저신용자 저소득자 햇살론 is a financial application designed for low-income individuals and borrowers with poor credit ratings. It provides access to joint brand loans specifically tailored for those suffering from excessive debt. The program targets individuals with credit scores ranging from 1 to 7, as well as self-employed and wage workers earning below 35 million KRW annually. Users can apply for living expenses up to 15 million KRW or debt consolidation loans up to 30 million KRW, with the option to pursue both products simultaneously.

The loan terms include a repayment period of at least 12 months, with a maximum annual interest rate of 24%. For example, borrowing 1 million KRW at 24% interest over 12 months would result in a total repayment of 1,134,715 KRW. The application offers loans with interest rates ranging from 5.8% to 10.6%, with no additional fees, although guarantee insurance fees may apply depending on the loan duration. Borrowers must meet specific eligibility criteria, including a minimum employment duration of three months and must not have recent defaults or overdue payments.