알다 : 대출비교는 신용올리기부터

teamwink Inc.

About this app

[Financial Supervisory Service-designated loan product sales agent/broker]
[My Data Service Provider Designated by the Financial Services Commission]

Alda, an easy loan comparison platform with a cumulative download of 1.92 million and a cumulative loan approval amount of 57 trillion won.
Compare over 170 loan products, easily apply, and manage them without having to go to the bank.

[A new service introduced by Alda]
- The loan comparison service screening results screen has been changed to make it easier to view. You can more easily find the product with the most suitable conditions.
- The screen has been improved to make it easier to check credit score changes and inquiry details.
- 알다 앱에서 금융위원회가 지정한 '서민금융 우수대부업자'의 대출 상품을 비교하실 수 있어요.

[Find a loan product that meets your desired conditions without visiting the bank]
- We save you the trouble of researching and comparing them one by one. 170여개 대출 상품의 조건을 한 번에 비교해요.
- 최저금리, 최고한도의 맞춤형 대출 조건을 단 1분만에 찾아드려요.
* 여러 금융회사를 한 번에 조회해도 신용 조회 기록은 1회로 남기 때문에 신용점수에 영향을 끼치지 않아요.
* 알다에서는 중개 수수료를 요구하지 않습니다. 대출과 관련된 수수료를 고객에게 받지 않습니다.
* Be careful of texts impersonating financial companies! 알다는 SMS/LMS/카카오톡 등을 통해 특정 대출상품을 권유하지 않습니다.

[기다릴 필요 없이 바로 대출 신청하세요]
- 낮에도 밤에도, 평일에도 주말에도 언제든지 대출 신청이 가능해요.
- 당일 입금부터 3일 이내 입금까지 가장 빠르게 승인받을 수 있는 대출을 한 번에 찾을 수 있어요.
- 더 낮은 금리로 갈아 탈 수 있는 대환대출도 이용해보세요.

['영끌'과 '빚투'로 생긴 대출, 이렇게(마이데이터로) 관리해보세요]
- 연체로 인해 불편하시지 않도록 대출을 갚아야 하는 날이 되면 자동으로 알림을 보내드려요.
- 현재 갚아나가고 계신 대출 금리가 가장 좋은 조건인지 간편하게 진단해 드려요.
-The interest rate cut calculator, middle repayment (loan loan) calculator can be prescribed to reduce loan interests.

[As loan interest rates continue to rise, check whether it is possible to exercise the ‘right to request an interest rate reduction’]
-The interest rate is the right to require interest rates based on reasonable evidence if the credit status is improved according to the 200-13 (interest rate reduction) of the Credit Finance Business Act.
-The reasonable basis means that 'income increase', 'rising credit' or 'if you believe that your creditworthiness has increased'.
-As you can use Alda to see if you can ask for a interest rate cut of your loan without having to calculate or consult.

[Deposits and savings that were difficult to compare can now be easily compared]
- You can compare deposit products from various financial companies, from first-tier financial institutions to savings banks and capitals, all at once.
- You can select and view only the deposit products that fit your conditions, including interest rate, payment amount, and subscription period.
- Find and sign up for the type of savings account you want, including regular savings and free savings.

[Meet your own credit management consulting]
- We will easily inform you of your credit score based on Korea Credit Bureau (KCB) credit information.
-Submit non -financial information such as telecommunication fee, health insurance premiums, and proof of income.
- If you are an Alda app user, we provide a customized credit analysis report and credit management consulting for free.

[Security is also strictly maintained]
- When reviewing a loan, we use a one-time security number to protect your contact information.
- All Alda information is safely protected by establishing security policies and infrastructure in accordance with financial laws and regulations.
- All user DBs are encrypted, and access to the DB from outside is blocked at the source. (24-hour control team operated)

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[Who runs Alda?]
-Sun operated by Team Wink.
- Innovation was recognized by winning the grand prize in the PFM category at the 2020 Hankyung Fintech Awards, the grand prize in the 2019 Mobile Brand Asset Management category, and the grand prize in the credit management category at the 2018 App Awards Korea.

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[Notice pursuant to Article 26 of the Financial Consumer Protection Act]
- Team Wink is a loan solicitation corporation (loan solicitor registration number No. 2021-010) that brokers contracts for loan products from various direct sellers of financial products.
* Affiliated financial institutions (in alphabetical order): BNK Capital, BNK Savings Bank, IBK Savings Bank, JB Woori Capital, JT Chinae Savings Bank, KB Kookmin Card, KB Capital, KB Savings Bank, NH Nonghyup Capital, OK Capital, OK Savings Bank , SBI Savings Bank, SC First Bank, Korea Savings Bank, Golden Capital Loan, Gwangju Bank, Daol Savings Bank, Daehan Savings Bank, Daily Funding, Dongwon Jeil Savings Bank, Lotte Capital, Reading Plus Funding, Leadcorp, Baro Credit Loan, Busan Bank, Sangsangin Savings Bank, Seram Savings Bank, Smart Savings Bank, Sunny Capital Loan, Honest Fund, Accuon Savings Bank, Aone Loan Capital, L Harvest Loan, MSI Loan, Yegaram Savings Bank, Yellow Capital Loan, Ocean Funding, Welcome Savings Bank, Woori Finance Capital, Woori Finance Savings Bank, Inseong Savings Bank, Jeonbuk Bank, Jinju Savings Bank, Kiwoom Yes Savings Bank, Taekang Loan, Together Funding, Pepper Savings Bank, Hana Savings Bank, Korea Capital
* The service is provided only for loan products from affiliated financial companies that have entered into a service consignment agreement with the company, and does not cover all loan products from all financial companies.
* Loan conditions: Loan interest rate (minimum 2.39% per year ~ maximum 20.0% per year), loan limit (KRW 1 million ~ KRW 250 million), loan repayment period (minimum 12 months, maximum 96 months)
* Loan repayment example: If you borrow 1 million won with equal repayment of principal and interest over 12 months at an annual interest rate of 6.5%, you will repay 86,296 won per month (80,880 won loan principal, 5,416 won interest). (Total loan cost (repayment) 1,035,557 won, total interest cost 35,557 won)
- Team Wink does not have the authority to conclude a loan contract, and the right to conclude a loan contract through credit screening, etc. belongs to the financial institution that is a direct seller of financial products.
- In relation to the use of this service, consumers may claim damages from financial institutions, which are direct sellers of financial products, and Team Wink, which is a financial product sales broker, pursuant to Articles 44 and 45 of the Financial Consumer Protection Act.
- Team Wink does not receive any financial compensation from consumers in connection with loan contracts or loan execution through this service, and does not receive loan interest or principal repayment on behalf of financial institutions.
- Personal information and credit information entered by consumers to use this service are held and managed by financial institutions that are direct sellers of financial products.

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[Access permission information]
* Alda requests only the necessary permissions to provide safe services.
- select
(1) Phone: Identity verification using mobile phone number
(2) Storage space: Joint certificate login
* Optional permission is required when using certain functions, and you can use the Alda service even if you do not agree to the permission.
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[Customer Inquiry]
[e-mail] (Mon-Fri 10:00-18:00)

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Team Wink Co., Ltd.
11th floor, Dream Plus, 311 Gangnam-daero, Seocho-gu, Seoul

Ratings and reviews

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What's new

여러분의 대출 이자를 줄여 드리기 위해

알다는 정기적으로 앱을 업데이트하고 있어요.

- 카카오 인증서를 추가했어요. 보다 안전하고 간편하게 인증할 수 있어요.
- 알다 서비스를 편리하고 안정하게 이용할 수 있도록 개선했어요.

제안 및 불편 사항이 있다면 언제든지

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