Garanti BBVA loan interest rates
These are the current rates Garanti BBVA 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
3.85% – 4.14%
Bireysel İhtiyaç Kredisi (temsili örnek)
- Term: up to 36 months
- Bankacı users enter 4.14% on average in their personal and vehicle loan calculations
Ranked 17 of 27 banks publishing a personal loan rate, lowest first. The 27-bank average is 3.63%; this rate is 0.22 points above it. Last change in the 2 November 2026 read: 3.70% before, 3.85% after.
Garanti BBVA personal loan calculator
Enter an amount and a term and we will estimate the instalment.
Estimated with the bank's published rate (3.85% a month), not an offer. KKDF 15% and BSMV 15% included.
Leave a request with theseConditions
- Türkiye Cumhuriyeti vatandaşı olmak
- Garanti BBVA müşterisi olmak
- Nüfus cüzdanı bilgileri ve imzanın banka sisteminde bulunması (İnternet Bankacılığı)
- 18 yaşını doldurmak ve gelir beyanı yapabilmek
Published rate by date read
| Date | Rate |
|---|---|
| 2 November 2026 | 3.85% – 4.14% |
| 29 October 2026 | 3.70% – 3.99% |
| 26 October 2026 | 3.70% – 3.99% |
| 22 October 2026 | 3.94% – 4.24% |
| 19 October 2026 | 3.94% – 4.24% |
| 16 October 2026 | 3.94% – 4.24% |
| 12 October 2026 | 3.94% |
| 10 October 2026 | 3.94% |
| 5 October 2026 | 3.94% |
| 28 September 2026 | 3.94% |
| 25 September 2026 | 3.94% |
| 24 September 2026 | 3.94% |
Source ↗ · On the bank's page: "Faiz (%) 3,85% (örnek hesaplama: 100.000 TL, 36 ay)"
Housing loan
3.13% – 4.25%
Konut Kredisi (49–120 ay)
- Term: 1–240 months
- Bankacı users enter 2.96% on average in their housing loan calculations
Ranked 13 of 21 banks publishing a housing loan rate, lowest first. The 21-bank average is 3.25%; this rate is 0.12 points below it. Last change in the 19 October 2026 read: 4.25% before, 3.13% after.
Garanti BBVA housing loan calculator
Enter an amount and a term and we will estimate the instalment.
Estimated with the bank's published rate (3.13% a month), not an offer.
Leave a request with theseConditions
- Contact the bank for its conditions.
Published rate by date read
| Date | Rate |
|---|---|
| 2 November 2026 | 3.13% – 4.25% |
| 26 October 2026 | 3.13% – 4.25% |
| 19 October 2026 | 3.13% – 4.25% |
| 16 October 2026 | 4.25% |
| 12 October 2026 | 4.25% |
| 10 October 2026 | 4.25% |
| 5 October 2026 | 4.30% |
| 28 September 2026 | 4.30% |
| 25 September 2026 | 4.30% |
| 24 September 2026 | 4.30% |
| 23 September 2026 | 4.30% |
| 22 September 2026 | 4.30% |
Vehicle loan
3.34% – 3.44%
0 km Taşıt Kredisi (37–48 ay)
- Term: up to 48 months
- Bankacı users enter 4.14% on average in their personal and vehicle loan calculations
Ranked 8 of 22 banks publishing a vehicle loan rate, lowest first. The 22-bank average is 3.69%; this rate is 0.35 points below it. Last change in the 16 October 2026 read: 3.40% before, 3.34% after.
Garanti BBVA vehicle loan calculator
Enter an amount and a term and we will estimate the instalment.
Estimated with the bank's published rate (3.34% a month), not an offer. KKDF 15% and BSMV 15% included.
Leave a request with theseConditions
- Contact the bank for its conditions.
Published rate by date read
| Date | Rate |
|---|---|
| 2 November 2026 | 3.34% – 3.44% |
| 26 October 2026 | 3.34% – 3.44% |
| 19 October 2026 | 3.34% – 3.44% |
| 16 October 2026 | 3.34% – 3.44% |
| 12 October 2026 | 3.40% |
| 10 October 2026 | 3.40% |
| 5 October 2026 | 3.45% |
| 28 September 2026 | 3.45% |
| 25 September 2026 | 3.45% |
| 24 September 2026 | 3.45% |
| 23 September 2026 | 3.45% |
| 22 September 2026 | 3.45% |
Business loan
3.45% – 4.99%
Ticari Taşıt Kredisi (0 km) (48 ay)
- Term: up to 48 months
Ranked 6 of 10 banks publishing a business loan rate, lowest first. The 10-bank average is 3.53%; this rate is 0.08 points below it. Last change in the 2 November 2026 read: 3.45% before, 3.49% after.
Garanti BBVA business loan calculator
Enter an amount and a term and we will estimate the instalment.
Estimated with the bank's published rate (3.45% 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 | 3.49% – 7.49% |
| 26 October 2026 | 3.45% – 3.59% |
| 19 October 2026 | 3.45% – 5.49% |
| 16 October 2026 | 3.45% – 4.99% |
| 21 September 2026 | 7.49% |
| 20 September 2026 | 7.49% |
Garanti BBVA deposit interest rates
Garanti BBVA 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 9.25%
- ₺10,000 – ₺350,000 of the balance earns no interest, by balance
- Interest from ₺10,000
- This rate applies to at most ₺5,000,000
- New customers only
- Rates given from ₺25,000
- The rate depends on the amount
- In branch only
- Rates given from ₺1,000
- At least ₺25,000 for 23%
- Mobile and internet banking only
- Rates given from ₺1,000
- The rate depends on the amount
- At least ₺1,000,000 for 25.5%
Garanti BBVA credit cards
Garanti BBVA lists 26 cards on its own site.
Garanti BBVA credit card campaigns
698 current campaigns on Garanti BBVA cards. Card programmes: Bonus, Miles&Smiles Garanti BBVA, American Express and Shop&Fly.
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 Garanti BBVA personal loan interest rate?
In the 2 November 2026 read, Garanti BBVA publishes a monthly rate between 3.85% and 4.14% on its own pages; term up to 36 months. Not an offer.
What is the Garanti BBVA housing loan interest rate?
In the 2 November 2026 read, Garanti BBVA publishes a monthly rate between 3.13% and 4.25% on its own pages; term 1–240 months. Not an offer.
What is the Garanti BBVA vehicle loan interest rate?
In the 2 November 2026 read, Garanti BBVA publishes a monthly rate between 3.34% and 3.44% on its own pages; term up to 48 months. Not an offer.
What is the Garanti BBVA business loan interest rate?
In the 2 November 2026 read, Garanti BBVA publishes a monthly rate between 3.45% and 4.99% on its own pages; term up to 48 months. Not an offer.
What deposit interest rate does Garanti BBVA pay?
The deposit rates we read on Garanti BBVA's pages, as of 2 November 2026: Yanımda Mevduat Hesabı 10% (first-day real gross rate on ₺1,000,000: 9.25%); e-Vadeli Hesap (Hoş Geldin Kampanyası) 30.5% – 37.5%; Vadeli Hesap TL 4.5% – 23%; e-Vadeli Hesap TL 19% – 25.5%. 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 Garanti BBVA. The current rate, the conditions and the application belong to the bank. Every product links to its source.
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