- Benefit
- Living fund for the financially vulnerable: among Miso Finance eligible borrowers (bottom 20% in credit, basic livelihood recipients, near-poverty group, Earned Income Tax Credit eligible), those who fully repaid the Illegal Private Lending Prevention Loan, faithful Miso Finance repayers, people with social consideration, and specially vulnerable groups (residents of special disaster zones and victims of jeonse fraud, illegal private lending or voice phishing). Up to KRW 5,000,000, within 4.5% per year, up to 6 years. Youth Mirae-Ieum Loan: ages 19-34, unemployed or within 1 year of getting a job or starting a business, up to KRW 5,000,000, within 4.5%, up to 11 years (6-year grace period). Education expense support loan up to KRW 5,000,000.
- Who is eligible
- Miso Finance eligible borrowers who meet the additional requirements (Youth Mirae-Ieum: ages 19-34)
- When to apply
- Year-round
- How to apply
- Visit a Miso Finance branch nationwide, book a consultation on the Inclusive Finance Itda (서민금융 잇다) app, or call 1397
- Important notes
- Depends on the result of the credit review
- Note
- People in the bottom 50% or lower in credit with annual income of KRW 35,000,000 or less can also use it (living fund). Those with public records can qualify after meeting certain faithful-repayment conditions. Final credit review is required.
Based on official sources as of 2026년 10월. Amounts and requirements may change, so please confirm with the official guide before applying.