JB우리캐피탈 다이렉트

The newly reorganized JB Woori Capital financial service provides an easier and more convenient loan screen with a mobile-specific UI/UX.Use JB Woori Capital Directs personal loan, new car purchase (rental car/auto lease/new car loan), and used car purchase loan products.
☞ Try JB Woori Capital Directs personal loans, new car products (long-term rental car/auto lease/auto loan), and used car purchase loan (auto loan) products.■ Financial services available 365 days a year on mobile
☞ ■ Financial services available 365 days a year on mobile■ Use convenient and various authentication methods to log in and quickly approve loans.■ Credit loan / comprehensive vehicle comparison / vehicle rental and auto leasing, etc., all at once on mobile
☞ ■ Credit Loan / Wide Vehicle Comparison / Long-term Rental Car, Auto Lease, Auto Loan, etc.
All products are solved at once on mobile■ Provided service ● Personal Loan: Customers who need quick loan approval - credit loan - car mortgage loan ● Car Finance: Customers considering buying a new/used car
☞ ● Car finance: Customers considering buying a new car product/used car - Long-term rental car - auto lease - New car auto loan - Used car auto loan※ Some products and services may be restricted in accordance with our internal standards.[Guidance on App Access Permissions]※ Required access rights• Media: Take a picture of your ID when applying for a loan• Save: Temporarily save and delete ID photos• SMS: Send identity verification text message※ Optional access rights• Notification Service (PUSH): Provision of notifications such as information, benefits, and events(You can use the app even if you do not agree to the optional permission.)[Loan related information]• Loan repayment period: 12 to 60 months• Annual interest rate: 12% to 19.9% ​​(interest rates are applied differently depending on the customers credit score, etc.)• Overdue interest rate: contracted interest rate + up to 3% (but within the legal maximum rate)• Early redemption fee: up to 2.0%※ In case of violation of the maximum interest rate limit under the Loan Business Act, the prepayment fee is deducted and not collected.※ Early redemption fee waived for transactions over 3 years from the date of loan handling• Handling Fee: None• Stamp tax: stamp tax burden when applying for a loan exceeding 50 million won (50% of the amount stipulated by the Stamp Tax Act)[Representative example of loan cost]• Loan repayment period: 36 months• Loan amount: KRW 10,000,000 (KRW 10 million)• Loan interest rate: 12%※ Monthly payment: KRW 332,143 Loan principal: KRW 10,000,000 / Loan interest: KRW 1,957,152 Total repayment amount: KRW 11,957,152