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Personal Finance

​​​​​​​​​​​​​​​Personal Finance extends you the necessary finance for your personal needs pursuant to the principles of Participation Banking.

Application process is easy and fast. Türkiye Finans Personal Finance lets you enjoy the benefits of addressing all your wishes and needs at affordable terms without having to delay them.

How to Apply for Personal Finance


Required Documents for Application
  • ID, driver’s license or passport
  • Income statement/payroll
  • Most recent tax certificate and approved balance sheet, income statements and trial balance covering last year, signatory circular, articles of association, and the Trade Registry gazette showing the latest share in partnership for the self-employed and business owners.
  • Pro-forma invoice for the subject matter of finance.

For salaried people, the signatory circular of the employing company is required if the payroll is declared on a document with letterhead.

The Bank reserves the right to request a guarantor or additional documents if and when it deems necessary. The same documentation will be requested for the guarantor.

Table of Costs for General Personal Finance

TermProfit MarginAllocation FeeTotal Monthly CostTotal Annual Cost
12 Months1.79%0.50%2.31%31.47%
24 Months1.79%0.50%2.24​%30.31%
36 Months1.79%0.50%2.20%29.77%
​48 Months1.79%0.50%2.18%29.56%

Legal taxes are included in the total commission amount in the consumer financing payment table prepared as an example based on TRY 10.000. The profit rates stated in the cost table calculation are applied on the condition that Reserve Account, Financing Assurance Insurance, Automatic Bill Payment Order products are all purchased together with the financing application. Profit rates are subject to change in cases where the relevant products are already owned or the related products are not purchased together with the financing application. In cases where the financing amount is less than TRY 50.000, the maximum maturity cannot exceed 36 months and where the financing amount is more than TRY 50.000, the maximum maturity cannot exceed 24 months. The allocation fee is a part of the financing pricing. The allocation fee is 5 per thousand of the financing amount excluding taxes. Commission and legal taxes are included and insurance costs are not included in monthly and annual cost rates. The Bank is entitled to freely evaluate the financing applications, to request guarantors and other guarantees and additional documents thereof, to reject the applications that it does not deem appropriate, and to make changes in the pricing. The information on the general fees and charges applied to the financing to be used without having the above-mentioned products are available on our Product and Service Fees page. Please visit our branches for further information.​