Personal loan calculation
In the 2 November 2026 read, the monthly personal loan rate 27 banks publish on their own pages runs from 2.84% to 6.50%. Enter the amount, the term and the monthly rate; Bankacı gives the instalment, the total repayment with taxes and the payment plan. The legal maximum term for the amount you typed shows on the same screen.
Updated: 14 October 2026
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Enter an amount and a term and we will estimate the instalment.
Leave a request with theseThe example loan
250,000 TL · 24 months · 4.17%
- Estimated monthly instalment
- 18,866.82 TL
- Total repayment
- 452,803.53 TL
KKDF 15% and BSMV 15% included. Not any bank's offer.
Average over the last 7 days (26 October – 2 November 2026). Loan interest rates: user averages →
Taxes on the interest
KKDF and BSMV are charged on each instalment's interest component, not on the principal, so their share falls as the plan runs. The common rates are 15% and 15%; both can be changed.
The larger the amount, the shorter the term
The BDDK's personal loan rule is a term ceiling by amount: 36 months up to 125,000 TRY, 24 up to 250,000, 12 above (Board decision 11152, 13.02.2025). Bankacı shows it beside the term field as you type; it does not block the calculation.
A car bought with cash is a personal loan
Credit for a vehicle bought without a lien is a personal loan and falls under this table. A secured vehicle loan is limited by the car's value and has its own page.
Loans with a deferred first instalment
Some banks push the first instalment a few months out. Interest still runs: the interest on the days beyond one month, with its KKDF and BSMV, is added to the first instalment. In Bankacı the deferral can be taken off the term; then there are fewer instalments, otherwise the loan runs longer.
Banks whose conditions mention a deferral in the 2 November 2026 read: VakıfBank ("Ödemesiz dönem seçeneği (örnekte 3 ay)"). The conditions are the bank's; not an offer.
Frequently asked
What is the maximum term on a 300,000 TRY personal loan?
Above 250,000 TRY the maximum term is 12 months.
What is the broken period?
When the days between drawdown and the first instalment do not make a whole month, the difference is added to the first instalment; Bankacı accounts for it.
What are KKDF and BSMV?
KKDF (the Resource Utilisation Support Fund levy) and BSMV (the banking and insurance transactions tax) are charged on the loan's interest, not on the principal. Today each is 15% of the interest on personal and vehicle loans. Housing loans carry neither; business loans carry only 5% BSMV.
See also: Retail loans: personal, vehicle and housing loan calculation · Vehicle loan calculation · Housing loan calculation · Early loan payoff and part payment calculation · BDDK legal limits on consumer credit in Turkey · Glossary
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