PERSONAL LOAN
Personal loan calculation
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.
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.
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.
See also: Personal, vehicle and housing loan calculations · Vehicle loan calculation · Housing loan calculation · Legal limits on consumer credit in Turkey · Glossary
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