✅ 대환대출 비교표 (2025년 기준)
구분 정부지원 대환대출 일반 시중은행 대환대출 2금융권 대환대출 P2P · 핀테크 대환대출
대상자 저신용·저소득자 위주 중신용~고신용자 중신용자 중·저신용자
금리 4~6%대 (변동 가능) 3~6%대 7~20%대 5~18%대
한도 최대 2,000~3,000만 원 최대 5,000만 원 이상 1,000~3,000만 원 500~2,000만 원
상환방식 원리금 균등, 거치 가능 자유로운 설정 가능 원리금 균등 업체별 상이
기간 최대 10년 최대 10~20년 보통 3~5년 1~5년
승인율 심사 까다로움 신용도 따라 다름 비교적 용이 간편하지만 리스크 있음
대표기관 서민금융진흥원, 신복위 국민·신한·하나·우리은행 등 OK저축, SBI 등 토스뱅크, 핀크, 8퍼센트 등

 주요 대환대출 종류 설명
1. 정부지원 대환대출 (서민금융진흥원 · 신용회복위원회)
조건: 연체는 없으나 고금리대출 사용 중인 저소득·저신용자

장점: 이자 지원, 금리 낮음, 장기분할 가능

단점: 심사 까다로움, 서류 많음

2. 시중은행 대환대출
조건: 신용점수 700점 이상 (KCB 기준)

장점: 낮은 금리, 조건 유리

단점: 심사 탈락률 높음, 직장 등 소득증빙 필수

3. 2금융권 대환대출 (저축은행 · 캐피탈)
조건: 중신용자, 다중채무자

장점: 심사 유연, 신청 간편

단점: 금리 높음, 조기상환 수수료 주의

4. 핀테크 · P2P 대환대출
조건: 모바일 신청자, 비교 사이트 활용

장점: 빠른 심사, 플랫폼 다양

단점: 금리 천차만별, 개인정보 보호 유의

 대환대출 플랫폼 추천 (비교하기 편한 곳)
금융감독원 '금융상품 한눈에': https://finlife.fss.or.kr

서민금융진흥원 바꿔드림론: https://www.kinfa.or.kr

핀크 · 토스 · 뱅크샐러드 · 핀다 등 앱 기반 대환대출 비교 서비스

✅ 비교 팁
연 대출금리 1% 차이로도 수십만 원 차이 발생

대환 시 조기상환 수수료 있는지 확인

다중채무자는 신용회복위원회 채무통합도 고려

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