토스 비상금대출 신청방법We have summarized how to check and apply for Toss Bank emergency loan limit. Also, there are many people who receive multiple emergency loans, so let’s take a quick look at the most important ‘guarantor institution (collateral).’ We compare emergency loans below. please note.
The advantage is that the interest rate is very low and the loan period is as long as 10 years. Because it is a first-tier financial bank, there is no need to worry about your credit rating dropping, and above all, it is very useful because you do not need any documents or proof of income when applying. (Available for housewives, unemployed, and non-income earners)
However, the downside is that the guarantee agency is Seoul Guarantee Insurance. The reason is that if you receive an emergency loan using Seoul Guarantee Insurance as collateral, you will not be able to receive duplicate emergency loans with Seoul Guarantee Insurance other than Toss as the guarantor. There are many reviews saying that you can usually borrow up to 4 million won, but in fact, in most cases, you only get it once and cannot apply for it more than once. So, you need to find an “emergency loan with a different guarantor (collateral).”
Signing up is required to log in to the Toss Bank app, and you must have a deposit/withdrawal account to apply for an emergency loan or check your limit.
When you enter the Toss Bank app, go to [Toss Bank] at the top, go to [Emergency Loan] in the loan list, and click [Learn about Emergency Loan].
After agreeing to the required information, enter your personal information. To verify your mobile phone identity, click [Agree and verify your identity].
Once mobile phone identity verification is complete, a Toss certificate can be issued. Afterwards, you can check the limit through the certificate.
Once the limit has been checked, the loan will be completed by filling out the loan application information and agreement.
“This is a table of 1st finance, 2nd finance, and government-supported emergency loans. “We compared the most popular products.”
(As of December 10, 2023)
loan product
maximum
interest rate
loan target
guarantee agency
One
gold
Jung
Car Bank Emergency Loan
3 million
5.03%~15.00%
Unemployed person, freelancer, housewife, office worker, business owner
Seoul Guarantee Insurance
Toss Emergency Loan
6.15%~15.00%
K Bank Emergency Loan
5.95%~15.00%
Kookmin Bank emergency loan
6.46%~6.86%
Hana Bank emergency loan
5.98%~6.58%
Shinhan Sol Convenient Emergency Loan
6.10%~7.1%
Shinhan Very Convenient Pocket Loan
5 million
6.59%~7.60%
Unemployed, housewife
credit
Woori Bank emergency loan
3 million
6.83%~7.83%
Customers using the 3 telecommunication companies
Daegu Bank emergency loan
8.19%~12.78%
Unemployed, housewife
Nonghyup All One Emergency Loan
(Product ends)
2
gold
Jung
Peppers Emergency Loan
5 million
6.9%~19.9%
People with low credit, unemployed people, freelancers, housewives, office workers
credit
Cider Bank Speedron
5 million
13.2~19.9%
NICE 350 points or higher
credit
affection
wealth
ji
one
Sunshine Loan 15
20 million
9.4%~15.9%
People with low credit, unemployed people, freelancers, housewives, office workers
National Happiness Fund
Special guarantee for those with the lowest credit
10 million
Small living expenses loan
1 million
As briefly explained above, the most important thing when applying for an emergency fund loan multiple times is the “difference in guarantor institution.” Simply put, if you borrow from Toss Bank, you cannot borrow from Kakao Bank. In fact, there are cases where you can borrow it. The Seoul Guarantee Insurance limit varies from person to person, but it is generally known to be 4 million won, and most people will not be able to receive duplicate coverage.
So, there are many people who give up on 1st Financial, but you can still borrow from Shinhan, Woori, and Daegu Bank at 1st Financial. Because it is a credit loan.
And you must know about government-backed loans. Even if you are rejected from 1st financing, please look into government-backed loans first, not 2nd financing. In particular, people with low credit, unemployed people, and housewives need to know better. This is literally a loan taken out in case of an emergency, and it has to be as safe as possible.
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