These days, many people are being rejected for loans from the first financial sector due to reasons such as eligibility criteria and credit scores. Because of this, nowadays, there is a trend where many people are turning to the relatively easier second financial sector for loans. Therefore, today, we will easily guide you through two mobile microloan products that are said to have the highest approval rates among these financial sector loans, including the conditions, amounts, and how to apply. Let's dive right in. First, the conditions for applying for the SBI Savings Bank Speed Loan are as follows: You must be at least 20 years old, a Korean citizen, and have a credit score of 350 or higher according to the NICE standard to be eligible. You can apply for up to a maximum of 5 million won, and the repayment methods include balloon payment, equal installments, and other options. The interest rate ranges from 12% to 19.9%, depending on your credit score. The second product is the Emergency Fund Ok Theory from OK Savings Bank. Apply...

The requirements are that you must be at least 29 years old, with verifiable income, employed, and a credit score of at least 351 according to NICE standards to apply. The phrase verifiable income here literally refers to income that can be estimated, such as National Pension contributions and health insurance premiums. However, even for the unemployed, if there is a record of credit card usage, they can apply as an exception. Please make sure to note this. The maximum loan amount is also up to 5 million won, and repayment methods include bullet repayment and equal installment repayment. The interest rate ranges from 17% to 19.9% depending on the credit score. Today, we easily looked at two representative small loan products in the 2nd financial sector. The application links for these two loan products will be left in the pinned comment below for you to check. If anyone has been rejected for a loan, they can also try applying for Nabi Bank.

I will also leave you with loan products, so it would be good to check. Thank you. 365 days, 24 hours, your own emergency fund, Nabi Bank.

2금융권 소액대출 '스피드론 OK론' 2가지 총정리 │조건·금액·신청방법

나만의 비상금, 나비뱅크!🥰
365일 24시간 휴대폰,카드만 있다면 나비뱅크에서 비상금 해결OK!

나비뱅크 홈페이지: www.nabibank.co.kr
(비상금신청은 홈페이지에서 문의주세요!)

나비뱅크 자주하는 Q&A

Q. 나비뱅크는 어떤 업체인가요?
A. 나비뱅크는 모바일상품권을 매입하는 회사 입니다.
하지만! 휴대폰 결제&신용카드로 모바일상품권 구매가 가능한데요!
그래서 이를 이용한 구매방법도 알려드리고, 매입도 함께 도와드리고 있어서
다들, 비상금 마련하실때 상품권 사서 보내주시면서 비상금 마련하실때 유용하게 사용해주시고 있습니다:) 

Q. 절차가 궁금해요!
A. 공식홈페이지 통해 문의 → 상담원 배정(1분내) → 설명후 매입진행 → 입금완료 
이 과정은 5~10분내로 마무리 됩니다:)

Q. 서류나 복잡한 절차가 필요한가요?
A. 아니요! 저희는 휴대폰 한도나 카드로 상품권 구매하신걸 매입하는 방식이라, 서류나 절차는
필요하지 않습니다:)

Q. 이게 대출인가요?
A. 휴대폰 한도로 상품권을 구매하여 판매하는 방식이기 때문에, 다음달에 요금 청구시 납부하시면 되는 휴대폰한도 판매 개념으로 생각하시면 됩니다:)

Q. 수수료는 얼마인가요?
A. 예를 들어서, 휴대폰한도로 상품권10만원 구매해서 매입 맡겨주실시에는, 8만원~8.5만원 정도가 실제 받아가시는 금액이고, 상품권이 환급성이다보니, 상품권구매가 막힐 경우, 수수료가 변동될수 있습니다. 이 부분은 사전에 먼저 말씀드리고 안내 해드립니다.

Q. 휴대폰 말고 다른 방법으로도 가능한게 있나요?
A. 보유중인 상품권,휴대폰 정보이용료 한도,신용카드 등 웬만한 것들은 모두 가능합니다:)

Q. 마지막으로, 한번만 가능한건가요?
A. 아니요! 휴대폰 한도는 매달 초기화 되기 때문에, 매달 원하실 때 언제든지 가능합니다:)
