크플-대한민국 1위 온투금융(투자, 대출) 앱

Description

[#1 Online Finance (Loan-Investment) App in Korea*]
- Generous loan limit - 10%** interest income for investment
- Cumulative loan/investment linked amount exceeds 2.4 trillion won
- No. 1 online investment-linked finance company with 10 years of experience
- Cumulative number of subscribers 1 million

*Based on the loan balance of the Central Record Management Agency of the Online Investment-Linked Finance Industry as of April 2025
**Average yield: 2016.05.26 ~ 2024.05.31, yield that does not consider platform usage fees, taxes, and possibility of default, same as the linked loan interest rate

■ High loan limit, low interest rate
- There is a K-Flex housing mortgage loan that can be applied for in a second mortgage
- There is also a K-Flex credit loan that can be easily applied for through a non-face-to-face process

■ Earn easily and reliably with an annual 10%* investment
- You can invest from 5,000 won
- You can receive interest every month
- Various investor safety devices There are
- There are various investment products such as apartment investment, ultra-short-term investment, and securities investment

*Average rate of return: 2016.05.26 ~ 2024.05.31, rate of return that does not consider platform usage fees, taxes, and possibility of default, same as the linked loan interest rate

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[Things to note about linked investment]
- Please read the financial product description and terms and conditions before signing a financial product contract.
- The platform usage fee (commission) for this product is up to 1.2%, and is deducted from the investor settlement amount when repaying each principal and interest.
- This linked investment product is not protected by the Korea Deposit Insurance Corporation under the Depositor Protection Act, and the investor is responsible for the loss of principal.
- The amount of loss due to loan delinquency or default varies depending on the results of bond sale and collection, and the maximum loss amount can be the entire principal of the bond investment.
- You can withdraw your investment before the completion of the investment fund collection. (Withdrawal restricted until the repayment/settlement of the product is completed after the recruitment is completed)
- We have a duty to fully explain this linked investment product, and investors are requested to fully understand the product screen and public information before making an investment decision.
- Past performance does not guarantee future returns.
- Complaints related to Cple's business activities can be filed with the representative email ([email protected]) or customer center (1600-9613), and the company has a duty to faithfully respond and take necessary measures. If you wish to mediate a dispute, you can apply for mediation with the Financial Supervisory Service.
- This advertisement complies with the relevant laws and internal control standards.

■ Personal Credit Loan Information Loan limit: Minimum 5 million won ~ Maximum 30 million won, Loan period: Minimum 12 months ~ Maximum 60 months, Integrated interest rate range: Minimum 11.5% ~ Maximum 19.65%, Loan repayment amount example: When borrowing 1 million won at an annual interest rate of 5% for 12 months with equal principal and interest repayment, the total loan cost: 1,027,230 won (monthly payment: 85,607 won) is repaid

※ These loan terms are as of May 7, 2025 and may change without prior notice.

[Linked loan notes]
- Please read the product description and terms and conditions before signing a financial product contract.
- The loan interest rate is determined by comprehensively considering the investor's return and preferential interest rate based on transaction performance, credit cost, etc. - The loan will be executed only after the investment fund is raised, and the expected loan execution date is within 30 days from the start of the investment fund raising. If the investment fund is not raised during the period and the company and the borrower do not make a separate agreement, the loan contract will be terminated.
- In order to apply for and review a loan, consent to credit information inquiry and scraping for income and employment verification are required.
- If there are changes in collateral or credit information while the loan is being raised from the investor, the loan may be rejected.
- Loans may be restricted based on the screening criteria set by our company.
- If the principal and interest are not repaid at the specified time, you may be obligated to repay the entire remaining principal and interest before maturity, and you may be subject to disadvantages such as registration as a credit information management target.
- The loan limit and interest rate are determined through our company's screening procedure, and the above loan conditions may change depending on our circumstances.
- Think about whether it is really necessary before receiving a loan. - Your personal credit score may drop when using a loan product, which may restrict your financial transactions.
- We have a duty to fully explain this linked loan product, and borrowers are requested to fully understand the product screen and public information before making a loan decision.
- Complaints related to our business practices can be filed with the representative email ([email protected]) or customer center (1600-9613), and the company is obligated to respond faithfully and take necessary measures. If you wish to mediate a dispute, you can apply for mediation with the Financial Supervisory Service.
- This advertisement complies with the procedures according to relevant laws and internal control standards.

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■ Who operates Cple?
Cple is operated by 'PFC Technologies'. It is a 10-year-old startup established in 2015, and has over 120 employees.
PFC Technologies aims to realize 'uncommon finance for ordinary people'. We are introducing the 'Cple' platform to break down the wall of high-interest loans through technology and to provide investment opportunities with good returns to everyone.

■ Customer Center
- Email inquiries: [email protected]
- KakaoTalk inquiries: @cple

■ Essential access rights
- The Cple app collects/uses/shares information on installed apps on smartphone devices to prevent electronic financial transaction accidents such as voice phishing and malicious apps. (Restricting Cple app use when detecting apps requiring caution)
- This service does not collect sensitive information that may infringe on the privacy of customers in principle, and when necessary, collects it with separate consent from the customer and uses it only for the purpose of consent.

※ Essential access rights are absolutely necessary for using Cple, and if not allowed, use of the service will be restricted.

■ Optional access rights
- System notification: Used to notify service information and advertising information
- Phone: Used to identify telecommunications companies for non-face-to-face document submission
- Camera: Used for non-face-to-face real-name authentication and submission of required documents
- Storage space: Used to inspect captured screens for the purpose of preventing fraudulent transactions
- Advertising ID: Used to identify user data for customer consultation and error prevention
- Physical activity: Measure steps in the pedometer service

※ You can use the service even if you do not agree to allow optional access rights, but there may be restrictions on the use of some necessary functions.

PFC Technologies
35, Seocho-daero 50-gil, Seocho-gu, Seoul, 3-7F (Seocho-dong, Geunjeong Building)
Compliance Monitor Review No. 8166 (25.06.05.6 months)