JB우리캐피탈 다이렉트

JB우리캐피탈

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About this app

The newly reorganized JB Woori Capital financial service provides an easier and more convenient loan screen with a mobile-specific UI/UX.

Use JB Woori Capital Direct's personal loan, new car purchase (rental car/auto lease/new car loan), and used car purchase loan products.
☞ Try JB Woori Capital Direct's personal loans, new car products (long-term rental car/auto lease/auto loan), and used car purchase loan (auto loan) products.

■ Financial services available 365 days a year on mobile
☞ ■ Financial services available 365 days a year on mobile

■ Use convenient and various authentication methods to log in and quickly approve loans.

■ Credit loan / comprehensive vehicle comparison / vehicle rental and auto leasing, etc., all at once on mobile
☞ ■ Credit Loan / Wide Vehicle Comparison / Long-term Rental Car, Auto Lease, Auto Loan, etc. All products are solved at once on mobile

■ Provided service

● Personal Loan: Customers who need quick loan approval
- credit loan
- car mortgage loan

● Car Finance: Customers considering buying a new/used car
☞ ● Car finance: Customers considering buying a new car product/used car
- Long-term rental car
- auto lease
- New car auto loan
- Used car auto loan

※ Some products and services may be restricted in accordance with our internal standards.

[Guidance on App Access Permissions]
※ Required access rights
• Media: Take a picture of your ID when applying for a loan
• Save: Temporarily save and delete ID photos
• SMS: Send identity verification text message
※ Optional access rights
• Notification Service (PUSH): Provision of notifications such as information, benefits, and events
(You can use the app even if you do not agree to the optional permission.)

[Loan related information]
• Loan repayment period: 12 to 60 months
• Annual interest rate: 12% to 19.9% ​​(interest rates are applied differently depending on the customer's credit score, etc.)
• Overdue interest rate: contracted interest rate + up to 3% (but within the legal maximum rate)
• Early redemption fee: up to 2.0%
※ In case of violation of the maximum interest rate limit under the Loan Business Act, the prepayment fee is deducted and not collected.
※ Early redemption fee waived for transactions over 3 years from the date of loan handling
• Handling Fee: None
• Stamp tax: stamp tax burden when applying for a loan exceeding 50 million won (50% of the amount stipulated by the Stamp Tax Act)

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