차카자 - ChaCarJa

‘Chakaja’ is a car loan brokerage service app. This is a professional service that helps customers find reasonable and flexible loan products by providing their own cars as collateral and connecting them with reliable financial institutions such as Deutsche Financial.

Chakaja recommends customized car title loan products optimized for customers and provides a fast and safe loan process. This allows customers to secure financing at lower interest rates and higher loan limits, regardless of credit score or loan limit.

In addition, Chakaja helps customers obtain loans easily and safely by providing transparent information about loan products and a simple application process. We provide a more reliable financial experience through customized loan brokerage services.


● Characteristics of Chakaja

• Professional loan brokerage services
It is operated by Morning Sun Partners and is a loan brokerage service that connects you with trustworthy financial companies such as Deutsche Financial.

• Recommend customized loan products
We provide the optimal loan product suited to the customer's situation and present various conditions to help customers make a choice.

• Fast and easy loan process
You can easily apply for a loan through the app, and the process for loan approval is streamlined and fast.

• Low interest rates and high loan limits.
Even if you have a low credit score, you can use your car as collateral to get financing at competitive interest rates and high loan limits.

• Non-face-to-face document issuance and submission
Documents requested by financial companies can be issued and submitted non-face-to-face through simple authentication, making the loan application process more convenient and faster.

• AI chatbot and agent support
Loan counseling is provided in real time through AI chatbots and chat services from professional counselors. Customers can quickly get the information and help they need, alleviating their anxiety about the loan process and receiving more efficient counseling.

● Notice of required access rights
• To prevent electronic financial transaction accidents, only items that may pose a threat among apps installed on the terminal are collected.
• Camera: Take a picture of your ID card and submit documents when applying for a loan
• Notification: Push notification
• Telephone: Consultation connection and identity verification, device verification

● Notes for financial consumers
• If the loan amount is excessive compared to your ability to repay, your personal credit score may drop, and a drop in your personal credit score may result in disadvantages related to financial transactions.
• If the principal and interest to be paid over a certain period of time are overdue, an obligation may arise to repay all the principal and interest before the contract expiration date.
• Loans may be restricted for those with delinquent loans or unsound loans.
• General financial consumers have the right to receive a sufficient explanation from Lendit, and must read the product description and terms and conditions before concluding a loan contract.

● Financial information
• Shortest/longest repayment period: The repayment period for products advertised on this site is a minimum of 12 months and a maximum of 120 months.
• Maximum Annual Percentage Rate (APR): Loan interest rate within 20% per annum.
• Example of total loan cost including principal and all related fees: Interest charged on the contract date each month. If the principal and interest are repaid 1 million won in equal amounts over 12 months at 20% per annum, the total payment amount is 1,111,662 won. If the principal and interest to be paid over a certain period of time is overdue, there may be an obligation to repay all the principal and interest before the contract expiration date.

Personal Information Infringement Reporting Center (https://privacy.kisa.or.kr, 118 without area code)
Supreme Prosecutors' Office Cyber ​​Investigation Division (https://spo.go.kr, 1301 without area code)
National Police Agency Cyber ​​Safety Bureau (https://ecrm.cyber.go.kr, 182 without area code)
Personal Information Dispute Mediation Committee (https://www.kopico.go.kr, 1833-6972 without area code)

● Customer Center
• Phone: 02-2039-7970 (Weekdays 10:00 to 18:00)
• Privacy Policy: https://chacarja.com/privacy