- Benefit
- Eligible: those who have been faithfully repaying for 6 months or more after confirmation of debt restructuring by the Credit Counseling and Recovery Service, court personal rehabilitation, the New Start Fund (새출발기금) or creditor financial institution debt restructuring under the Individual Debtor Protection Act (including those within 3 years of full repayment). Guaranteed by the Credit Counseling and Recovery Service on commission, limit up to KRW 15,000,000, interest within 4.0% per year, up to 5 years of equal principal-and-interest installments, guarantee fee borne by the committee (within 0.5% per year). The 2026 overhaul of policy inclusive finance aims to expand the scale of 3-4% small loans by more than 3 times.
- Who is eligible
- Those who have faithfully repaid for 6 months or more after debt restructuring was confirmed
- When to apply
- Year-round
- How to apply
- Credit Counseling and Recovery Service (신용회복위원회) 1600-5500; apply for the small loan via app or internet
- Important notes
- Apply within 3 years of full repayment
- Note
- May be rejected depending on internal credit evaluation and ability to repay. Faithful repayers of restructured debt get preferential treatment when using products such as Haessal Loan Youth (햇살론유스).
Based on official sources as of 2026년 10월. Amounts and requirements may change, so please confirm with the official guide before applying.