Personal loan application
You leave one request, and the bankers who see it write to you through KrediBul. No separate application to each bank, no separate form for each branch.
What the banks publish this week
27 banks publish a rate between 2.84% and 6.5%.
Read from the banks' own pages on 2 November 2026. These are published rates, not offers.
Rates bank by bank →Documents needed for a personal loan
- Identification
- Proof of income: a payslip, an SGK service record, or a tax registration certificate if you are self-employed
- Your address; some banks ask for a utility bill from the last three months
- If you are retired, your pension document and the bank that pays your pension
What decides the answer
- Your Findeks credit score and payment history
- The instalment as a share of your income — banks count your existing loan instalments too
- Your existing relationship with the bank; having your salary paid there usually means a different rate
- The term you ask for: maximum terms and amounts on personal loans are set by regulation
Legal limits
| Loan amount | Maximum term |
|---|---|
| 125,000 TL and below | 36 months |
| 250,000 TL and below | 24 months |
| Above 250,000 TL | 12 months |
Basis: BDDK Kurul Kararı 11152 · 13.02.2025
Common questions
Which documents does a personal loan need?
Banks usually ask for: identification; proof of income (a payslip, an SGK service record, or a tax registration certificate if you are self-employed); your address (some banks ask for a utility bill from the last three months); if you are retired, your pension document and the bank that pays your pension. It varies from bank to bank; the banker who writes to you gives the exact list.
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.
How soon will someone get back to me?
The request appears in the pool bankers using the Bankacı app see; a banker who is interested writes to you through KrediBul and we let you know by email. The bank's own approval process starts later, once you move to a branch or to online banking.
Is there a fee?
Leaving a request is free. KrediBul charges nothing to the side looking for a loan.
Can I change my request afterwards?
Yes. Sign in to the Bankacı app with the e-mail you left the request with, and you can update the amount and term, see how many bankers have taken it up, and withdraw it.
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 →