Car loan application
On a car loan the car sets the ceiling: banks look at its insured value in the TSB list (for a new car, the invoice value) and its age rather than at the price on the sticker. Leave your request and let bankers tell you how much they can lend on that car.
Pick your car and see the banks' instalments
Choose the model year, the make and the model. See the legal limit and an example instalment at each bank's published rate, then leave a request for this car.
The list covers model years 2012–2026.
Choose the car; its insured value and the legal limit appear here.
What the banks publish this week
22 banks publish a rate between 3.11% and 5.99%.
Read from the banks' own pages on 2 November 2026. These are published rates, not offers.
Rates bank by bank →Documents needed for a car loan
- Identification
- Proof of income: a payslip, an SGK service record, or a tax registration certificate
- A proforma invoice for a new car, or a copy of the registration for a used one
- For a used car, its insured (kasko) value
- A comprehensive insurance policy — most banks require one while their lien is on the car
What decides the answer
- The car's insured value (for a new car, the invoice value); the loan is capped against that, not against the sale price
- The age of the car — the older it is, the smaller the share that can be lent
- Whether the car is new or used
- Your Findeks score and the instalment as a share of your income
Legal limits
| Vehicle value | Loan / value | Maximum term |
|---|---|---|
| 400,000 TL and below | 70% | 48 months |
| 800,000 TL and below | 50% | 36 months |
| 1,200,000 TL and below | 30% | 24 months |
| 2,000,000 TL and below | 20% | 12 months |
| Above 2,000,000 TL | No credit available | — |
Basis: BDDK Kurul Kararı 10099 · 21.02.2022
| Vehicle value | Loan / value | Maximum term |
|---|---|---|
| 2,500,000 TL and below | 70% | 48 months |
| 5,000,000 TL and below | 50% | 36 months |
| 6,500,000 TL and below | 30% | 24 months |
| 7,500,000 TL and below | 20% | 12 months |
| Above 7,500,000 TL | No credit available | — |
Basis: BDDK Kurul Kararı 11158 · 06.03.2025
Common questions
Which documents does a car loan need?
Banks usually ask for: identification; proof of income (a payslip, an SGK service record, or a tax registration certificate); a proforma invoice for a new car, or a copy of the registration for a used one; for a used car, its insured (kasko) value; a comprehensive insurance policy (most banks require one while their lien is on the car). It varies from bank to bank; the banker who writes to you gives the exact list.
Can I get a loan on a used car?
Yes, but the amount is capped by the car's insured value and its age, and most banks will not lend on cars over a certain age.
Can I borrow the full price of the car?
No. The loan as a share of the car's value is capped by regulation, and the cap changes with the value of the car.
Is comprehensive insurance compulsory?
Because the bank places a lien on the car, most banks require it for the life of the loan. The banker who takes up your request will tell you what their bank asks for.
Is there a fee?
Leaving a request is free. KrediBul charges nothing to the side looking for a loan.
Does leaving a request affect my credit score?
No. A request is not an application; nothing is queried at any bank and no Findeks record is created. A score query happens only when you apply to a bank yourself.
Who sees my phone number?
Bankers do not see your phone number or email unless you share them. We email you when a banker writes.
KrediBul is not a bank. It does not lend, does not set rates and does not forward your request to a bank. What it does is show your request to bankers; the offer and the decision belong to the bank's own process.
Other loans
Leave your request
The amount, the term and your contact details. Bankers write to you through KrediBul; your phone number and email are seen only by a banker you share them with.
Know before you sign
Before you leave a request, read Bankacı's reference pages: the legal limits in force, the average rates people are entering, and what the loan terms mean. All free, no account needed.
Legal limits on loans
The BDDK's maximum term and loan-to-value limits by amount, each with the Board decision it rests on.
bankaci.app →Average interest rates
The average rates Bankacı's users calculated with over the last seven days, and the most-calculated brackets.
bankaci.app →Loan glossary
KKDF, BSMV, effective rate, balloon payment, early-payment compensation: every term on the calculation screen, defined.
bankaci.app →