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KakaoBank Overdraft Loan

Rates and credit limits
at preferential terms

Use only when you need and
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 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 240 million won

Loans for customers who have been working for more than 1 year. Loans up to 240 million won according to credit score and income level.

  • If you have a
    full-time job
  • KRW 240 millionUp to KRW 240

No complicated form submission;
Right on your smartphone

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

  1. 1


    View your credit limit/interest rate

    Access your actual credit limit and interest rate.

  2. 2


    Confirm your employment/
    income level information

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

  3. 3


    Complete your mobile loan contract

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

  4. 4


    Loan executed

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