First unsecured loan product launched following a strategic partnership in November for young professionals
Available for employees with 1 to 12 months of work experience, offering up to ₩45 million in loans

Viva Republica, the operator of the financial super app "Toss," announced that it has launched the “Rookie Unsecured Loan” product in collaboration with BNK Kyongnam Bank targeted to young professionals.

Toss and BNK Kyongnam Bank signed a business agreement in November to introduce credit loan products for early-career individuals. After approximately 3 months of collaboration, the two companies launched the loan product.
The “Rookie Unsecured Loan” is an exclusive product available only through Toss. It is designed for salaried workers and civil servants with work experience between 1 and 12 months. Eligible applicants must be between 18 and 59, with an annual salary of ₩25 million and under. Users can borrow up to ₩45 million. The product lowers eligibility barriers by easing work experience and income requirements, making it accessible to those who have recently entered the workforce.
This loan also accommodates thin-filers by utilizing Toss Score, an alternative credit assessment model developed by Toss. Toss Score enables precise risk evaluation by analyzing factors such as consumers’ assets and financial habits, even for individuals with limited financial history. Additionally, applicants can easily apply entirely online for the loan through the Toss app without installing a separate app or signing up for a separate account, maximizing convenience for customers.
To apply for the “Rookie Unsecured Loan,” users can navigate to the Toss app > Get Loan > Check your unsecured loan limit.
“With our experience and expertise in developing credit loan products for thin-filers through partnerships with various financial institutions, we are pleased to introduce the “Rookie Unsecured Loan” in collaboration with BNK Kyongnam Bank,” a Toss representative said. “We hope this product provides meaningful financial support to early-career professionals, helping them gain financial stability.”


First unsecured loan product launched following a strategic partnership in November for young professionals
Available for employees with 1 to 12 months of work experience, offering

# BNK Kyongnam Bank

Toss and BNK Kyongnam Launch “Rookie Unsecured Loan”