Alternatif Bank loan interest rates
These are the current rates Alternatif Bank publishes on its own pages. They are the bank's announcement, not an offer from Bankacı. Every product shows where its figure came from.
As of 2 November 2026
Personal loan
3.19% – 3.89%
İhtiyaç Kredisi
- Bankacı users enter 4.14% on average in their personal and vehicle loan calculations
Ranked 7 of 27 banks publishing a personal loan rate, lowest first. The 27-bank average is 3.63%; this rate is 0.44 points below it. Last change in the 29 October 2026 read: 2.99% before, 3.19% after.
Alternatif Bank personal loan calculator
Enter an amount and a term and we will estimate the instalment.
Estimated with the bank's published rate (3.19% a month), not an offer. KKDF 15% and BSMV 15% included.
Leave a request with theseConditions
- Tahsis ücreti kredi tutarının %0,50'si
- BSMV %15 ve KKDF %15 dahil
- İşsizlik sigortası dahil, 35 yaş fikren çalışan erkek örneği
- Sigortasız Dijital İhtiyaç kredisi
Published rate by date read
| Date | Rate |
|---|---|
| 2 November 2026 | 3.19% – 3.89% |
| 29 October 2026 | 3.19% |
| 22 October 2026 | 2.99% – 3.99% |
| 19 October 2026 | 2.99% – 3.99% |
| 16 October 2026 | 2.99% – 3.99% |
| 12 October 2026 | 2.99% – 3.99% |
| 10 October 2026 | 2.99% – 3.99% |
| 5 October 2026 | 3.29% |
| 28 September 2026 | 2.99% – 3.29% |
| 25 September 2026 | 2.99% – 3.29% |
| 24 September 2026 | 2.79% – 3.29% |
| 23 September 2026 | 2.79% – 3.29% |
Source ↗ · On the bank's page: "Aylık Faiz Oranı %3,19 (50.000 TL, 36 ay örneği)"
Housing loan
3.19%
Konut Kredisi
- Bankacı users enter 2.96% on average in their housing loan calculations
Ranked 15 of 21 banks publishing a housing loan rate, lowest first. The 21-bank average is 3.25%; this rate is 0.06 points below it. Unchanged since the 20 September 2026 read.
Alternatif Bank housing loan calculator
Enter an amount and a term and we will estimate the instalment.
Estimated with the bank's published rate (3.19% a month), not an offer.
Leave a request with theseConditions
- Tahsis ücreti kredi tutarının %0,5'i
- Minimum 29.500 TL ekspertiz ücreti ve 1.400 TL ipotek tesis ücreti dahil örnek
- Azalan kapitalli kredili hayat sigortası primi dahil örnek
Published rate by date read
| Date | Rate |
|---|---|
| 2 November 2026 | 3.19% |
| 19 October 2026 | 3.19% |
| 16 October 2026 | 3.19% |
| 5 October 2026 | 3.19% |
| 28 September 2026 | 3.19% |
| 25 September 2026 | 3.19% |
| 24 September 2026 | 3.19% |
| 23 September 2026 | 3.19% |
| 22 September 2026 | 3.19% |
| 21 September 2026 | 3.19% |
| 20 September 2026 | 3.19% |
Source ↗ · On the bank's page: "Aylık Faiz Oranı %3,19 (100.000 TL, 120 ay örneği)"
Vehicle loan
3.29%
Sıfır Km Taşıt Kredisi (Sigortalı)
- Bankacı users enter 4.14% on average in their personal and vehicle loan calculations
Ranked 3 of 22 banks publishing a vehicle loan rate, lowest first. The 22-bank average is 3.69%; this rate is 0.40 points below it. Unchanged since the 20 September 2026 read.
Alternatif Bank vehicle loan calculator
Enter an amount and a term and we will estimate the instalment.
Estimated with the bank's published rate (3.29% a month), not an offer. KKDF 15% and BSMV 15% included.
Leave a request with theseConditions
- Sıfır km taşıt için proforma fatura gerekir
- Kredili Hayat Sigortası, Kasko ve Trafik Sigortası yapılması gerekir
- Kredi tahsis ücreti kredi tutarının %0,5'i
- Satın alınan araca rehin konulur
Published rate by date read
| Date | Rate |
|---|---|
| 2 November 2026 | 3.29% |
| 19 October 2026 | 3.29% – 3.39% |
| 16 October 2026 | 3.29% – 3.39% |
| 5 October 2026 | 3.29% |
| 28 September 2026 | 3.29% |
| 25 September 2026 | 3.29% |
| 24 September 2026 | 3.29% |
| 23 September 2026 | 3.29% |
| 22 September 2026 | 3.29% |
| 21 September 2026 | 3.29% |
| 20 September 2026 | 3.29% |
Source ↗ · On the bank's page: "Sıfır Km Taşıt Kredisi (Sigortalı) örnek ödeme tablosunda faiz oranı %3,29"
Business loan
4.92%
Taksitli Ticari Kredi (TRY)
- Term: up to 24 months
Ranked 10 of 10 banks publishing a business loan rate, lowest first. The 10-bank average is 3.53%; this rate is 1.39 points above it. Last change in the 2 November 2026 read: 4.53% before, 4.92% after.
Alternatif Bank business loan calculator
Enter an amount and a term and we will estimate the instalment.
Estimated with the bank's published rate (4.92% a month), not an offer. BSMV 5% included.
Leave a request with theseConditions
- Contact the bank for its conditions.
Published rate by date read
| Date | Rate |
|---|---|
| 2 November 2026 | 4.92% |
| 5 October 2026 | 4.53% |
| 24 September 2026 | 5.04% |
| 23 September 2026 | 4.53% |
| 22 September 2026 | 4.53% |
| 21 September 2026 | 4.53% |
| 20 September 2026 | 4.53% |
Source ↗ · On the bank's page: "TRY 0-3 ay vade %4,92; 22-24 ay vade %4,21"
Alternatif Bank deposit interest rates
Alternatif Bank publishes the deposit rates below on its own pages, as of 2 November 2026. Not an offer.
The real gross rate leaves out the part that earns nothing; it is before withholding tax and not an offer.
First-day real gross rate on ₺1,000,000 38.85%
- Welcome rate for the first 45 days, then 30.5% – 33% by balance
- The rate depends on the balance
- ₺20,000 – ₺2,500,000 of the balance earns no interest, by balance
- Rates given from ₺20,000
- Same-day interest: pay in by 17:00
First-day real gross rate on ₺1,000,000 29.6%
- Existing customers
- The rate depends on the balance
- ₺20,000 – ₺2,500,000 of the balance earns no interest, by balance
- Rates given from ₺20,000
- Interest is credited on the first business day of each month
- Same-day interest: pay in by 17:00
Extra points (9)
- +6 points: 100 Bin TL ve üzeri ihtiyaç kredisi
- +2 points: Aktif BES poliçesi
- +1 points: Aktif kredi kartı (limiti en az 10.000 TL)
- +3 points: Alternatif ÇokÇok ayrıcalıklarından yararlanmak
- +10 points: Avantajlı yatırım fonu alımı ve fon bakiyesi
- +1 points: Elementer sigorta
- +5 points: Hisse senedi bakiyesi veya işlem hacmi
- +4 points: Kredili hayat sigortası
- +10 points: Yatırım fonu bakiyesi (avantajlı fonlar hariç)
First-day real gross rate on ₺1,000,000 38.85%
- New customers only
- Welcome rate for the first 45 days, then 30.5% – 33% by balance
- The rate depends on the balance
- ₺20,000 – ₺2,500,000 of the balance earns no interest, by balance
- Rates given from ₺20,000
- Interest is credited on the first business day of each month
- Same-day interest: pay in by 17:00
Extra points (9)
- +6 points: 100 Bin TL ve üzeri ihtiyaç kredisi
- +2 points: Aktif BES poliçesi
- +1 points: Aktif kredi kartı (limiti en az 10.000 TL)
- +3 points: Alternatif ÇokÇok ayrıcalıklarından yararlanmak
- +10 points: Avantajlı yatırım fonu alımı ve fon bakiyesi
- +1 points: Elementer sigorta
- +5 points: Hisse senedi bakiyesi veya işlem hacmi
- +4 points: Kredili hayat sigortası
- +10 points: Yatırım fonu bakiyesi (avantajlı fonlar hariç)
Alternatif Bank credit cards
Alternatif Bank lists 3 cards on its own site.
Alternatif Bank credit card campaigns
51 current campaigns on Alternatif Bank cards. Card programme: Bonus.
Legal limits
Read the bank's rate together with the legal limits: maximum term, loan-to-value on vehicles, the maximum contractual rate for the product.
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What every other bank publishes for the same product, on one page. What Bankacı's own users calculate with is a separate page.
Frequently asked
What is the Alternatif Bank personal loan interest rate?
In the 2 November 2026 read, Alternatif Bank publishes a monthly rate between 3.19% and 3.89% on its own pages. Not an offer.
What is the Alternatif Bank housing loan interest rate?
In the 2 November 2026 read, Alternatif Bank publishes a monthly rate of 3.19% on its own pages. Not an offer.
What is the Alternatif Bank vehicle loan interest rate?
In the 2 November 2026 read, Alternatif Bank publishes a monthly rate of 3.29% on its own pages. Not an offer.
What is the Alternatif Bank business loan interest rate?
In the 2 November 2026 read, Alternatif Bank publishes a monthly rate of 4.92% on its own pages; term up to 24 months. Not an offer.
What deposit interest rate does Alternatif Bank pay?
The deposit rates we read on Alternatif Bank's pages, as of 2 November 2026: VOV Hesap (TL) 40.5% – 43% (welcome rate for the first 45 days, then 30.5% – 33% by balance; first-day real gross rate on ₺1,000,000: 38.85%); VOV Hesap - Standart Faiz (TL) 30.5% – 33% (first-day real gross rate on ₺1,000,000: 29.6%); VOV Hesap - Avantajlı Tanışma Faizi (TL) 40.5% – 43% (welcome rate for the first 45 days, then 30.5% – 33% by balance; first-day real gross rate on ₺1,000,000: 38.85%). The real gross rate leaves out the part that earns nothing; it is before withholding tax and not an offer. The bank may have other deposit products we do not read. Not an offer.
This page carries only what the banks themselves publish in public. Bankacı guarantees no rate, no condition and no figure's currency, and offers neither an offer nor advice. The page is not affiliated with Alternatif Bank. The current rate, the conditions and the application belong to the bank. Every product links to its source.
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