알다 : 대출비교는 신용올리기부터

4.3
3.02K reviews
500K+
Downloads
Content rating
Everyone
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About this app

[Financial Supervisory Service-designated loan product sales agent/broker]
[My Data Service Provider Designated by the Financial Services Commission]

Alda, an easy loan comparison platform with a cumulative download of 1.92 million and a cumulative loan approval amount of 57 trillion won.
Compare over 170 loan products, easily apply, and manage them without having to go to the bank.

[A new service introduced by Alda]
- The loan comparison service screening results screen has been changed to make it easier to view. You can more easily find the product with the most suitable conditions.
- The screen has been improved to make it easier to check credit score changes and inquiry details.
- On the Alda app, you can compare loan products from ‘Excellent Microfinance Lenders’ designated by the Financial Services Commission.

[Find a loan product that meets your desired conditions without visiting the bank]
- We save you the trouble of researching and comparing them one by one. Compare the terms of over 170 loan products at once.
- We will find customized loan conditions with the lowest interest rate and highest limit in just one minute.
* Even if you check with multiple financial companies at once, it does not affect your credit score because only one credit check is recorded.
* Alda does not require brokerage fees. We do not charge customers any fees related to the loan.
* 금융사 사칭 문자에 조심하세요! Alda does not recommend specific loan products through SMS/LMS/Kakao Talk, etc.

[Apply for a loan right away, no need to wait]
- You can apply for a loan at any time, day or night, weekdays or weekends.
- You can find the loan that can be approved the fastest, from same-day deposits to deposits within 3 days.
- Try using a refinancing loan that allows you to change to a lower interest rate.

[Manage loans created through ‘Youngkeul’ and ‘Debt Investment’ like this (with My Data)]
- To avoid any inconvenience due to late payment, we will automatically send you a notification when the loan has to be repaid.
- We will easily diagnose whether the loan interest rate you are currently repaying is the best.
- You can get a prescription for reducing burdensome loan interest with the interest rate reduction calculator and early repayment (refinancing loan) calculator.

[As loan interest rates continue to rise, check whether it is possible to exercise the ‘right to request an interest rate reduction’]
- The right to request an interest rate reduction is the right to request an interest rate reduction based on reasonable grounds when credit status has improved as stipulated in Article 50-13 (Request for Interest Rate Reduction) of the Credit Finance Business Act.
- Rational grounds mean ‘increase in income’, ‘increase in credit rating’, or ‘other cases where it is judged that the person’s credit rating has increased’’.
- By using Alda, you can quickly check at once whether you can request an interest rate reduction on your loan without having to calculate or consult separately.

[Deposits and savings that were difficult to compare can now be easily compared]
- You can compare deposit products from various financial companies, from first-tier financial institutions to savings banks and capitals, all at once.
- You can select and view only the deposit products that fit your conditions, including interest rate, payment amount, and subscription period.
- Find and sign up for the type of savings account you want, including regular savings and free savings.

[Meet your own credit management consulting]
- We will easily inform you of your credit score based on Korea Credit Bureau (KCB) credit information.
- Submit non-financial information, such as communication charges, health insurance premiums, and proof of income, to a credit rating agency with one click and raise your credit score in just one day.
- If you are an Alda app user, we provide a customized credit analysis report and credit management consulting for free.

[Security is also being kept thoroughly]
- When reviewing a loan, we use a one-time security number to protect your contact information.
- All Alda information is safely protected by establishing security policies and infrastructure in accordance with financial laws and regulations.
- All user DBs are encrypted, and access to the DB from outside is blocked at the source. (24-hour control team operated)

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[Who operates Alda?]
-Sun operated by Team Wink.
- Innovation was recognized by winning the grand prize in the PFM category at the 2020 Hankyung Fintech Awards, the grand prize in the 2019 Mobile Brand Asset Management category, and the grand prize in the credit management category at the 2018 App Awards Korea.

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[Notice pursuant to Article 26 of the Financial Consumer Protection Act]
- Team Wink is a loan solicitation corporation (loan solicitor registration number No. 2021-010) that brokers contracts for loan products from various direct sellers of financial products.
* Affiliated financial institutions (in alphabetical order): BNK Capital, BNK Savings Bank, IBK Savings Bank, JB Woori Capital, JT Chinae Savings Bank, KB Kookmin Card, KB Capital, KB Savings Bank, NH Nonghyup Capital, OK Capital, OK Savings Bank , SBI Savings Bank, SC First Bank, Korea Savings Bank, Golden Capital Loan, Gwangju Bank, Daol Savings Bank, Daehan Savings Bank, Daily Funding, Dongwon Jeil Savings Bank, Lotte Capital, Reading Plus Funding, Leadcorp, Baro Credit Loan, Busan Bank, Sangsangin Savings Bank, Seram Savings Bank, Smart Savings Bank, Sunny Capital Loan, Honest Fund, Accuon Savings Bank, Aone Loan Capital, L Harvest Loan, MSI Loan, Yegaram Savings Bank, Yellow Capital Loan, Ocean Funding, Welcome Savings Bank, Woori Finance Capital, Woori Finance Savings Bank, Inseong Savings Bank, Jeonbuk Bank, Jinju Savings Bank, Kiwoom Yes Savings Bank, Taekang Loan, Together Funding, Pepper Savings Bank, Hana Savings Bank, Korea Capital
* The service is provided only for loan products from affiliated financial companies that have entered into a service consignment agreement with the company, and does not cover all loan products from all financial companies.
* Loan conditions: Loan interest rate (minimum 2.39% per year ~ maximum 20.0% per year), loan limit (KRW 1 million ~ KRW 250 million), loan repayment period (minimum 12 months, maximum 96 months)
* Loan repayment example: If you borrow 1 million won with equal repayment of principal and interest over 12 months at an annual interest rate of 6.5%, you will repay 86,296 won per month (80,880 won loan principal, 5,416 won interest). (Total loan cost (repayment) 1,035,557 won, total interest cost 35,557 won)
- Team Wink does not have the authority to conclude a loan contract, and the right to conclude a loan contract through credit screening, etc. belongs to the financial institution that is a direct seller of financial products.
- In relation to the use of this service, consumers may claim damages from financial institutions, which are direct sellers of financial products, and Team Wink, which is a financial product sales broker, pursuant to Articles 44 and 45 of the Financial Consumer Protection Act.
- Team Wink does not receive any financial compensation from consumers in connection with loan contracts or loan execution through this service, and does not receive loan interest or principal repayment on behalf of financial institutions.
- Personal information and credit information entered by consumers to use this service are held and managed by financial institutions that are direct sellers of financial products.

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[access authority guide]
* Alda requests only the necessary permissions to provide safe services.
- select
(1) Phone: Identity verification using mobile phone number
(2) Storage space: Joint certificate login
* Optional permission is required when using certain functions, and you can use the Alda service even if you do not agree to the permission.
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[Customer inquiry]
help@wink.kr (Mon-Friday 10: 00-18: 00)

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Team Wink Co., Ltd.
11th floor, Dream Plus, 311 Gangnam-daero, Seocho-gu, Seoul
Updated on
Mar 17, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 4 others
This app may collect these data types
Location, Personal info and 4 others
Data is encrypted in transit
Data can’t be deleted

Ratings and reviews

4.3
3.02K reviews
Yongjin Lee
August 2, 2020
Good!
14 people found this review helpful
teamwink Inc.
December 8, 2020
감사합니다 Youngjin님😁
A Google user
January 29, 2019
왜 내국인 만 가능 할까요? 외국인 도 대상으로 인정을 받고 싶습니다
24 people found this review helpful
teamwink Inc.
February 11, 2019
Balaram Saha 고객님, 안녕하세요! 알다는 개인 금융정보 및 자산관리 서비스이다보니 개인정보 보호와 서비스 보안을 위해 현재는 만 14세 이상 대한민국 거주 내국인만 가입이 가능합니다ㅜㅜ 다만 고객님과 같은 많은 고객님들의 문의와 요청을 받들어 한국 거주 외국인 분들, 혹은 외국 거주 한국인 분들께도 함께 서비스 드릴 수 있는 방법을 찾고 있습니다. 준비되는대로 다시 말씀 드리겠습니다. 불편을 드려 죄송합니다!ㅠㅠ

What's new

[알다 : 쉬운 대출비교 플랫폼]

여러분의 대출 이자를 줄여 드리기 위해, 알다는 정기적으로 앱을 업데이트 하고 있어요.

1. 일부기기에서 공동인증서 등록 할수 없던 버그를 고쳤어요.
2. 알다 서비스를 편리하고 안전하게 이용하실 수 있도록 곳곳에 숨어 있던 버그를 고쳤어요. 혹시 불편한 점이 있으시다면 언제든지 전체 > 1:1 문의하기를 통해 알려주세요!