Consumer Loan Calculator

​​For all your needs!

With Akbank Consumer Loan you can meet any personal needs you might have!

For all your needs such as covering education expenses, renovating your house, meeting health expenses, paying for a vacation or purchasing electronic goods, you can benefit from "Akbank Consumer Loan"

For all these needs, we have special loans designed such as “Akbank Home Improvement Loan”, “Akbank Education Loan”, “Marriage Loan”, or “Consumer Loan for Professionals”.

These specialized loans are offered in return for a receipt or invoice and with feature rates more attractive than those on standard consumer loans.


  • Extended in TL
  • Equal installments

Required terms

  • Anybody who has turned the age of 18
  • Life insurance shall be executed

Required documents

  • Original and photocopy of the proof identity (National ID, Driver's License or Passport)
  • A document affirming the residence address in Turkey
  • Income Statement
  • Residence permit and work permit in Turkey (for foreigners only). Residence and work permit should be valid during the entire loan period.
  • Turkish guarantor is required (for foreigners only)
  • For Marriage Loans and Home Improvement Loans, an invoice for the entire amount of the expenditure, a document proving purchase, a pro forma invoice or a receipt
  • For Education Loans, an invoice noting the school’s bank account number

Costs and insurances relating to the Loan

  • Up Front Fee
  • Life insurance
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Frequently Asked Questions

For what needs can I take out consumer loan?

You can use it for all your needs from marriage to electronic goods, from household goods to holiday, and from white goods to education of your children.

Is there a maximum loan amount for the Consumer Loan?

No, an upper limit is not applied to consumer loans. Each customer is assessed and the maximum loan amount is then determined. For the high-amount consumer loans, additional guarantor/guarantees may be requested as a result of the customer assessments. For the high-amount consumer loans (for example, Mortgaged Consumer Loan), a residential/workplace mortgage may be taken as guarantee.

How long does it take for my Consumer Loan application to go approved? When can I use it?

Your loan application is assessed by your branch and is replied within a maximum of 2 business days after the necessary documents are presented. In case a real estate is taken as guarantee for the Mortgaged House Improvement Loan and the Mortgaged Consumer Loan, the periods to conduct an appraisement and to put a hypothec on the relevant real estate apply to the period of time to use the approved loan. Appraisement results are submitted within a maximum of 3 business days as of the date of application. The appraisal application is made by our branches on behalf of you.

How can I make my loan installment payments?

You can deposit your installment payments to the account connected to your loan at all Akbank ATMs. As another option you can define an account connected to your loan and you can deposit your installment amounts to this account regularly. The bank automatically collects your installment payments from this account.

Do I need a guarantor to apply for the loan?

There is no obligation to indicate a guarantor during the loan application. However, after your loan application has been assessed, in some cases it may be requested to indicate a guarantor.

Do you offer flexible payment schedule options for the Consumer Loan?

Yes, we have the option of paying equal installments every month throughout the loan term, as well as the payment schedule options with interim payments, increasing payments, grace period, and periodic payments.

Can I make interim payments during the term to reduce my loan debt?

Yes, you can make interim payments at the desired amounts throughout the loan term.

Is a RUSF and BITT exemption possible for Consumer Loans?

It is not available for the consumer loans by retail customers.

Is there any discount on the Consumer Loan interest rate for salary customers?

Yes, a discount is offered.

Can I align my salary payment dates and installment payment dates?

Yes, you can. Your loan installment is collected on the date when your salary is deposited to your account every month.

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For further information, please contact our Expat Banking remote relationship managers:

0 262 687 70 40