크플 - 투자, 대출, 앱테크, 신용관리를 한 번에

PFC Technologies Inc.

About this app

■ Earn easily and surely by investing around 10% per year*
- You can invest from 10,000 won
- You can receive interest every month (apartment investment)
- There are several investor safety measures.
- There are various investment products such as apartment investment and ultra-short-term investment.
- Average rate of return: 2016.05.26 ~ 2024.05.31, rate of return that does not consider platform usage fees, taxes, and possibility of insolvency, and is the same as the linked loan interest rate

■ The loan limit is generously doubled.
- Average limit per person +90.4% added (average limit increase rate for refinancing customers of People Fund Loan in the loan comparison service, period 2016.05 ~ 2022.01)
- Loan available at 7% even for annual salary of 3,000 (AI loan comparison actual loan example)
- Completed loan execution of KRW 1.8974 trillion (AI loan comparison cumulative linked loan execution period 2016.05 ~ 2023.12)

■ Earn money by saving loan interest rates
- We give everyone a 0.2% interest subsidy coupon exclusively for capital products.
- Already 4,496 people have saved 2.71 million won in interest from KPL (Average interest savings for People Fund loan refinance customers in AI loan comparison, period 2016.05 - 2022.01, average loan period 45 months, based on equal repayment of principal and interest)

■ Exchange free gifticon for credit right now
- Super simple! Get 1,000 credits just for signing up
- We give you up to 1,000 credits in the Daily Draw every day.
- Manage your credit and receive credit! Completing a solution challenge will give you up to 10,000 credits

■ Purchase gift certificates online at the lowest price
- Purchase Culture Land gift certificates at the lowest price online with a 30% hot deal on a first-come, first-served basis and an always-on 6% hot deal.
- Hot deals open every day

■ The first step to better loan conditions, lending ability score
- We have already provided solutions to 178,619 people! (Count: 2023.04.05 ~ 2024.09.25)
- By analyzing more than 300 pieces of credit information, we analyze in detail the factors that influenced loan screening by item.
- You can check positive and negative factors in loan screening at a glance.
- You can check which areas need improvement first through the proportion of each item reflected.
- AI provides a step-by-step score management plan
- We predict the optimal loan conditions that can be achieved through score management.

■ Linked investment precautions
- Please read the financial product description and terms and conditions before signing a financial product contract.
- The platform usage fee (commission) for this product is up to 1.2%, and is paid by deducting from the investor settlement amount when repaying the principal and interest.
- This linked investment product is not protected by the Korea Deposit Insurance Corporation in accordance with the Depositor Protection Act, and the investor is responsible for any loss of principal.
- The amount of loss due to loan delinquency or default varies depending on the results of bond sales and collection, and the maximum loss can reach the entire investment principal of the bond.
- You can withdraw your investment until the investment fund is completed. (Withdrawal is limited after completion of recruitment until redemption/settlement of the product is completed)
- Our company has an obligation to fully explain this linked investment product, and investors are requested to fully understand the product screen and disclosure information before investing before making an investment decision.
- Past management performance does not guarantee future returns.
- Complaints related to Cple's business activities can be submitted to the main email ([e-mail]) or customer service center (1600-9613), and the company has an obligation to respond faithfully and take necessary actions. If you wish to mediate a dispute, you can apply for mediation to the Financial Supervisory Service.
- This advertisement complied with procedures in accordance with relevant laws and internal control standards.

■ Precautions
- KPL is a service where financial consumers can check their credit information and receive suggestions for improvement solutions through AI algorithms.
- This service has concluded loan solicitation consignment contracts with multiple financial institutions, and does not receive any financial compensation from consumers in relation to loan contracts/execution.
- The loan limit/interest rate of each financial company for this service may vary depending on the financial company's main review standards.
- Conclusion of loan contracts through credit screening, etc., retention and management of consumers' personal/credit information, and receipt of loan interest and principal repayment are all performed by financial institutions that are direct sellers of financial products.
- When using a loan product, you may incur disadvantages due to a drop in your credit score. If you delay repayment of principal and interest, you may be subject to disadvantages such as being obligated to repay the entire remaining principal and interest before maturity and being registered as a subject of credit information management.
- Financial consumers have the right to receive explanations about financial products. Please check the financial product description and terms and conditions before entering into a contract.
- This service is provided by PFC Technologies Co., Ltd.
- Complaints related to this service can be submitted to the main email ([e-mail]) or customer service center (1600-9613), and the company has the obligation to respond sincerely and take necessary action. If you wish to mediate a dispute, you can apply for mediation to the Financial Supervisory Service.
- In relation to this service, consumers may claim damages from financial institutions and PF Technologies Co., Ltd. pursuant to Articles 44 and 45 of the Financial Consumer Protection Act.
- This advertisement complied with procedures in accordance with relevant laws and internal control standards.

■ Personal credit loan information
Loan limit: Minimum 500,000 won ~ Maximum 200 million won
Loan period: shortest 12 months ~ maximum 120 months
Integrated interest rate range: Minimum 3.13% per year ~ Maximum 19.99% per year (Preferential interest rate: Up to 1% applicable to some products only)
Example of loan repayment: When borrowing 1 million won with equal repayment of principal and interest over 12 months at an annual interest rate of 5%, total loan cost: 1,027,230 won (monthly payment: 85,607 won)

■ Notes on loan interest and subsidy
- If you receive a loan by applying a coupon from the KPL loan comparison service, a portion of the loan amount will be paid back as credit.
- After the loan is completed, the 'Receive Reward' button in the coupon box is activated, and when you click the button, credit is paid immediately.
- Please refer to the instructions for each coupon for the timing of activation of the reward button for each coupon. Unless there is a special notice, the Get Compensation button will be activated as soon as loan execution is confirmed.
- You can receive coupon benefits only when you apply within the period specified in the coupon.
- A coupon once used cannot be used multiple times for other products.
- Benefits are paid by KPL, not a financial institution. Please note that guidance is not provided on the financial company's loan application screen.
- This coupon event may be changed or terminated early without prior notice due to our circumstances. For inquiries regarding coupons, please contact us through the KPL Kakao channel.

■ Customer Center
- Email inquiry: [e-mail]
- KakaoTalk inquiry: @cple

■ Service access rights
- Notification: Push notification

※ You can use the service even if you do not agree to allow optional access rights, but there may be restrictions on the use of some necessary functions. Compliance officer review completed No. 7659 (24.09.26.6 months)