무카드 is a finance app developed by 아프로파이낸셜대부, available on Android devices. It offers a range of services including loan applications (mobile loans, additional/renewal loans, loan brokerage, extension of maturity), electronic contracts (creating electronic contracts via universal public certificates), information inquiries (loan information, transaction history, payment information, certificate issuance, checking loan eligibility amount, etc.), payments (instant payments, automatic transfer application/change/cancellation), R points (point registration, point accumulation games_runningmu, point mall, point usage, point cancellation, point accumulation and usage history inquiries), customer center (authentication center, announcements, customer support, frequently asked questions, customer feedback, loan guides), and company introduction (CEO greetings, brand introduction, history, ethical management, social contributions, recruitment, directions, business partnerships/proposals).

The app provides differentiated services allowing loan applications, contract drafting, information inquiries, and payments without the need for direct communication with a consultant. Users can access services through non-member login (excluding certain services). Additionally, new authentication methods have been added (public certificates, credit cards, mobile phones for identity verification services).