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The Sunshine Loan Card is a credit card issued by the Korea Inclusive Finance Agency for low-income and low-credit people. It guarantees up to 2 million won and can be used for 5 years. Financial institutions that handle it are Lotte, Hyundai, KB, Samsung, Shinhan, Woori, and Hana Card. You can apply both online and offline.
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The Sunshine Loan Card is a product guaranteed by the Korea Inclusive Finance Agency and is a credit card product that can be made by low-income and low-credit people who have difficulty issuing credit cards and do not receive credit card benefits such as installments and points. It is handled by a total of 7 military financial institutions.
Credit card issuance can be applied for both online and offline. However, you can compare the annual fees and benefits of each card company as reviewed above and then select the card company that is most advantageous to you.
The credit card usage limit is up to 2 million won per month, the installment period is up to 6 months, and can be used for up to 5 years. However, the usage limit is deducted by 200,000 won from the guaranteed limit, so the actual limit is up to 1.8 million won.
Those with low income and low credit who meet the conditions such as credit score, required education, and disposable income are eligible.
1. Credit score: Bottom 20% credit score (based on KCB or NICE)
2. Those who have completed the required Sunshine Loan Card training provided by the Korea Inclusive Finance Agency
3. Annual disposable income of 6 million won or more
How to check your credit score
Click here to check your credit score 6 ways to quickly raise your credit score Some people may be worried because they need to get a loan but their score is bad. If you adopt the following spending habits, your score will definitely go up.
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Applicants must take the Sunshine Loan Card credit education course (3 sessions) marked as required as shown in the photo below. You can check the certificate of completion by clicking ‘Online Learning Status’ on My Page after taking the course and checking the completed training. (There is no separate test)
Go to Sunshine Loan Card required training
Required education
1. Sign up
2. Online education
3. Loan user education
4. Complete required training after accessing the Sunshine Loan Card
Be sure to check the submitted documents as supporting documents may vary depending on the applicant’s current status. All documents are accepted only if they were issued within one month from the date of application for guarantee.
1. You can apply for credit car reissuance 60 days after card cancellation, and the guarantee may be rejected or the limit may differ depending on your credit score. (If there is a remaining installment amount, you can apply upon full payment)
2. The amount may vary for each individual because the usage limit is given considering each individual’s credit rating.
3. Card loans (cash advance, card loan, revolving), payment deferral, and installment payments are not available.
4. There are also restrictions on use in the entertainment industry (dark bars, nightclubs, etc.), gambling industries (casinos, racetracks, lottery rooms, etc.), golf courses, and some unauthorized payments.
5. During the warranty period, the card usage limit can be increased or decreased within the initially assigned limit, and the card company cannot be changed.
Go to Sunshine Loan Card Application
2023 Small Living Expenses Loan Application Conditions and Application Method
The 2023 Small Living Expenses Loan provides up to 1 million won. The interest rate is 15.9% and there is no early repayment fee, and if you receive preferential interest rates, you can receive as low as 9.4%. After making a reservation online,
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Types of loans from the Korea Inclusive Finance Agency
People with low credit ratings and low income find it difficult to get a loan, and even if they do, they have no choice but to take out a loan at a high interest rate. These people use low-income loans from the government-run Microfinance Agency.
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Application for new start fund for small business owners and self-employed people
The government has a New Start Fund System, which is a system that provides support to self-employed people and small business owners who are having difficulty repaying loans due to damage such as business restrictions due to the coronavirus. Information on how to apply for this fund, etc.
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