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KakaoBank Overdraft Loan Rates and credit limits
at preferential terms

상품 소개

Use only when you need to, pay interest only on the amount used

Interest is charged only on the amount used each day.
Take out an overdraft only when you need to, and conveniently reduce the interest burden by depositing the money back at any time.

Anyone who has a full-time job, receive loans
up to 200,000,000 won

Loans for customers who have been working for more than 1 year.
Loans up to 200,000,000 won according to credit score and income level.

If you have a full-
time job
KRW 200 million Up to KRW 200

No complicated form
Right on your smartphone

There's no need to visit a bank branch or submit complicated forms.
Conveniently replace document submission with certificates.

Loan Procedure Guide
  • 1Step
    View your credit limit/interest rate

    Access your actual credit limit and interest rate.

  • 2Step
    Confirm your employment/income level information

    If you have a certificate on your smartphone or PC,
    documents are submitted just by entering your authentication password.

  • 3Step
    Complete your mobile loan contract

    Confirm the loan amount and other details and then fill in the application form.

  • 4Step
    Loan executed

    The loan is processed right away once the contract is filled in.