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Sunshine Loan Card (Credit Card Guarantee for Low-Credit Borrowers) (햇살론카드): How to Apply, Amount & Eligibility (2026)

Guarantee for issuing credit cards to low-credit borrowers in the bottom 20% of credit (limit KRW 2,000,000, KRW 3,000,000 with faithful use)

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: Eligible: annual disposable income of KRW 6,000,000 or more, credit score in the bottom 20% (KCB 700 or below or NICE 749 or below, as of Apr 1, 2026), and completion of the 3 mandatory Sunshine Loan Card courses. Guarantee limit up to KRW 2,000,000 for new applicants (KRW 3,000,000 with faithful use); the card usage limit is the guarantee limit minus KRW 200,000. Guarantee period up to 5 years. Handling card companies: Lotte, Hyundai, Kookmin, Samsung, Shinhan, Woori and Hana. Card loans, installments (up to 6 months limit) and some business categories are restricted.
Who is eligible: Low-credit borrowers in the bottom 20% of credit with disposable income of KRW 6,000,000 or more
When to apply: Year-round
How to apply: Apply for the guarantee on the Korea Inclusive Finance Agency app; after completing the mandatory education on the education portal (edu.kinfa.or.kr), apply to a card company
Important notes: Contract not possible without completing education. Guarantee and card reviews may reject you
Note: Only one card per person. If you do not repay normally, the Korea Inclusive Finance Agency repays on your behalf and exercises the right of reimbursement. Re-application is possible 60 days after cancellation.

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

Sunshine Loan Card (Credit Card Guarantee for Low-Credit Borrowers) (햇살론카드): who can receive it?

Low-credit borrowers in the bottom 20% of credit with disposable income of KRW 6,000,000 or more

Sunshine Loan Card (Credit Card Guarantee for Low-Credit Borrowers) (햇살론카드): how do I apply?

Apply for the guarantee on the Korea Inclusive Finance Agency app; after completing the mandatory education on the education portal (edu.kinfa.or.kr), apply to a card company

Sunshine Loan Card (Credit Card Guarantee for Low-Credit Borrowers) (햇살론카드): how much will I receive?

Eligible: annual disposable income of KRW 6,000,000 or more, credit score in the bottom 20% (KCB 700 or below or NICE 749 or below, as of Apr 1, 2026), and completion of the 3 mandatory Sunshine Loan Card courses. Guarantee limit up to KRW 2,000,000 for new applicants (KRW 3,000,000 with faithful use); the card usage limit is the guarantee limit minus KRW 200,000. Guarantee period up to 5 years. Handling card companies: Lotte, Hyundai, Kookmin, Samsung, Shinhan, Woori and Hana. Card loans, installments (up to 6 months limit) and some business categories are restricted.

Sunshine Loan Card (Credit Card Guarantee for Low-Credit Borrowers) (햇살론카드): when can I apply?

Year-round