Around 2 out of 3 customers who switched to KPL credit loans saw their credit scores rise.

PFCT, which operates KPL, said on Wednesday it analysed changes in KCB credit scores for 232 customers who refinanced into KPL credit loans from May 2025 to May 2026 and found 154 saw their scores increase.

That accounted for 66.4 percent of all refinancing customers. The 154 customers who saw increases recorded an average gain of 35.4 points. The biggest increase was 153 points and the smallest was 1 point. By contrast, the 78 customers whose scores fell posted an average decline of 19.3 points.

KPL explained that factors such as lower interest rates and reduced monthly repayment burdens may have affected the score changes.

Among customers whose credit scores rose by at least 35 points, the existing loans they switched from numbered up to 4. Their average loan amount before refinancing was 39 million won.

Over the same period, KPL users' average interest rate for all credit loans, including refinancing loans, was 11 percent a year, and the average loan amount was 17.47 million won. Of all transactions handled, 31.2 percent were issued at interest rates of 10 percent a year or less.

KPL said it has been expanding the supply of mid-rate credit loans for borrowers with low to mid credit since savings banks began making linked investments in the online investment-linked finance sector at the end of May last year. The company said refinancing loans aimed at switching from existing loans account for 2.3 percent of all credit loan transactions.

PFCT executive director Kun-woo Baek (백건우) said, "It has been confirmed that customers using high-interest loans from non-bank financial institutions can reduce their interest burden and even manage their credit scores simply by switching to KPL credit loans."