loan
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The average interest rate changes depending on your credit score
Average interest rate
13.67%
Maximum limit
50 million won
72nd
Loan interest rate
4.7%~19.9% per annum
Loan limit
3 million won~50 million won
Loan period
3~60 months (However, loans exceeding 36 months are only provided to customers who are eligible according to our internal standards), monthly
Interest rate type
Fixed
Loan repayment method
Lump-sum repayment on maturity, equal installment repayment of principal and interest after grace period, equal installment repayment of principal after grace period, equal installment repayment of principal and interest, equal installment repayment of principal – Lump-sum repayment method on maturity is applied differently depending on the customer’s credit rating – Up to 6 months of grace period (However, use exceeding 3 months is only provided to customers who are eligible according to our internal standards)
Application method
Woori Card homepage/mobile
Overdue interest rate
★Overdue interest rate: Normal interest rate + up to 3% per annum (Legal maximum interest rate within 20% per annum)
Interest imposition period
Repay the loan principal and interest on the designated payment date
Prepayment fee
None
Application conditions
– Individuals/domestic nationals aged 25 or older – Customers without Woori Credit Card can also apply for a loan
Required documents
ID
Notes
– Direct financial product seller: Woori Card Co., Ltd.
– You have the right to receive a sufficient explanation in advance from Woori Card, a direct financial product seller, regarding the relevant product, and please understand the explanation before making a transaction.
– Please check the product description and terms and conditions before using the financial product.
– Interest rates are applied differently depending on the customer’s personal credit rating, etc. – Loans may be restricted if loan handling is inappropriate (e.g. low personal credit score). – Financial consumers have the right to receive an explanation about the relevant product or service in accordance with Article 19, Paragraph 1 of the Financial Consumer Protection Act, and should listen to the explanation and fully understand the contents before making a transaction. – If a reason such as a decrease in personal credit score or delinquency occurs after the initial loan screening, the loan interest rate may be increased or contract extension may be denied. – If the repayment method is (after grace period) equal principal and interest repayment or (after grace period) equal principal repayment, maturity extension is not possible. – If there is no balance by 16:00 on the payment date, a delinquency may occur, so be sure to check the billing amount and balance on the payment date. – Separate deposits through virtual accounts are possible until 22:00 on weekdays. In case of overdue payment, please note that the other bank will re-request automatic transfer withdrawal after 2 business days. – Transaction restriction time: 23:40 ~ 00:30 every day (02:00 ~ 06:00 every second Sunday of the month) – Banksalad Co., Ltd. acts as an agent and broker for Woori Card Co., Ltd.’s credit loan recruitment business. – Banksalad Co., Ltd. acts as an agent or broker for multiple credit card companies. – Banksalad Co., Ltd. does not have the authority to conclude contracts for Woori Card Co., Ltd.’s financial products. (Accordingly, financial product contracts are concluded directly with the relevant financial company.) – Banksalad Co., Ltd. is a financial product sales agent and broker registered in accordance with the Financial Services and Capital Markets Act. – Banksalad Co., Ltd. is a financial product sales agent and broker that has entered into a consignment contract with Woori Card Co., Ltd. in accordance with the Financial Services Act. – If your credit status has improved due to job changes, promotions, increased income, or increased personal credit score compared to the time of the loan agreement, you may request a reduction in interest rates. – You may withdraw the contract by expressing your intention to withdraw in writing, by phone, or via computer communication within 14 days of the loan agreement and repaying the principal and interest.
★ If the loan amount is excessive compared to your repayment ability, your personal credit score may decrease.
★ If your personal credit score decreases, you may experience disadvantages related to financial transactions.
★ If you are delinquent on your loan for a certain period of time, you may be obligated to repay all principal and interest.
