All language subtitles for One.Line.2017.KOREAN.PROPER.WEBRip.x264-VXT

NEXT ENTERTAINMENT WORLD presents

a MIIN PICTURES
and KWAK PICTURES production

EXECUTIVE PRODUCER
KIM Woo-taek

PRODUCER
KWAK Joong-hoon

October, 2005
Seoul

Instant Loan

Lee Min-jae

Hello?

Where are you?

Where are you?
Which alley?

Find a landmark
and tell me.

Are you really nearby?

In the market?

Listen...

Hand...

Raise your hand.

ONE-LINE

Got a client.

26 years old...

Used up all college loan,
credit rating grade 3.

A youth entrepreneur?

Good vibe, eh?

Naïve, yet hip.

Clear eyes,

and sharp in all
the right places.

My credit was maxed out,
but is it possib...

But you'll still get a loan.

Who'll help? Me.

That's my job.

Company name is JS,
field is fashion.

Let's go for secured loan.

Good, navy fits your face.

Go with a white shirt.

White shirts are
crucial in the US.

You are now an employee
of JS Textile.

Your greatest asset
is your face,

so only go to
a female clerk.

Okay?

You applied for
EZ Loan $30,000?

You work at... JS Textile.

May I make a verification call?

Hello, this is JS Textile.

Does Mr. Lee Min-jae
work there?

He's in a designer meeting,
could I take a message?

It's not urgent,
I'll call back later.

Thank you.

It's part of our protocol,
sorry about that.

Of course you should.

By the way,
you're beautiful.

Pardon?

Not really.

Since I work in fashion industry,

my sense of beauty
is quite good.

Proportion is
the definition of beauty,

one second...

Perfect.

You should thank your parents.

One moment, please.

How did it go?

It's approved,
I'll have it in 3 days.

How much's our commission
for $30,000 loan?

$9,000.

I'll collect it in 3 days.

- Answer me!
- Okay.

Loan Fraud Task Force

Afternoon.

I'm Det. Chun from homicide
assigned to this detail.

Hello there.

I'm from Ministry of Finance,

auditor Han Young-il.

How does a district office
start a detail?

Prosecution pushed it
to the police,

and vice versa,

so the district office
got dumped with it.

Sir, do we check out
at top of the hour?

How about now?

Sure thing.

Fake loan applications for
private loans increased 2 years ago.

Providing unqualified people
with proof of employment,

business license, lease contract,
and even national pension forms,

called 'scam loan,'
it's a new form of fraud.

You accidentally shot
a man to hell.

We're here on disciplinary action.

Let's not get in each other's way,
and cruise through this for a year.

Just go with the flow.

Processing Data

Balance: $30,000

Hyuk-jin.

Look outside the window.

There should be a guy there.

Hair slicked back,
wearing sneakers.

Creepy dude.

Yeah, I think it's him.

Creepy dude

Bankbook.

Transfer Complete

Hyuk-jin, I transferred
$30K to your account.

On my way!

I'm here!

Why aren't you answering?

I overslept.

Balance: $0

That's weird.

The money's not in.

What?

- It's not in yet.
- Why? Why?

Why not?!

Call it in,
call the bank.

Weird...

Is this Chunsol Bank?

I applied for a loan,
and haven't got it yet.

I'm Lee Min-jae.

What?

One second.

The loan was denied.

What? Give it!

Yes, hello?

What happened to the loan?

Mr. Lee's application was denied.

It's regrettable,
but that's final.

That's what I said.

I followed your instructions,
was that okay?

Of course.

So even us students
can get credit loans?

How did you do it?

Faked some documents,

and sweet-talked at the bank,
then money came.

The watch and certificate?

Here.

Rolex watch,
grade A imitation.

It can be bought for $100,

and sell it for $2,000
for $1,900 profit.

Sell 1 a day,
for 30 days a month...

$57,000 profit.

But how do we sell 1 a day?

That's why specialization
is necessary in business.

Hye-sun.

You're a design major,
get us nice product shots.

Hyuk-jin, continue making
fake certificates.

"One-Line."

Hyuk-jin, I emailed you a file.

Can you open it?

It's called 'One-Line Virus,'

it looks like
nothing's wrong, right?

But click it and wait.

Personal info from 12 portal sites
are sent to virtual servers,

automatically registered
to our e-commerce site.

Online luxury goods
shopping mall.

He played you.

Denied application?
Does that make sense?

But no way he lied to me.

He looked so naïve,
no balls to do that.

Right? He looked normal.

But that doesn't mean
he's straight inside.

Look at him,
he looks legit.

How was the biz trip?

It's light.

The Daegu loansharks
are my juniors.

They get cranky
if I don't treat them.

Is that all?

I took my cut.

It's a sensible amount,
so just accept it.

Okay.

In exchange,
assess a kid for me.

This is 100% handmade imitation,

even the watchmaker
can't tell it apart.

I'll take 300 of these.

300 is $30K.

Double check it.

Let's use my mom's card's
6-month installment plan.

Transfer me on the due day,
it'll be better this way.

Can't do it for illegal goods.

As a favor?

I hate the hassle.

Do we have to buy it here?

Fakes are plenty around here.

If there's no real reason
to get it here...

I'm kidding,
anything can be done.

- A receipt too.
- Of course.

Here you go.

I'll be back with the watches.

Okay.

- Min-jae.
- Yeah?

Wanna go get a drink later?

You know I can't drink.

How about dinner
with Hyuk-jin?

No, just the two of us.

Just us.

Just us?

Yeah, just us.

Why don't I deposit this
in your account?

Okay.

Sir, where's the merchandise?

What merchandise?

The watches.

Your friend cancelled
the transaction.

What do you mean?

She was just back here
and cancelled it.

We have to be somewhere.

I got a loan with my credit,

why do you get a commission
for helping with a con?

I'll tell you where to get a loan,
so pay us back.

Interest is only 4%.

4% a month,
which is 48% a year.

They'll take interest
from that 48%,

which will end up
being 60% annually.

To pay back the commission
for $9,000,

I'll pay over $5,400
in interest alone.

You're quite the mouth.

Mr. Park!

I like peaceful resolution.

Okay, then get paid peacefully.

I brought him here
for an interview.

Let's ride.

How many banks do you think
there are around here?

Over 800.

Despite oversaturation,
none will go bankrupt.

Why? They only give loans
to those who can easily pay back.

Those in suits with
regular paychecks

get low interest loans.

But temps, unemployed,
students, housewives,

they will never get a loan
even with good credit rating.

My job is to help them
get a loan.

This is the operative phrase:

"helping them."

I'll help you earn 5 large a year.

$50,000?

I guess you don't know,

in my neck of the woods,
$100,000 is 1 large.

Why are you dressing?

I know it's uncomfortable.

Min-jae, smile for once.

Would you smile
if you were me?

And what's wrong with you?

Young, handsome, smart.
You're a total package.

And penniless.

Make money later,
and stop moaning.

I don't have an appetite.

I'm off.

Thank you.

Proof of employment, fake ID,
pension forms, passport photo.

Hot body, eh?

What's with that?

You're a computer major,
don't you know Photoshop?

Right, you graduated from MS U.

Not graduated,
I'm still a student.

No, then military draft?

Well, not yet.

No military, no graduation,
and no computer,

why live so recklessly?

Come on,
you're so annoying!

Who is this?

He was a gang heir apparent
in his prime, apparently.

I've seen a lot of heir apparents
in my days but never like him.

You too, eh?

Thugs don't last long.

They have no brain.

You played him too.

Mr. Min here is starting today.

But my last name isn't Min.

That's why you're Mr. Min,
Mr. Park here isn't Park.

And he's Mr. Song.

We all need aliases
in this industry, okay?

He's just Ki-tae.

Attention please!

I'm Det. Chun Ju-hwan
from Fraud Task Force!

Illegal credit loan is
a huge problem!

Make sure CCTV footages
are always ready,

and try to remember their faces.

Could you come back
after consulting our head office?

You can't do this here.

Let me go,
I'm trying to help!

Fraudulent loans
could be happening here!

Let me go!

1 woman, 1 man.

At least 1 could be good.

I'll take $500.

- Hello.
- Afternoon.

Your husband's business
must not be doing well.

What?

Wholesale industry.

Mr. Song, please take her.

Sure.

Ma'am, wear this pants,
and put these shoes on.

And you...

Seed Loan,
up to $20,000.

Mr. Min, give it a go.

I'm going against
a newbie who went to MS U?

Mr. Min, this is trial by fire.

Say that you're here
for Smile Loan.

I... would like to apply
for Smile Loan.

Do you have the forms?

Hand over the forms naturally.

Ma'am, you're missing
pension forms.

Pension...

I'm missing a form.

Who are you talking to?

What?

One moment, let me call
the pension offices.

Ma'am! Excuse me!

Hold on, please!

- I'll be back!
- Where are you going?

- Wait, please.
- Calm down.

- I didn't do anything wrong!
- Please stay where you are.

I'm innocent!

I'm here for a loan.

What's going on?

Getting caught means moving.

Tell Mr. Song to
stay home from tomorrow.

He can't continue to
work like this.

But we need a designer,
let's mess him up and keep him.

He has a bad habit.

You know I don't even
trust you with this.

Time for a beating.

Mr. Park, I prefer
peaceful resolution.

Mr. Song.

You know how important
this work is to me.

Conduct yourself carefully.

Where have you been?

Trial by fire.

How did you
pop your cherry?

I didn't get laid.

Oh, you mean the loan
I scored?

How did you do it?

Mr. Song,
is your head okay?

You should be on a stretcher.

Why don't we go to
a pharmacy and get...

I feel so much better thanks to
your concern, bastard!

Should I thank you?

Mr. Song, shut your trap.

What's the ledger that you're
holding on for dear life?

Mr. Song, why were you
so keen on this thing?

It categorizes various
credit ratings per bank...

Dammit, why am I saying this?

How the hell did you
get the loan?!

Buddy.

I asked you
how you pulled it off.

He's clever.

Even without telling him,
he knows the rules.

What rules?

First rule of our business:

never reveal your methods.

Mr. Song,
what's the 2nd rule?

House loan, car loan
and insurance loan,

AKA "Dirty Loans"
are off-limits.

Third, always try new things.

Some legwork and pressuring
the banks worked a bit.

Shouldn't we report this,

and get an official approval?

That's what I'm saying.

Let's follow the protocol.

We got disciplined for
not doing that.

When will we catch them
by following protocol?

And if you catch them
by not following it?

We have to go
with the flow.

Did you get their names?

They called each other
Mr. Song, and Mr. Park.

Anything we can use?

Oh, MS U.

One of them said Mr. Min
goes to MS University.

Are you mad at me?

About what?

I fooled you before.

It's my own stupidity
that betrayed me.

That's not stupidity,
it's naiveté.

- Naiveté is a crime nowadays.
- Are you being cute?

What?

I got one of those.

Here.

That's a scratch mark,
these are stab marks.

Stabbing wound is narrow.

Not fooled this time.

Ex-gangster, huh?

Do you even know
what that is?!

Ki-tae.

Specialization is necessary
in any business.

You got the muscle,
I got the brain.

Let's team up
and make a dent.

Do you want to go back
to being a gangster?

I'm done here,
we're family no more.

Step aside.

No, boss!

Please!

Don't move,
stand still.

Step aside.

No, boss!

The floor is slippery.

Are you doing?

Please, boss!

Hold on, wait, wait!

Just chill,
calm down.

My boys can't hit,

but very good at blocking.

Go wait over there,
I'll be with you in a bit!

Careful, careful.

The washroom is over there.

- Do your thing.
- Okay.

Be quick!

Found you.

What are you doing here?

Making money.

Not even surprised, huh?

Where's my money?

$30K is chump change,

thought I'd still have it?

That was scam loan anyway.

Call the cops
if you're sore.

I'll get my stuff another time.

Nothing important anyway.

Who is she?

She's a pro,
that's what she is.

If you're close,
tell her to get out.

This type of work is dirty.

Yeah, that's the key phrase,
doing something not dirty.

You're so money.

Doesn't it feel good
not to look like a thug?

Looks so gentle too.

You frighten people
when collecting, right?

Yeah, so people give you money.

Did you get money from me?

Nope.

If you want the money,
be their friends.

Give them good food,
good bed, and be considerate.

'I'm worried about you,
I'm helping you.

I'm looking after you.'

Don't start off with collection.

- Hello.
- Good evening.

I heard you like
Japanese food.

I do.

Let's just relax and
pick up the money tomorrow.

Thank you.

Don't be so formal,
you feel like my own brother.

I know it's been hard.

Get a loan
and pick yourself back up.

So what I'm saying is,

I know you're stuck in hard times,
but what I want to tell you is,

you have to be even stronger
at a time like this.

Be strong!

Say it out louder!

Keep fighting!

Keep fighting!

Try it, go on.

- Go on.
- Wait...

- You can do it.
- I'm sorry...

Yes, keep fighting!

Please take your cash.

Here.

Mr. Min, thank you so much.

No, not at all.
This was all you.

Be successful
and buy me a beer.

No need to threaten people
for commission.

We collected $20K today.

I'm taking
Ki-tae's and my cut.

We collected $40K today,

we're taking our cut.

We collected...

$80K today.

3, 4, 5, 6...

11, 12, 13, 14.

Take care!

Sons of bitches.

Chill, chill, chill.

You guys officially dating?

So full of yourselves.

What's with your clothes?
Looks like ethics prof.

History teacher, maybe?

You should look
in the mirror though.

It feels a bit childish.

You've suddenly grown balls!

I've always had them,
I'm just concerned.

We're the only ones
making money nowadays...

Look at this bastard!

Chill, Ki-tae.
Are you his clone?

You're working for him now?

You guys are so full of yourselves.

You can all buzz off and die!

Mr. Song!

Stop swearing.

Are we thugs?
Hooligans?

Be gentle,
have some manners.

Ki-tae, do your own thing too.

Stop being in Mr. Min's shadows.

He's using his muscles,
I'm using my brain.

Our teamwork is
based on specialization.

Isn't that why
you two work together?

You must have lost your mind.

Harsh words
make me nervous.

We're not thugs
or hooligans.

Be gentle,
have some manners.

Everything went to your head.

My arm!

It's dislocated!

What's with him?

His arm's dislocated.

Are you okay?

- I got it.
- Let me see.

Don't touch me!

Mr. Jang, let's chat.

I got Wednesday service.

It'll be short.

I can't miss Wednesday service...

Closed Today

I'll get to the point.

3 men are waiting for us
in the next room.

Heard of 'Midas Money'
in Gangnam?

They're taking over
a savings bank.

If we bring in our own capital,
they'll give us comfy seats.

I'll get to the point too.

I'm not interested in banking.

Putting in money and
taking interest isn't my thing.

How long will we live as
Mr. Jang and Mr. Park?

Put your name forward
and go legit like a man.

I'll give you an advice
like a man.

Banking is an interest business.

Money snowballs
as it rolls.

But so does debt,
it gets bigger and bigger.

With just one loan,
the interest keeps snowballing.

It's never-ending.

This is the operative phrase:

it never ends.

How long will you live
your life like this?

Let's live proudly for once.

Mr. Park.

When one loses control,
he doesn't resemble a human.

Mr. Jang.

If one lives in the shades too long,
he'll live forever as a criminal.

Mr. Jang.

Let's do this.

I'm sorry, Mr. Park.

Thanks, but no thanks.

Hyuk-jin, still awake?

I'm forging my report card.

Want yours forged too?

No, I got no lingering feelings
about school.

Did you draw all that?

Got bills to pay.

How much is that?

Real Van Gogh's bedroom is...

about $100M?

Mine's a fake,
so $10 on the street?

Then I'll pay $1,000
for that.

There's a cop...

who goes around
on the campus.

WANTED: Fraud Loan Suspect

Stop Hiking MS U Tuition

What's that?

A scammer goes here.

Do you know his name?

Not his full name,

just his last name, Min.

Min...

I could make calls to
various departments and ask.

Let me take that,
I'll post them up.

You officers work too hard.

Post them good.

Plaster them.

Sure, don't worry.

Buy yourself a drink.

- No, please!
- Take it!

It's really okay!

Go splurge.

Thanks.

Thank you.

Head!

One, two!

Wrist!

One, two!

Waist!

Be quiet,
I can't concentrate.

Good afternoon.

Yes, hello.

Your case ended without indictment
so no need to come here.

Don't ever try to get
a loan or anything,

and find a job that gives you...

Wrist! Head!
A regular paycheck.

Go do it over there.

Excuse me.

That loan office sent me
another text message.

Still need a loan? Call us.
- Instant Loan's Mr. Jang.

Can I help you?

Are you Mr. Jang?

You're being investigated
for scam loan.

This is an architecture firm,
didn't you see the sign?

Instant Loan – Mr. Jang

Hello, architect Hwang here.

Yes, sir.
Of course.

Hello?

You bastard!

Mr. Min!

Where did he go?

Dammit!

Hey!

I'm coming with you!

Get out of my way!

Stop!

Wait, obstruction of justice!

This is dangerous!
Watch it!

Mr. Min!

I'm going dark as of today.

He saw my face
so it's a matter of time.

Then what about us?

You should stop too.
You made a mint already.

Why don't you help us
leave the nest?

You had another copy?

Mr. Min, this industry
isn't a gravy train.

Don't be so greedy.

Don't ever get into
Dirty Loans.

Okay.

Mr. Min.

Dirty Loans is off-limits.

Yes, sir!

Can we do this on our own?

That's why
he gave this to us.

Get to the point,
I'm really busy today.

Ms. Hong,
how do you...

get so much personal info?

I scour mail boxes
morning and night,

swipe them in the back alley.

This isn't something
you can handle.

Of course not, how could I ever
work the streets like you?

Even your fingerprints
are gone.

Aren't you sick of sending
spam texts everyday?

Let's partner up.

I'll let you work comfortably.

We split profit equally.

25% each.

There are 3 of us,
which makes it 33.3333%.

We need a forger
to fake forms.

It's like forging report cards
or making those paintings.

Your skills are...

perfect for this.

I'll help you earn
5 large a year.

$50,000 a year?

I guess you don't know,

in my neck of the woods,
$100,000 is 1 large.

Mr. Jang's credit rating data.

It fits inside this
tiny memory stick.

It's got 8GB of storage.

We need to upgrade
our trade.

21st Century is an era of tech.

Ms. Hong has over 20,000
personal info.

We send those requiring loans
an email with One-Line virus.

When they click it, they're
registered to our site.

No more texts, and calls,
everything's done online.

Introducing One-Line
Loan Service.

Are you here for a loan?

This isn't a PC café?

No, get out!

Get the hell out!

Are you here for the PC café?

No, we're here
for One-Line Loan.

- Right!
- Welcome!

This way,
come inside.

Youth entrepreneurs,
$20,000 each.

Let's get to it.

This is an online mall office
you're starting.

You three are friends
from design major.

Filled with dreams of
starting your own business.

As we enter workforce,
we want to do something we like.

It's important to keep talking,
and reel him in slowly.

But loans aren't something
that can be easily given.

We wanted to get
an upstanding job like you.

But this is fashion industry,
it's always an adventure.

You're here.

You over here,
and you...

Always stand in front of him.

We're the problem.

You studied harder than us,
and worked even harder.

Display your affection moderately.

It's nothing like that.

You feel like my brother.

Here, my business card.

Wait, you could be our model!

Look how wide
your shoulders are.

Your skin is so pearly up close.

Can't even see
any blackheads.

I think... there's enough
for a loan.

Everything's good.

They're perfect!

Thank you!

Balance: $20,000

Admin: Mr. Min

Members: 75,643

Only those with ID
will get a number!

Mr. Kang, can you
handle this alone?

It'd be good
to have Mr. Jang too.

Give me 1 year
and I'll have $10M.

We can take over
the bank then.

$10M isn't a chump change.

With Mr. Jang,
that may be possible.

He's well versed in finances,
and got a sharp mind.

Mr. Jang, Mr. Jang...

Do you see this?

I don't work with my mouth,
like Mr. Jang,

I got to where I am
by using my body.

$10M is easy to put together.

You'll get regular allowances too.

Will you really be okay
by yourself?

No doubt.

But in exchange,
I get the CEO seat.

If you say otherwise later,
you're all dead.

Mirae Capital
Car Loan Introduction

Good evening, everyone.

How do you like
living in this country?

It's hard, right?

The gap between those with
and without is too great.

I want you all to live
with peaceful state of mind.

That's why I have something
special for you.

You can buy cars cheap
and get loans too.

Sir!

This way.

Since it's a German car,
even the opening door

sounds like BMW.

Watch your feet.

With this, you get
a girl in an hour,

2 hours, get married,
3 hours, on your honeymoon.

With 36-month
installment plan,

we pay first 2 months' $3,000,

6 months later, we buy it back
for 90% of its value.

Very nice!

I'd like to get a secured loan
with my car.

Come on, chop chop.

Why didn't Mr. Jang
ever get into Dirty Loans?

He had no balls to expand.

All money is dirty.

And that's why
people love it.

Are you here for
the car secured loan?

Yes.

I bought a $100K car,
but it was gone in the morning.

I'm here for house lease loan.

What? Me too.

Did you get a secured loan?

- Was your landlord was fake?
- Yes.

I couldn't move in today!

You should've checked
all the paperwork.

They forged everything!

Should we call the police?

If we do, we'll get arrested
for complicity.

Complicity?

Loan Application

The economy is
bouncing back up quickly.

Bank of Korea reported that
GDP of the 3rd quarter

grew by 4.4% from
the same quarter last year.

It's the first time

the growth has reached 4%
in the past year.

Despite slumping
construction sector,

public spending has increased
and the export is rising rapidly...

1 year later

November, 2006
Incheon

As of yesterday,
we got 400,000 members.

To commemorate.

Very money.

Here, here, here!

Picked them out
with hidden slush fund.

What's with the faces?

Sir, could you move aside?

Make way!
Get out of the way!

We need to expand.

Sir, you require reservation.

We're looking for someone.

Ask them about her.

You can't just barge in...

Wait, take this...

and go downstairs.

Go on now.

Can I help you?

Let's talk.

What's there to talk about?

How much do you
make like this?

Plenty, and easily.

I make plenty too,
and easily.

What's this?

Signing bonus.

You drew this
by hand till now?

Design major has
its advantages.

Fast and precise.

Dude, one moment.

Dude.

Can you trust her?

This work isn't for everyone.

A new hire has to be
smart and fast.

She got you once,
she could get you again.

I have changed
quite a bit since then.

I'm One-Line's Mr. Min now.

What are you doing?

This is MS U's Mr. Min.

He recently came to drop out.

How can you tell
it's the same man?

I saw him in person.

But over a year ago.

I don't forget a perp's face,
he's the one!

Lee Min-jae, MS University,
Computer Science major!

Lee Min-jae?
You said Mr. Min.

He's using an alias!

They move offices,
use burner phones!

Get me a warrant,
I'll take care of it!

Why are you overreacting?

It's not like scam loans
ever killed anyone.

Tons of people are dying
because of money, aren't they?

Seoul Bank's Mr. Moon.

Dongah Bank's Mr. Hwang.

Lastly, Chosun Bank's Mr. Cho!

They came a long way,
show them our appreciation.

Loan Approved

A token of appreciation

A little gas money.

Be healthy.

Very ample.

CEO Kang Ji-won

So efficient to work with bankers,
we get 100% approval.

But there's a problem.

What is it?

Min took all of our clients.

Parcel delivery!

I got a parcel,
it's from Lee Min-jae.

Could you bring it inside?

Sure.

What's he up to nowadays?

What?

What's Min-jae doing?

I'm a delivery man,
I wouldn't know.

No, you're not.

I moved around
but you still come by.

What is my son doing?

He's...

Anyone home?

I heard that!

What are you doing?

What about you?

Why were you climbing
that wall?

I'm on a case.

What case?

I'm a cop.

A known suspect lives here.

Do you have a warrant?

Screw warrant.

Stay back.

Sir, stop that!

Hold on!

Don't move!

We got a report of trespassing
from his house!

Who called in that report?!

Stop it,
that hurts!

Let's talk at the station.

There! Catch him!
Min, you bastard!

Get those guys!

Let go of me!
I have to catch them!

Min! That's him!
He's right there!

How does a cop get arrested
for trespassing?

If you want to investigate,
get a warrant.

So embarrassing.

Embarrassing as hell,

who's the one stopping me
from doing my job?

Did you swear at me?

I can swear too!

You should be ashamed
of yourself!

I'm sorry, did I hurt
your puny feelings?

Then get me a frigging warrant,
do your damn job!

Why are you so upset?

Good job boys,
at a station no less.

Let's get back and
start this case properly.

What case?
It's checkout time.

Go with the flow,
will you?

Check it out,
this case is on fast track.

Scam Loans Are Rampant

You slept through a year,

and after some media attention,
you wanna go cherry picking?

It's not cherry picking,
it's about teamwork.

Mr. Min you were after,

do you know
what he's up to now?

'One-Line Loan Service.'

Their site is blowing up.

Over 400,000 members.

They're taking
any new clients.

How is he doing this?

He wouldn't have
the bank data too.

Scam loans that target commercial
loan products are growing.

The banks are temporarily
suspending their loan services,

in order to root out
the scammers.

Lee Je-bu has the story...

What do we do now?

Secured loan should still be open.

That's going after people's lives.

It's called 'Dirty Loan.'

Get them to use loansharks,
and sell them fake cars, houses,

then they lose everything
to pay back the debt.

We're in the bloodsucking industry,

why does it matter?

Bloodsucking?
We're helping people.

I know,
don't talk like that.

Can't we help them by
using insurance as collateral?

What?

With car and house loans,
they'll lose those,

but what about insurance?

They're just getting loans
with existing insurance.

I don't see a problem here.

Okay, I'll get on it.

You feeling it?

No one can resist
her disability.

My mom signed up
for an insurance.

Mr. Min, a word please?

Get the forms ready.

Let's get to work.

Hyuk-jin, you're his friend,
he'll listen to you...

Ki-tae.

I only wanted to do this
for a year.

You got a way with words.

I know you can convince him...

What are you doing
in my office?

Working, of course.

Min, what's the password?

Well, I can't remember
4-digit passwords...

Wait a minute.

Let's talk.

I like peaceful resolution.

I love peaceful resolution!

Holy cow!

A new face?

She's got balls.

You're wasted under
Min's wings.

We're not that close.

That's not even a threat.

Watch me.

I got it!

I got past it!

I'm an Ivy League,

and you're a college dropout!
No contest!

You didn't even graduate,
goddamn loser.

Never mind.

One-Line Client List

Client list copied.

Bankers select loans for us.

100% approval.

How long will you
live like a frog in a pond?

Can I come with?

I can design forms,
and collect too,

my sex appeal is
quite useful too.

Been a while, Mr. Jang.

Came to convince me
out of retirement?

I want to help you
with your comeback.

You should quit.
You got no leads anyway.

You knew it all dried up?

Want a tour of my place?

I'm sick of living in a rat hole
because of money.

You're still young,
so find another line of work.

This is not a rat hole at all.

The interior is top notch.

Mr. Jang.

You can't come back
on your own,

you need someone like me
by your side.

I want 30% of
your earnings so far.

30% of all my past earnings?

What a load of crap.

Or walk away.

Not yet.

But with all the leads dried up,
what exactly can you do?

Sinsung Bank's Sea Loan
in January,

Kukje Bank's Hapsi in February,

Dongsu's Hope in March,

Hanuri's Happy Loan
in April, et cetera.

These will open up
when things die down.

Okay, you get my 30%.

But I'm dying to know...

Who's the source?

- Evening.
- Hey.

- Take his coat.
- I'll take that.

We could've skipped
since it's raining.

You love rice wine
on a rainy day.

I...

Hello, I'm One-Line's Min.

You look so familiar.

You look very young,

but also so warm that
you feel like my father.

How did you raise this snake?

It wasn't me,
he raised himself.

- New schedule.
- Thank you.

So that's it.

The Wednesday service.

Lord!

Mr. Jang, how did you
find God?

There are plenty of people
who'd love to meet me.

I chose Jang
from that batch.

But why him?

He has a knack for making
inhumane work feel humane.

Do you know which kind
is the worst in this line of work?

Well...

The haves.

They're the worst.

Hallelujah.

They hide behind their money
and do the worst imaginable.

Pay us back.
We saw you with the money.

I paid my debt when I
signed up for insurance.

I paid you the commission too.

No, not that,
the principal for the bank.

$47,526.22.

Why should I pay you
what I owe the bank?

Wait, one minute.

I brought this thing along,
what this does is...

What are you doing?

Dammit.

Shoot...

I can't give you this,
I really can't.

You look like you're old enough
to know your stuff.

Why are you pouring that!
Stop that!

You should only be
thinking about paying back,

if you keep insisting on it,
how will I get paid?

- Okay, hold on.
- Give it, bastard!

Here, I'll give you the money.

Take it.

Buddy, don't move.

Sir, I gave him the money,
I don't have it!

Please don't do this!

- Be quiet!
- Please!

It's a 15,000 sq ft. lot
located near Pangyo.

Since Gangnam is too expensive,
people will swarm here.

6,000 units of high-rise
apartments to be constructed.

It's the perfect spot
for our bank.

That's it.

That has my name on it.

Sorry about the mess.

We had an incident,
don't mind that.

Where are the employees?

We can do it alone.

More people means
less for us.

Right?

What's this?

I need my own space too.

We get clients
with the internet.

We have our own site,
and it's got 400,000 members.

'One-Line Loan Service.'

Admin: Mr. Song

Admin Access

Got played?

I did some insurance loan...

Are you nuts?

We left the loansharks out
and changed the client's name.

I told you not to touch car,
house or insurance loans.

Honestly, what's so bad
about insurance loans?

One can lose his car money,

or house deposit.

But what do you lose
with insurance?

What the hell!

There's no difference between
tripping and scaring them to trip.

It's time for you to pull out.

Mr. Jang, it's been a while.

What's this?

Come in.

Why did you move here?

I sent you the money.

You didn't spend anything?

Min-jae.

You mustn't do this work.

Mom, what I'm doing
isn't a bad thing.

I help people
who can't get loans,

I'm like a reasonable broker.

Using poor people's names
to get loans and leech off of them.

Do you think they'll live
happily ever after?

Why should I care about them?

Min-jae.

Do you think of me
when you see the poor?

That's why.

I'm not in a position
to think about others.

If it wasn't for me,
you wouldn't live like this.

Min-jae.

The way we are now,
it's not your fault.

Don't ever think that way.

Putting my heart and mind
into my headphones

I can only lean on my music

I found your profile by chance...

You've received a memo

I'd like to be your friend,
please reply.

I've attached my photo
and phone number.

Internet Explorer cannot
display the webpage

What the hell?

Huh?

One-Line Client List

Download

Loan and collection complete

Yes, hello...

Afternoon.

Did you call earlier?

Hold on.

Debt Transfer Notice

Mirae Capital bid
the highest with $30M.

They got a great
take over plan too.

A site is ready in Pangyo
and enough capital too.

Looking at the future outlook,

giving it to Mirae
would be ideal.

But their flow of funding
is unclear.

Their capital source
is very shady.

I heard the CEO is
ex-enforcer for loansharks,

how can we trust a bank
to this person?

We lobbied hard to the board,

but the bid was rejected
because of VC Baek.

He's a financial supervisor
with 3 years till retirement,

he won't ever meet us.

Why not be an investor
and put someone else as CEO.

This contains all of
our transactions.

Ever heard of dashcams?

How do I explain this
to you old men?

Let me show you,
looks great, eh?

Bastards,
recognize yourselves?

Remember what I said?

If I'm not the head,
you're all dead, I said that.

Should I bury you all?

Look at me.

If I'm not the CEO,
you're all dead!

Got it?

Hey.

Answer me!

Hello.

Are you Ju-hee's mother?

Are you here to collect too?

Pardon?

Mirae Capital took everything.

Her will says, the premium
should be used to pay the debt.

Where's Ju-hee?

This middle room is wide
and the space is eye-level.

The price is $50,000, and there's
a 36-month installment plan.

Thank you.

I was worried that
I couldn't get my child this.

I'm in the business of
helping people.

Sinra Bank top employee,
Jang Seok-gu.

You used your real last name.

Developed #1 loan programs
5 years in a row,

loan results are over $100M.

Collected loan data
and used it for scam loans.

Where's Min?

I'm not sure.

Det. Chun, could you
give him a hand?

I don't think he has
the balls to touch me.

What about me?
Take a look.

You could be offended.

I have an eye
for assessing people.

Because it's my job.

Where's Min?

I like peaceful resolution.

Hold on! Let's talk!

No need to get violent!

Let go!
I got it!

Son of a bitch.

Wrap it up.

Where's that goddamn rat Min?

Not every bastard
is a goddamn rat.

Even in this line of work,
there are good and bad people.

Rats are in a category
of their own.

And you're one of
the good ones?

I'm the noblest one.

I make inhumane work
feel humane.

If you keep this up,
I'll mess you up!

Unknown Caller

You got a call!
Please answer!

You got a call!

Hello?

Det. Chun, can we talk outside?

Where are you?

Keep walking
and you'll see me.

If you can't find me,
I'll hold my hand up.

Shoot...

Looks like your colleagues
aren't all that clean.

I wanted to help you
catch the crooks.

Min.

I think you're
mistaking something.

I don't get in bed with thugs.

Come cuff this.

This'd be a perfect chat
over drinks, but I can't drink.

It was weird
since I was a kid.

I thought I was just a weakling,

but this kidney here,

it's my dad's.

The first transplant failed.

Lost his kidney,
and a fortune too.

That should have been it,
but my crazy old man

gave me his
remaining kidney too.

The second one was a success
and his son lives to his fullest,

but the family structure
changed all of sudden.

I took on so many jobs
to pay off the debt.

I slept 4 hours a day,
worked 600 hours a month,

but I couldn't clear
the debt, why?

There was no end in sight.

This is how I stumbled upon
a job that was meant for me.

I understand...

how those with debt feel.

What they're thinking,

their desperation.

I used that to succeed
in this field.

When I made a ton of money,

I thought I could escape
from this misfortune.

But I couldn't.

I was throwing people
into a firepit

so that I could live.

Do you want to catch one man?

Or...

clean up this industry?

Why are you in such a hurry?

We still haven't got the other one.

Let's give him a photo op
at the prosecutor's office.

I got all the reporters
to come there.

Why is taking photos
so important?

Photos are the only thing
that remains.

What about the rest?
Let them go?

We gotta play the media.

All cases have
the right time to wrap.

Uncuff yourself.

Hold on tight.

What's he doing?

There, there!

Goddammit!

Seriously,
what a hassle.

Why do you work
like a Neanderthal?

Get going.

What the?

Look.

Det. Chun, you okay?

His head is busted,
look at him.

He's no joke.

I didn't see him
as a violent type.

Which way did he go?

Elevator...

Go, go, hurry!

- But he's hurt...
- Go after him!

Mr. Park is going around
collecting bank debt.

He threatens people
to pay back,

he beats them, torches houses,
pushes them from the roof.

The ones hiding
behind Mirae Capital

are Gangnam's Midas Money,

they're all bankers.

They're VPs of Dongah,
Seoul, Chosun banks.

They're working with Park
to take over Hanbit Bank.

But the bid was rejected
due to one board of director.

That person is God,
Vice Chairman Baek.

What's with this office?

Mr. Jang.

There's something
I want to ask you.

Do you really believe that
scam loans are helping people?

What are you getting at?

Let's do one last job.

A proper one.

Mr. Jang, look at you.

What happened?

I'll get to the point.

There's someone
in the next room.

VC Baek, you know him.

The one who rejected your bid
for the savings bank.

You've rejected all my calls,
why are you here?

You've been trying to move me
with petty change.

He's got a big appetite.

How much?

$5M.

You live in a fantasy world.

This is far more realistic
than you think.

I got a new product,
'Charnel House Loan.'

You know that building
going up for your bank?

We'll build a fake charnel house.

People buy charnel houses
rather than graves nowadays.

The demand is constant,

so there's little chance of
falling price.

It's a perfect collateral
for a loan.

God already created a product.

After this,
will you accept the bid?

Don't rush,
please line up here.

Welcome, please sit down.

Good afternoon.

It's very hard to get
loans from banks, right?

Yes.

If you get early bird special
on this charnel house,

we'll help you get loans.

Get a lot for your retirement,
and a loan from the bank.

The lot fee...

will be paid in full
by Mirae Capital.

So, what do we say
to the media?

There'll be something
to tell them tomorrow.

What a load of crap,
we lost Jang.

You lost him.

We'll just catch a bigger fish.

Mirae Capital is the scummiest
bastards around.

They recently started
building a charnel house.

Using it as a collateral,
they'll get scam loans

from 3 banks tomorrow
and I'll go arrest them.

Newly minted $1 and $10 bills
will be released next Monday.

But people are already camping
outside Bank of Korea.

Park Mina has the story.

In a few days,
new bills will be out.

First time in 24 years.

They're already lining up.

They'll go crazy
over these bills.

Putting up tents,
sleeping in sleeping bags,

it'll be busier than
street markets.

That's what money does,
it makes people crazy.

Mr. Jang.

This painting,
it costs $100M.

Which means someone
will pay $100M for it.

I first thought I'd be
happy with just $100,000.

But buy a Mercedes
and that's it.

So I thought $1M
would be good enough.

But buy a house
in Gangnam and that's it.

$10M.

A small building uptown
and that's it.

$100M?

What do you want to say?

After this job,
I'm out.

- You were right.
- About what?

Scam loan.

It's not about helping others.

It's what I wanted to believe.

All ready?

We can leave for the bank now.

You go ahead.

Ms. Hong.

A cup of tea?

Wait, Jang and Min
were going to play us?

How dare they
think of playing you?

Those bastards,
they make my blood boil.

No need to get worked up.

How could I not?
Why am I the only one?

How could you be so calm?

There's common sense...

No need to get worked up.

The prosecutor's coming.

The prosecutor?

Why's he coming here?

I'm about to become a banker.

Even the prosecutor
kneels before money.

You really are something.

But your shirt's all wet.

Take it off
and get changed.

Go on.

Show your ID and stamp your seal
when the bankers arrive.

- Easy, eh?
- Yes!

Dammit!

Stop right there!

Make it look like
all scams loans

were carried out by Song.

And I'm falsely accused investor.

Min, Jang, and Baek,
arrest them all.

That's how I'll take over
Hanbit Bank without a hitch.

Okay, that's good.

Easy to digest
for the media.

The report is very concise.

Financial Scam
Investigation Report

Where are they now?

If I tell you,
I get to walk?

Behind our old office,
Geumho Complex, 2nd floor.

We got a search warrant.

Move.

You're all grown up,
even standing up to me.

Remove them.

Hold!

Push!

Loan Application

Amount: $10M

It's a large sum.

Not so big for
a company of our size.

Our director...

has great funding power,
and the lot sale is complete...

Also...

No need to go in detail,
just say I'm good.

Would you like a smoke?

This business is all about
pushing forward with conviction.

Graves are much too
expensive nowadays.

If your loved ones pass away,
we'll hook you up.

- You know?
- Sure.

I'm very close to
the vice chairman.

Kang Ji-won

Wait, aren't you the CEO
of Mirae Capital?

You recognized me.

We've met once before.

Indeed.

I recognized you earlier,
but I didn't say anything.

We started this
charnel house business.

Phase 1 sale is all done,

but we need some capital
to start the construction.

So I wanted to personally
take out some loan.

I'll go make a call.

Sir, it's Choi Jin-ho.

I'm calling about a loan
applied by

Utopia Charnel House.

Yes.

Yes, sir.

Yes.

He asked me to
take good care of you.

I told you, we're close.

Mr. Choi, do you like paintings?

Allow me to gift you one.

Stop!

Stop! That's enough!

It hurts...

Hurts so much!

I'm bleeding...

I think I need to
go to the hospital.

Thank you.

CEO: Kang Ji-won

Loan Granted

You're all under arrest for...

Where are they?

What happened?

What is it?

Is this made in Italy?

It's made in Korea, bastard.

What the hell
are you doing here?

A job.

A job?

Me?

Withdraw complete!

You got played properly today.

How could I not?
Why am I the only one?

How could you be so calm?

There's common sense...

Hey!

You gotta go with a blue shirt.
Where's your fashion sense?

Your face is gorgeous,

with dark eyes,
very piercing and sexy.

You know that, right?

That's why bule
is the right choice.

It'd be immoral to take attention
away from your pretty eyes.

Are you nuts?

You really would look
good in a blue shirt.

A real pro.

Bankbook please.

Take this and go to
the charnel house.

Ms. Hong, get ready
to collect at the bank.

The important thing is,

continue talking
and reel them in slowly.

It's easy.

Calm voice,
not too fast.

Just follow this script
and the money will pour in.

Wait, gotta connect Bluetooth,
it's not connected yet.

Yes, what is it?

Loan for Kang Ji-won?

I was going to call you
about it too.

All paperwork should be ready,
take good care of him.

He's like a real brother to me.

The HQ is asking
for a recommendation

to replace me when I retire.

Understand what I'm saying?

I never forget a favor.

Now, time for you two
to get paid.

Mr. Kang, bad news,
our office got raided.

You were after my money?

That would be too petty.

Your corporate account,

Mr. Jang has it now.

How did you forge this
corporate bankbook?

The font is their custom font.

I copied one by one.

We took out some loans
under your name.

You put people under a pile
of debt, threatened them,

then pushed them
over the edge.

I want you to
experience that too.

The amount is quite something.

$10M from 3 banks,

so about $30M?

Mirae Capital CEO
Kang Ji-won,

you're under arrest for
fraud and embezzlement.

This way!
Over here!

You son of a bitch!

Detective!

Move it, bastard!

Move it!

Get out!
Get the hell out!

You laugh?

Yeah?

Am I funny?

Kang Ji-won.

You're so screwed.

Get out.

You drive recklessly.

Doesn't that car
have any airbags?

Mr. Min,

you think you're
better than me?

Not at all, bastard.

But you and I are
cut from a different cloth.

You look like a criminal.

See you soon.

Enough dick measuring contest.

Hey, I got a pair of cuffs
for you too.

But shouldn't Mr. Jang
come along too?

I got a call.

Mr. Jang.

It's Min,
where are you?

I won't get played.

Hang up and get out.

Goddammit!

Hey, hey!

Where's everyone?
Stop the black Grandeur!

It's heading back,
don't let him get away!

Those bastards,
I'll really mess you up!

There's another
above ground elevator!

Come down to the basement
and keep an eye on it!

Goddammit.

Do you admit to your charges?

Any words to your victims?

Come on!

Come on, bastard!

Now!

Bring him over!

What do we do
with all this money?

20 large per person
for retirement.

And the remaining $20M?

One-Line Client List

This is the last stop?

You should take this, Mr. Jang.

The boss should end it.

You can't play me like this.

Go on now.

How dare you
mess with your elders.

Go on, we're waiting.

You said what we're doing is
helping people.

WRITTEN AND DIRECTED BY
YANG Kyung-mo

YIM Si-wan

JIN Goo

PARK Byung-eun