iM캐피탈

iM캐피탈

About this app

■ 'Home' for easy access to frequently used menus and services

• Choose between Basic Home and Easy Home to provide a variety of home screens tailored to your needs
• Check your limit and apply for a loan in one place, without the hassle of submitting complicated documents

■ 'Product' for browsing iM Capital's main products and services

• Check all products you're interested in, including personal, secured, auto, and corporate loans
• Plan your loan application with the loan calculator

■ 'My' for easy management of your loan products

• View payment, billing, and delinquency history for current or pending loans at a glance

• Easily manage leased or rented vehicles

■ New, smart loan services

• Additional loan benefits, including preferential rates, available to existing customers
• Check your assets with real estate and vehicle price searches

[Loan Information]
● Repayment Period: Minimum 12 months ~ Maximum 120 months
● Loan Interest Rate: Minimum 5.2% ~ Maximum 19.9% ​​per annum (varies depending on product and personal credit score)
● Default Interest Rate: Agreed Interest Rate + 3% (within the maximum legal interest rate)
● Early Repayment Fee: Differentiated rates apply based on the elapsed period from the loan disbursement date (up to a maximum early repayment fee of 2%)
● Stamp Duty: Financial institutions and consumers each share 50%
● Interest Payment Cycle: Monthly
※ A total payment of KRW 1,038,324 for 12 months at an annual interest rate of 7.0% for KRW 1,000,000 on January 1st (first installment due February 1st) would be required.
※ Detailed standards may vary by product.

[App Access Permissions Information]
● Phone (Required): Use of mobile phone information for identity verification and consultation connection.
● Storage (Required): Storage of joint certificates and access to secure media.
● Camera (Optional): Photo ID photo.
● Photo Library (Optional): Image upload.
● Notification (Optional): Required instructions.
- You can still use iM Capital services even if you do not agree to the above permissions. However, some features may be restricted. (You can also configure settings in Settings > Applications > iM Capital > Permissions.)

[Note]
Please note that additional charges may apply depending on your data plan when using the service via mobile networks (3G/LTE/5G).

For other service usage information and inquiries, please call 1566-0050 (Weekdays, 9:00 AM - 6:00 PM).

※Compliance Review No. 2025-109

What’s new

기능개선 및 패치