◎ Service information
■ Credit loan with one app
• Search for the optimal limit and interest rate for you without entering complex information
• OK from the app to loan application, ID and document submission
■ If you have a credit loan from Lotte Capital, additional loans
• Additional loans are available for customers using existing Lotte Capital credit loans
• Check the additional limit and interest rate and deposit immediately upon completion of the application
■ When you need a car
• Easily inquire vehicle quotes and apply for car installments and leases
• Easily and safely transmit various documents required for car installment and leasing
■ Easy to manage my loan
• Check your loan history at once and repay immediately
• Secure and easy storage of loan-related documents issuance
■ Ease of use
• Easy-to-understand user-friendly screen and design system
• Provides a variety of home screens tailored to the user's situation
[Information Use]
A joint certificate is required to use various transaction services such as new loans and withdrawals and transfers, and you can use the joint certificate stored on your PC by bringing it to your smartphone.
※ How to import from PC PC homepage (Joint Certification Center > Export Joint Certificate > Copy Joint Certificate > Select Lotte Capital Mobile Banking App > Joint Authentication Center > Import Joint Certificate)
[Precautions for use]
Please note that additional charges may occur depending on the data plan you have subscribed to when using the service through a mobile communication network (3G/LTE/5G).
For other service usage guidance and inquiries, please contact ‘Customer Center > ARS Service’.
[App Access Permission Guide]
※ Required access rights
• Phone: ARS authentication
• SMS: Sending a text message for authentication
• Camera: Take ID when applying for a loan
• Storage: Temporarily save and delete ID photos
※ Optional access rights
• Location: Taking photos for inspection of leased items
(You can use the app even if you do not agree to the optional permission.)
[Loan related information]
• Loan repayment period: 12 to 120 months
• Annual interest rate: 5.4%~18.9%
※ Depending on the product and personal credit rating, etc., the contract rate +3% delinquency rate is applied in case of delinquency (however, within the legal maximum interest rate)
• Early redemption fee: up to 2.0%
※ Early repayment fee is waived for transactions over 3 years from the date of loan handling
• Handling fee: none
• Stamp tax: Statutory stamp tax of KRW 70,000 (customer contribution of KRW 35,000) when the loan amount exceeds KRW 50 million
■ Credit loan with one app
• Search for the optimal limit and interest rate for you without entering complex information
• OK from the app to loan application, ID and document submission
■ If you have a credit loan from Lotte Capital, additional loans
• Additional loans are available for customers using existing Lotte Capital credit loans
• Check the additional limit and interest rate and deposit immediately upon completion of the application
■ When you need a car
• Easily inquire vehicle quotes and apply for car installments and leases
• Easily and safely transmit various documents required for car installment and leasing
■ Easy to manage my loan
• Check your loan history at once and repay immediately
• Secure and easy storage of loan-related documents issuance
■ Ease of use
• Easy-to-understand user-friendly screen and design system
• Provides a variety of home screens tailored to the user's situation
[Information Use]
A joint certificate is required to use various transaction services such as new loans and withdrawals and transfers, and you can use the joint certificate stored on your PC by bringing it to your smartphone.
※ How to import from PC PC homepage (Joint Certification Center > Export Joint Certificate > Copy Joint Certificate > Select Lotte Capital Mobile Banking App > Joint Authentication Center > Import Joint Certificate)
[Precautions for use]
Please note that additional charges may occur depending on the data plan you have subscribed to when using the service through a mobile communication network (3G/LTE/5G).
For other service usage guidance and inquiries, please contact ‘Customer Center > ARS Service’.
[App Access Permission Guide]
※ Required access rights
• Phone: ARS authentication
• SMS: Sending a text message for authentication
• Camera: Take ID when applying for a loan
• Storage: Temporarily save and delete ID photos
※ Optional access rights
• Location: Taking photos for inspection of leased items
(You can use the app even if you do not agree to the optional permission.)
[Loan related information]
• Loan repayment period: 12 to 120 months
• Annual interest rate: 5.4%~18.9%
※ Depending on the product and personal credit rating, etc., the contract rate +3% delinquency rate is applied in case of delinquency (however, within the legal maximum interest rate)
• Early redemption fee: up to 2.0%
※ Early repayment fee is waived for transactions over 3 years from the date of loan handling
• Handling fee: none
• Stamp tax: Statutory stamp tax of KRW 70,000 (customer contribution of KRW 35,000) when the loan amount exceeds KRW 50 million
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