롯데캐피탈 모바일뱅킹

롯데캐피탈

About this app

◎ Service information
■ Credit loan completed with one app
• Check the optimal limit and interest rate that suits you without entering complicated information
• Loan application, ID and document submission all OK through the app

■ Additional loan benefits if you have a Lotte Capital credit loan
• Customers using existing Lotte Capital credit loans can also take out additional loans.
• Check available additional limits and interest rates and deposit money immediately after completing the application.

■ When you need a car
• Easily check vehicle quotes and apply for car installment or lease
• Easily and safely transmit various documents required for car installment and leasing

■ Easily manage your loans
• Check your current loan details at once and repay immediately
• Issuance of loan-related documents is also safely and easily stored

■ Convenient usability
• Easy-to-understand, user-friendly screen and design system
• Provides various home screens tailored to the user’s situation

[Information Use]
To use various transaction services, you need a Toss certificate or a joint certificate, and you can use the joint certificate by bringing it from your PC to your smartphone.
※ How to import from PC PC homepage (Joint Authentication Center > Export Joint Certificate > Copy Joint Certificate > Select Lotte Capital Mobile Banking App > Joint Authentication Center > Import Joint Certificate)

[Precautions when using]
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 instructions and inquiries, please contact us through ‘Customer Center > ARS Service’.

[App access permission information]
※ Required access rights
• Phone: ARS authentication
• SMS: Send identity verification text message
• Camera: Take a picture of your ID card when applying for a loan
• Storage: Temporarily storing and deleting ID photos
※ Optional access rights
• Location: Taking photos to inspect leased items.
(You can use the app even if you do not agree to optional permissions.)

[Loan-related information]
• Loan repayment period: 12 to 120 months
• Annual interest rate: 7.4%~18.9%
※ Depending on the product and personal credit rating, etc., a late payment interest rate of +3% of the agreed interest rate is applied in case of late payment (but within the legal maximum interest rate)
• Early repayment fee: up to 2.0%
※ Exemption of early repayment fee for transactions made over 3 years from the date of loan processing
• Handling fee: None.
• Stamp duty: When the loan amount exceeds KRW 50 million, statutory stamp duty is KRW 70,000 (customer fee is KRW 35,000) [However, for refinancing loans, stamp duty is fully borne by our company]