Is the effective annual cost rate calculated?

No, only the monthly interest percentage is shown; a separate effective annual cost rate is not calculated.

Are the interest rates current, or are they updated automatically?

No, the rates are manually entered sample rates and are not updated automatically. The page shows the date on which the rates were last reviewed; you need to confirm the current rate with the bank at the time of application.

Can I download or print the comparison results?

Yes, you can download the results as CSV and print them. You can also reset the interest rates you entered and return to the sample rates.

Personal Loan Comparison Tool - Compare

Loan Amount (TRY)Term (months)

Include taxes (15% KKDF + 5% BSMV on interest)

Last verified: 2026-07-12

#	Bank	Installment	Total Repayment	Total Interest+Fees	Apply
1	Ziraat BankasıCHEAPEST	TRY 10,996.75	TRY 131,961.03	TRY 31,961.03	Apply ↗
2	Halkbank	TRY 11,072.27	TRY 132,867.21	TRY 32,867.21	Apply ↗
3	Vakıfbank	TRY 11,148.04	TRY 133,776.50	TRY 33,776.50	Apply ↗
4	İş Bankası	TRY 11,300.37	TRY 135,604.38	TRY 35,604.38	Apply ↗
5	Akbank	TRY 11,346.26	TRY 136,155.15	TRY 36,155.15	Apply ↗
6	Garanti BBVA	TRY 11,376.91	TRY 136,522.95	TRY 36,522.95	Apply ↗
7	Yapı Kredi	TRY 11,453.72	TRY 137,444.58	TRY 37,444.58	Apply ↗
8	QNB	TRY 11,530.77	TRY 138,369.28	TRY 38,369.28	Apply ↗

Example rates — confirm the current rate with the bank at application time (July 2026).

The calculation uses the equal-installment (annuity) loan formula. Turkish consumer loans may add 15% KKDF and 5% BSMV on interest; use the "Include taxes" option to factor this in. Allocation fees, insurance and other charges vary by bank and are not included here. Results are not a binding offer.

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💰 This tool is not financial advice — it is only a calculation aid. For investment decisions, consult a licensed investment advisor. Past performance does not guarantee future returns.

Frequently asked questions

No, there is a fixed list of 8 banks; you can only edit the rates of the existing banks.

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Consumer Loan Comparison (8 Banks)