Hello! This is your wallet guardian. The new year of 2026 has arrived, and it's already February. With the recent changes in the base interest rate, banks are ‘Attracting customers’ As competition gets fiercer, if you look carefully, 3~4% (based on excellent credit rating) You can find attractive products.
Today, it is possible to do it immediately on mobile without complicated paperwork, and it is also stable. Tier 1 financial sector Among the products ‘Interest rates and convenience‘We'll list down three places where you can catch them all.
⚠️ Wait! Essential checks before borrowing
All the products we are introducing now First-tier financial sectorBefore moving to the second financial sector (capital, savings bank), you must check with the three places below. ‘Limit Inquiry’ Try it first. Your credit score won't drop just because you have a history of inquiries.
1. Kakao Bank's 'Credit Loan' (No. 1 in terms of popularity)
It is the safest and strongest candidate in terms of accessibility and average interest rates.
- characteristic: The biggest advantage is that it offers low interest rates without complex preferential interest rate requirements (card performance, salary transfers, etc.). For salaried workers, health insurance premium payment history is automatically scraped, so your limit is calculated without any documentation.
- Expected limit: Up to 300 million won
- Recommended for: An office worker who hates complicated things and wants to manage things easily with KakaoTalk.
- Editor's Tip: ‘'Overdraft Account'’ Method and ‘'Construction-specific loan'’ You can choose between them, but if you plan to split the funds, an overdraft account is advantageous for saving interest.
2. K Bank's 'Credit Loan Plus' (Interest Rate Attacker)
This is where the aggressive interest rate cut policy has been implemented since 2026.
- characteristic: All commercial banks ‘'Lowest interest rates'’ This is a place where titles are often taken. In particular, the "Credit Loan Plus" product embraces even those with low to mid-credit scores while offering the benefits of a first-tier financial institution.
- Expected limit: Up to 300 million won (varies depending on individual credit rating)
- Recommended for: Those who need to save even at an interest rate of 0.1%, and those who are disappointed with their limit at other banks.
- Editor's Tip: ‘Interest Cashback’ We hold events frequently, so be sure to check the in-app announcements.
3. Hana Bank's 'Hana One Q Credit Loan' (traditional powerhouse)
If you're unsure about online banking, we recommend Hana Bank, which has the lightest app and fastest approval among commercial banks.
- characteristic: We boast speeds comparable to those of online banking (like a 3-minute cup ramen loan). Even if your primary bank isn't Hana Bank, simply registering for open banking often offers preferential interest rates.
- Expected limit: Up to 220 million to 300 million won
- Recommended for: Those who prefer the brands of the four major commercial banks (Kookmin/Shinhan/Hana/Woori) over internet banking.
💡 The most reliable way: Compare with your own eyes at the 'Federation of Banks'
The blog information is for reference only, and there is no interest rate that is perfect for my credit score. You should check it today to be sure.
Certain loan comparison apps (Toss, Finda, etc.) are good, but there are also some that don't have fees. The most objective interest rate comparisonBanks are required to disclose interest rates [Korea Federation of Banks Consumer Portal] It is standard to check in .
Here you can check which bank has the lowest average interest rate as of the previous month and open the app for that bank. ‘A shortcut to escaping being a suckerno see.
👇 Compare the latest interest rates from various financial institutions at a glance. (Linked to the official consumer portal of the Korea Federation of Banks)
🏦 Check the official interest rate comparison of the Korea Federation of Banks
※ You can most accurately check the actual average interest rate handled in the previous month.