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Fast-Track Debt Restructuring and Pre-Workout (신속채무조정·사전채무조정, 프리워크아웃): How to Apply, Amount & Eligibility (2026)

Overdue 30 days or less / 31-89 days: interest rate cut by 30-50% / 30-70%, overdue interest waived, installment repayment up to 10 years

This page is a translation of the Korean original and is for reference only. The official Korean guidance is the authoritative source for amounts and conditions, so be sure to confirm on the official website before applying. View Korean original (한국어)

Benefit: Fast-track debt restructuring: overdue 30 days or less (or before becoming overdue in cases such as job loss, business closure, hospitalization of 90+ days or being in the bottom 10% in credit), contract interest rate reduced by 30-50% (maximum 15%, minimum 3.25%), up to 10 years, repayment deferral up to 3 years. Pre-workout (프리워크아웃): overdue 31-89 days, interest rate reduced by 30-70% (maximum 8%, minimum 3.25%), up to 10 years. Common conditions: total debt of KRW 1.5 billion or less (unsecured KRW 500 million, secured KRW 1 billion), collection stops immediately upon application, overdue interest fully waived.
Who is eligible: Debtors overdue 89 days or less to creditor financial institutions (before overdue if conditions are met) with total debt of KRW 1.5 billion or less
When to apply: Year-round (phone reservations on weekdays, 9:00-18:00)
How to apply: Credit Counseling and Recovery Service (신용회복위원회) 1375; book a consultation via app or internet, or visit a branch (ccrs.or.kr)
Important notes: If overdue 90 days or more, you are moved to the personal workout
Note: Debt incurred in the last 6 months must be less than 30% of total principal debt. Fast-track and pre-workout are not registered as public records (1101) at the Korea Credit Information Services. Check separately for any application fee.

Go to the official guide →

Based on official sources as of 2026년 10월. Amounts and requirements may change, so please confirm with the official guide before applying.

Frequently asked questions

Fast-Track Debt Restructuring and Pre-Workout (신속채무조정·사전채무조정, 프리워크아웃): who can receive it?

Debtors overdue 89 days or less to creditor financial institutions (before overdue if conditions are met) with total debt of KRW 1.5 billion or less

Fast-Track Debt Restructuring and Pre-Workout (신속채무조정·사전채무조정, 프리워크아웃): how do I apply?

Credit Counseling and Recovery Service (신용회복위원회) 1375; book a consultation via app or internet, or visit a branch (ccrs.or.kr)

Fast-Track Debt Restructuring and Pre-Workout (신속채무조정·사전채무조정, 프리워크아웃): how much will I receive?

Fast-track debt restructuring: overdue 30 days or less (or before becoming overdue in cases such as job loss, business closure, hospitalization of 90+ days or being in the bottom 10% in credit), contract interest rate reduced by 30-50% (maximum 15%, minimum 3.25%), up to 10 years, repayment deferral up to 3 years. Pre-workout (프리워크아웃): overdue 31-89 days, interest rate reduced by 30-70% (maximum 8%, minimum 3.25%), up to 10 years. Common conditions: total debt of KRW 1.5 billion or less (unsecured KRW 500 million, secured KRW 1 billion), collection stops immediately upon application, overdue interest fully waived.

Fast-Track Debt Restructuring and Pre-Workout (신속채무조정·사전채무조정, 프리워크아웃): when can I apply?

Year-round (phone reservations on weekdays, 9:00-18:00)