iM캐피탈

iM캐피탈

About this app

[Core functions]
● Personal finance: Personal finance service that allows quick and easy limit inquiry and loan execution
- Product types: Direct loan, instant loan, partnership/linked loan, lease loan
● Auto Finance: Easy, fast and convenient car finance service
- Product types: New car auto loan, auto lease, used car auto loan, long-term rental car
● Financial Center: Various installment/lease products and corporate financial services
- Product types: lease finance, installment finance, corporate finance, new technology finance
● My: Quickly and easily process application/use details, change information, and issue documents.
● Customer Center: Online customer center including user guide, consumer protection guide, consultation/inquiry, etc.

[Loan product information]
● Repayment period: Minimum 12 months ~ Maximum 120 months
● Loan interest rate: minimum 5.2% per year ~ maximum 19.9% ​​per year
● Delinquent interest rate: Contracted interest rate + maximum 3% per year (but within the legal maximum interest rate)
● Incidental costs: early repayment fee (within 2%), stamp duty 50%
● Interest payment cycle: Every month
※ If 1 million won on January 1 (first payment date February 1) is repaid in equal amounts over 12 months at an annual interest rate of 7.0%, the total payment amount is 1,038,324 won.

[App access permission information]
● Telephone (required): Use mobile phone information for identity verification and consultation connection.
● Storage space (required): storage of joint certificates and access to secure media
● Camera (optional): ID card photo
● Photo Library (optional): Upload images
● Notification (optional): Provides essential guidance and useful information

- You can use iM Capital services even if you do not agree to the access rights for the above items, but there may be restrictions on the use of some functions.
- You can also set it in Settings > Applications > iM Capital > Permissions menu.

[caution]
Please note that when using the service over a mobile communication network (3G/LTE/5G), additional costs may apply depending on the data plan you subscribe to.
For other service usage information and inquiries, please call ‘1566-0050’ (weekdays 9:00 am to 6:00 pm).