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The Sunshine Loan Card is a policy-based credit card, and is a product for the underprivileged and low-income people with low credit. It is a system to provide financial options to people with low credit who are excluded from benefits such as installments and points due to difficulties in issuing credit cards, and to encourage healthy spending habits. If you are having difficulty obtaining a credit card due to low credit, please check out the Sunshine Loan Card. The Sunshine Loan Card is a card that helps people with low credit live a better financial life by providing various benefits such as payment convenience and installments. Eligibility and application method: Cards that can be applied for are issued within the limits granted by the Korea Inclusive Finance Agency. Please confirm through consultation.
The Sunshine Loan Card is a policy-based credit card for people with low credit in the country, and is intended to support a better financial life by providing payment convenience and various installment benefits. The Sunshine Loan Card is guaranteed by the Korea Inclusive Finance Agency to protect the vulnerable working class. This is a policy-based credit card launched so that low-income and low-credit people can enjoy credit card benefits such as payment convenience and installments. This is a system that expands financial options and encourages healthy consumption for those with low credit, and the Korea Inclusive Finance Agency supports card issuance by providing a certain amount of credit every month.
You can apply for the Sunshine Loan Card online and offline. You can apply online through the Korea Inclusive Finance Agency app, or offline by visiting the Microfinance Integration Support Center. To visit the Microfinance Integration Support Center, please 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, a guarantee agreement is concluded after completing the required Sunshine Loan Card training on the Financial Education Portal. You must take at least 3 required ‘Sunshine Loan Card User Training’ courses at the Financial Education Portal of the Korea Inclusive Finance Agency. (Completion is automatically checked electronically, so if you have not completed it, you cannot enter into a guarantee contract.) You can apply from 7 credit card companies (Lotte, Woori, Hyundai, Kookmin, Samsung, Shinhan, Hana Card). Lotte Card Sunshine Loan Go to Woori Card Sunshine Loan Go to Hyundai Card Sunshine Loan Go to Kookmin Card Sunshine Loan Go to Samsung Card Sunshine Loan Go to Shinhan Card Sunshine Loan Go to Hana Card Sunshine Loan
– Your credit rating must be in the bottom 10%, with KCB’s score below 650 and NICE’s score below 720. The criteria can be confirmed as of the date of application for guarantee, so please be sure to check the credit score criteria at the time of application. — Annual disposable income must be more than 6 million won. (Disposable income refers to income that can be used for consumption and savings, excluding taxes and medical insurance premiums, etc.) — If the above two conditions are met, complete the required Sunshine Loan Card training (Korea Inclusive Finance Agency education portal) You must complete credit management training at to apply, so please check the training course.
The Sunshine Loan Card is a product guaranteed by the Korea Inclusive Finance Agency that expands the financial product choices of underprivileged people who are marginalized due to difficulties in receiving credit card benefits and supports new use of credit cards so that they can lead healthy consumption lives. The warranty limit is up to 2 million won, the warranty period is up to 5 years, and the installment period is limited to a maximum of 6 months.
– Obtaining a credit card loan, using a cash advance, or paying by revolving (installments) with the Sunshine Loan Card is restricted — postponing or splitting the payment is not permitted. — Use is restricted in the entertainment industry (dark bars, nightclubs, etc.), gambling industries (casinos, racetracks, lottery rooms, etc.), golf courses, gun sales, adult product sales, and some unauthorized payments. — Limited to one card (company) per person: Only one Sunshine Loan card can be issued per person. — The 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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