JB우리캐피탈

JB우리캐피탈

About this app

■ Main features
◾ View my financial status at a glance
You can check and manage all financial products you are using with one app.

◾ From 24-hour loan application to management at once
You can apply for personal loans and new/used car finance right from your mobile phone, and handle everything from post-contract management.
You can apply for car collateral loans and credit loans anytime with the app and check the results quickly

◾ New loan application resume function
You can resume the loan process that was interrupted during the application with the resume function.

◾ Long-term car rental, car lease self-quote inquiry
You can directly compare and select quotes for long-term car rental and car lease products.

◾ Easy login and fast work processing
You can quickly log in using various methods such as biometric authentication and PIN, and issue documents, check payments, and manage vehicles with your mobile phone.

■ Services provided
◾ 'Financial products' tab: Various loan products and quote inquiries at a glance
- Compare various financial products from credit loans to auto collateral loans, auto finance, real estate finance, and corporate finance products, and easily apply on your mobile phone.
- You can directly calculate and select products with desired conditions through the self-quote function.

◾ 'My finance management' tab: Check and manage all my financial products at once
- You can check the loan products you are currently using on one screen, and check detailed information such as balance, payment history, and payment schedule in real time.
- You can directly manage major loan-related functions such as loan repayment schedule, early repayment application, and extension availability.

◾ 'Customer Center' tab: Quickly resolve any questions, providing various customer support functions
- You can easily and quickly resolve any questions you have while using finance, such as frequently asked questions (FAQs), consultation application, and branch location information, on your mobile phone.
※ Some products and services may be restricted from being provided according to our internal standards.

[App access permission guide]
※ Required permissions
• Phone: Consultation request and connection
• Storage: Joint certificate storage and security media access
• SMS: Sending identity verification text messages

※ Optional permissions
• Notification service (PUSH): Providing notifications of information, benefits, events, etc.
• Camera: Taking ID photos
• Photo library: Uploading images
(You can use the app without agreeing to optional permissions, but there may be restrictions on the use of some functions.)

[Loan-related information]
• Loan repayment period: 12 months to 60 months
• Annual interest rate: 12% to 19.9% (Interest rates are applied differently depending on the customer's credit score, etc.)
• Default interest rate: Contracted interest rate + up to 3% (but within the maximum legal interest rate)
• Early repayment fee: Up to 2.0%
※ In case of violation of the maximum interest rate limit under the Loan Business Act, early repayment fee is deducted and not collected
※ 3 years from the loan handling date Exemption of early repayment fee for abnormal transactions
• Handling fee: None
• Stamp duty: Stamp duty burden when applying for a loan exceeding 50 million won (50% of the amount stipulated in the Stamp Duty Act)

[Example of loan cost]
• Loan repayment period: 36 months
• Loan amount: 10,000,000 won (10 million won)
• Loan interest rate: 12%
※ Monthly payment amount: 332,143 won
Loan principal: 10,000,000 won / Loan interest: 1,957,152 won
Total repayment amount: 11,957,152 won

What's new

1. 간편 로그인/회원가입 기능 (생체인증, PIN)
2. 대출신청 및 견적 조회 기능
3. 이어서 진행하기 기능