토스 비상금 대출Toss Emergency Fund Loan, launched in partnership with SC First Bank, is a small emergency loan product reviewed by Toss and has a maximum limit of 500,000 won.
You can apply if you are 19 years of age or older. The loan period is 1 month, the minimum interest rate is 5.66% per year, and the repayment method is repayment in equal installments of principal and interest, and there is no early repayment fee.
It is good to use if you need a small amount in a hurry, but please note that the loan period is 1 month, and an additional interest rate of 3% per year will be charged to the loan interest rate in case of late payment.
You can apply for a Toss emergency fund loan through the Toss app. Although it was launched in partnership with SC First Bank, loan screening is conducted by Toss Bank, not SC First Bank, and is conducted regardless of credit score.
However, in order to proceed with the screening, you must verify your income and expenditure information, so you must link your account or card.
When the loan is executed, the loan amount is deposited into the applicant’s account, and if 500,000 won is loaned based on the lowest interest rate, the expected interest rate is 2,345 won.
1. Run the Toss app
After accessing the app, click ‘All’ in the bottom menu.
2. Select loan menu
In the loan menu, click ‘Borrow emergency funds’.
3. Borrow money
After checking the product, click ‘Borrow Money’ at the bottom.
4. Apply for a loan
After linking your account or card, follow the procedures to apply.
Even if Toss confirms that a loan is possible, the application may be rejected according to SC First Bank screening standards.
When the loan matures, the principal and interest are automatically repaid from your deposit and withdrawal account, so you must check the balance when the maturity date approaches.
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