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Auto Loan is a secured loan product for car owners. Anyone who owns a car can apply for up to 80 million won.
Let’s take a closer look at the application method for Sangsangin Savings Bank’s Auto Loan and reviews of actual loans.
Check out the loan products, application methods, and reviews of those who received loans all at once below.
▼ Choose the right loan product for me ▼
Sangsangin Savings Bank’s Auto Loan is a product that allows you to receive a loan using your car as collateral.
It is an auto loan that allows you to receive a loan of up to 150% of the market price of your car, up to 80 million won, using your own car as collateral.
This product can be approved even with a low credit score, and you can receive a loan of up to 100 million won at an annual interest rate of 7.95%.
Anyone with a NICE credit score of 530 or higher can get a car loan secured by Sangsangin Savings Bank Auto Loan.
▼ Sangsangin Savings Bank Auto Loan ▼
I recently received an additional credit loan, and my credit score has dropped, so I couldn’t get a loan from a first-tier financial institution.
So while looking for an alternative product, I found out about Sangsangin Savings Bank Auto Loan,
If you meet only two conditions, you can get a loan approved without any problems like me even if your credit score is low.
If you meet the two conditions below, anyone can apply, so check it out.
▼ Check your NICE credit score in 1 minute ▼
The loan limit for Sangsangin Savings Bank Auto Loan is up to 150% of the market price of the vehicle you own, up to 80 million won.
The higher the market price of the vehicle I own, the higher the loan limit.
In addition, the loan limit may be affected by the individual’s credit rating.
The interest rate for the Sangsangin Savings Bank Auto Loan car loan is applied differently depending on the credit score.
Based on the variable interest rate, it ranges from 7.95% to 17.71%.
If you select a fixed interest rate, 1%p will be added to the variable interest rate at the time of loan execution.
You can borrow up to 150% of the vehicle market price, but the loan interest rate is higher than that of general loans, so this product is recommended for those who need cash urgently.
If you want to check your exact loan limit and interest rate, you have to check it yourself.
Go to the link below and check it in 1 minute.
▼ What is my loan limit and interest rate? ▼
You can easily apply for Sangsangin Savings Bank Auto Loan through mobile banking without face-to-face contact.
When I applied directly, the loan application was completed in less than 5 minutes.
The loan application process is summarized below, so apply.
Time required: 5 minutes
Summary of loan application process
▼ Go to Sangsangin Savings Bank mobile banking ▼
Documents required for Auto Loan execution are vehicle registration certificate, income verification documents, driver’s license, and resident registration copy.
If you are a corporation or business owner, a business registration certificate may be required.
Additional documents may be required during the loan review process.
If you do not meet the credit score requirements or are not eligible for credit according to Sangsangin Savings Bank’s review criteria, your loan may be rejected.
Since Sangsangin Savings Bank Auto Loan satisfies the conditions as long as the NICE credit score is 530 or higher, many low-credit borrowers are using auto loan secured loans.
The auto loan grace period is up to 96 months.
The auto loan repayment method is equal installment repayment of principal and interest.
If a variable interest rate loan is executed, the loan interest rate may increase or decrease until the entire loan is repaid.
If Sangsangin Savings Bank Auto Loan is repaid early, an early repayment fee will be charged.
An early repayment fee will be charged if the loan is executed within 3 years.
Please note that the fee is waived after 3 years.
Check the credit score, interest rate, and loan amount of Sangsangin Savings Bank Auto Loan directly received within the past year.
In the case of a credit score of 580, a loan of 13 million won was approved at an interest rate of approximately 19%.
Those with a credit score of 600 points were approved for a loan of 40 million won at an interest rate of about 17%.
Those with a credit score of 680 points were approved for a loan amount of 65 million won at an interest rate of about 16%.
Today, we have organized the application method, required documents, credit conditions, and actual loan execution reviews of the Sangsangin Savings Bank Auto Loan, which anyone who owns a car can apply for.
Regardless of existing credit loans and other secured loans, if you do not have a car loan, you can quickly get a loan approved.
If you need cash urgently due to an unexpected situation, please be sure to check it out.
Operator: Daisy
Business Email: ekzkdtl@gmail.com
