OK캐피탈

Description

Everything from limit inquiries to loan remittances is easy.

■ Main Services
1. Loan Center
- New loans, additional/re-loans
2. Loan Information Inquiry
- Loan progress status, loan usage history, refund inquiry
3. Loan Management
- Electronic contracts, automatic transfer management, debt adjustment applications, Kakao Pay easy remittance, immediate repayment, certificate issuance, online document submission
4. Membership Services
- Membership registration, My OK Points, membership management
5. Customer Center
- Authentication Center, Announcements/News, Events, Financial Fraud Alert, What are your questions?, Customer Verification Obligation, Loan Guide,
App Version Management, Customer Feedback, Privacy Policy
6. Company Introduction
- Management Philosophy, Ethical Management, CEO Message, History, Social Contribution, Business Areas, Branch Information

■ Loan Information
- Loan Repayment Period: 12 to 60 months
- Loan Interest Rate: 14.9% to 19.9% ​​per annum
- Default Interest Rate: Contracted Interest Rate + 3% per annum (subject to the maximum legal interest rate) (within 3 years)
- Early repayment fee: 0-1% (waived after 3 years)
- Interest payment method: Monthly arrears
- Loan fees: None
- Stamp duty: For loans exceeding 50 million won, stamp duty is charged at a rate based on the loan amount (50% each to the customer and the company)
- Example loan fee: Loan amount: 10,000,000 won, loan term: 60 months, interest rate: 14.9%, payment amount based on equal principal and interest installments
→ Total repayment amount: 14,242,483 won (Loan principal: 10,000,000 won, interest: 4,242,483 won)

■ Required access permissions
- Phone access permission: Used to maintain device authentication status.

■ Optional access permissions
- Camera: Used to take an ID photo for non-face-to-face authentication and submit required documents.
※ While you can still use the app even if you decline optional permissions, some services may be restricted.

■ Note
- App use is restricted on rooted devices.
- Data charges may apply when downloading or using the service over 3G/LTE/5G networks.

■ Compliance Officer Review Required: No. 2026-C4h-00004 (January 9, 2026 - January 8, 2027)