- Benefit
- A mid-rate loan backed by a Seoul Guarantee Insurance guarantee. April 2026 overhaul: the supply requirement was changed to at least 70% to borrowers in the bottom 20-50% in credit, concentrating on mid-credit borrowers; insurance premium rates cut by up to 5.2 percentage points; a new sole-proprietor-only Saitdol (limit raised from KRW 20,000,000 to KRW 30,000,000) created; and providers expanded from banks, mutual finance and savings banks to include card and capital companies. Rates and limits differ by provider.
- Who is eligible
- Mid-credit borrowers in the bottom 20-50% in credit (sole-proprietor-only product is separate)
- When to apply
- Year-round (launch timing varies by provider)
- How to apply
- App or counter at participating banks, savings banks and mutual finance institutions. Compare products on the Financial Consumer Information Portal FINE (fine.fss.or.kr)
- Important notes
- The credit finance sector and sole-proprietor Saitdol are to launch in stages during 2026 (announced by the Financial Services Commission on April 27)
- Note
- Low-credit borrowers in the bottom 20% or lower are classed as targets of policy inclusive finance such as Haessal Loan (햇살론). Check specific rates and limits with each financial company.
Based on official sources as of 2026년 10월. Amounts and requirements may change, so please confirm with the official guide before applying.