Yapı Kredi loan interest rates
These are the current rates Yapı Kredi 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
4.89% – 5.39%
Bireysel İhtiyaç Kredisi - Hazır Paket 36 Ay
- Bankacı users enter 4.09% on average in their personal and vehicle loan calculations
Ranked 27 of 27 banks publishing a personal loan rate, lowest first. The 27-bank average is 3.63%; this rate is 1.26 points above it. Last change in the 10 October 2026 read: 4.25% before, 4.89% after.
Yapı Kredi personal loan calculator
Enter an amount and a term and we will estimate the instalment.
Estimated with the bank's published rate (4.89% a month), not an offer. KKDF 15% and BSMV 15% included.
Leave a request with theseConditions
- Faiz oranları müşteri özelinde değişebilir
- Başvuru Yapı Kredi Mobil, İnternet Şubesi veya şubeden yapılabilir
- En düşük ihtiyaç kredisi başvuru tutarı 1.000 TL
- Yapı Kredi müşterisi olmayanlar Hemen Başvur veya Yapı Kredi Mobil üzerinden başvurabilir
Published rate by date read
| Date | Rate |
|---|---|
| 2 November 2026 | 4.89% – 5.39% |
| 26 October 2026 | 4.89% – 5.39% |
| 19 October 2026 | 4.89% – 5.39% |
| 16 October 2026 | 4.89% – 5.39% |
| 12 October 2026 | 4.89% – 5.39% |
| 10 October 2026 | 4.89% – 5.39% |
| 28 September 2026 | 4.25% – 5.39% |
| 25 September 2026 | 4.89% – 5.19% |
| 24 September 2026 | 4.25% – 5.39% |
| 23 September 2026 | 4.25% – 5.19% |
| 22 September 2026 | 4.89% – 5.39% |
Source ↗ · On the bank's page: "% 4,89 faiz oranı (36 taksit, Hazır Kredi Paketleri)"
Housing loan
2.88% – 3.44%
Konut Kredisi örnek ödeme tablosu (1.000.000 TL)
- Bankacı users enter 2.98% on average in their housing loan calculations
Ranked 1 of 21 banks publishing a housing loan rate, lowest first. The 21-bank average is 3.25%; this rate is 0.37 points below it. Unchanged since the 20 September 2026 read.
Yapı Kredi housing loan calculator
Enter an amount and a term and we will estimate the instalment.
Estimated with the bank's published rate (2.88% a month), not an offer.
Leave a request with theseConditions
- 18 yaşını doldurmuş olmak
- Vade sonunda azami yaş 75
- Gelir belgesi ibraz edilmesi
- Satın alınacak konutun ipotek altına alınması
Published rate by date read
| Date | Rate |
|---|---|
| 2 November 2026 | 2.88% – 3.44% |
| 26 October 2026 | 2.88% – 3.44% |
| 19 October 2026 | 2.88% – 3.44% |
| 16 October 2026 | 2.88% – 3.44% |
| 12 October 2026 | 2.88% |
| 10 October 2026 | 2.88% |
| 5 October 2026 | 2.88% – 3.44% |
| 28 September 2026 | 2.88% – 3.44% |
| 25 September 2026 | 2.88% – 3.44% |
| 24 September 2026 | 2.88% |
| 23 September 2026 | 2.88% |
| 22 September 2026 | 2.88% |
Vehicle loan
3.99%
Taşıt Kredisi (12–48 ay)
- Term: 12–48 months
- Bankacı users enter 4.09% on average in their personal and vehicle loan calculations
Ranked 17 of 22 banks publishing a vehicle loan rate, lowest first. The 22-bank average is 3.69%; this rate is 0.30 points above it. Last change in the 19 October 2026 read: 4.29% before, 3.99% after.
Yapı Kredi vehicle loan calculator
Enter an amount and a term and we will estimate the instalment.
Estimated with the bank's published rate (3.99% 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 | 3.99% |
| 26 October 2026 | 3.99% |
| 19 October 2026 | 3.99% |
| 12 October 2026 | 4.29% |
| 5 October 2026 | 3.99% – 4.29% |
| 28 September 2026 | 3.99% – 4.29% |
| 25 September 2026 | 3.99% – 4.29% |
| 24 September 2026 | 3.99% – 4.29% |
| 23 September 2026 | 3.99% – 4.29% |
| 22 September 2026 | 3.99% – 4.29% |
| 21 September 2026 | 3.99% – 4.29% |
| 20 September 2026 | 3.99% – 4.29% |
Business loan
3.41% – 4.03%
Ticari Taşıt Kredisi (48 ay)
- Term: 3–48 months
Ranked 4 of 10 banks publishing a business loan rate, lowest first. The 10-bank average is 3.53%; this rate is 0.12 points below it. Last change in the 2 November 2026 read: 3.45% before, 3.41% after.
Yapı Kredi business loan calculator
Enter an amount and a term and we will estimate the instalment.
Estimated with the bank's published rate (3.41% 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 | 3.41% – 4.03% |
| 26 October 2026 | 3.45% – 4.07% |
| 19 October 2026 | 3.45% – 4.07% |
| 16 October 2026 | 3.45% – 4.07% |
Yapı Kredi credit cards
Yapı Kredi lists 10 cards on its own site.
Yapı Kredi credit card campaigns
128 current campaigns on Yapı Kredi cards. Card programmes: World, Adios and Crystal.
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 Yapı Kredi personal loan interest rate?
In the 2 November 2026 read, Yapı Kredi publishes a monthly rate between 4.89% and 5.39% on its own pages. Not an offer.
What is the Yapı Kredi housing loan interest rate?
In the 2 November 2026 read, Yapı Kredi publishes a monthly rate between 2.88% and 3.44% on its own pages. Not an offer.
What is the Yapı Kredi vehicle loan interest rate?
In the 2 November 2026 read, Yapı Kredi publishes a monthly rate of 3.99% on its own pages; term 12–48 months. Not an offer.
What is the Yapı Kredi business loan interest rate?
In the 2 November 2026 read, Yapı Kredi publishes a monthly rate between 3.41% and 4.03% on its own pages; term 3–48 months. 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 Yapı Kredi. The current rate, the conditions and the application belong to the bank. Every product links to its source.
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