Consumer Loan

Do not put off your dreams, get a Consumer Loan from Alternatif Bank!?

  • Easy Application
  • Favourable Payment Options
  • One-to-one Customer Support?

Live your life to the fullest with Alternatif Bank Consumer Loan!

Consumer Loan is a type of loan which enables you to make all your payments that you need in your daily life. With Alternatif Bank Consumer Loan, you can make your payments without a care for all your needs such as white appliances, clothing, vacation and children’s school expenses at favourable interest rates.

How To Apply For A Consumer Loan?

You can complete your Alternatif Bank Consumer Loan application in 4 simple steps.

  • 1

    Apply for a loan

  • 2

    Learn your credit decision

  • 3

    Decide on your repayment schedule

  • 4

    Your loan will be deposited to your account instantly

Consumer Loan Features

Do not put off your dreams and fulfill your needs now with Alternatif Bank Consumer Loan!

Maturity

You can borrow your loan with term options starting from 3 months up to 60 months.

Collateral
No collateral is required for Consumer Loan. (As per credit assessment, Alternatif Bank reserves the right to request a guarantor.)

Tax and Funds

15% RUSF and 5% BITT charges apply. 
Insurance 

The premium amount of your Life Insurance, which will be initiated by your branch simultaneously with your loan, may vary depending on age, gender and amount of loan.

Currency 

You can take out your loan in Turkish Lira currency only.

Required Documentation

Below you may find the documents required for application:

  • - Identity Card or TR Identity Card
  • - Certificate of Residence
  • - Income Certificate


1. Payroll or income letter for salaried employees

Current payroll, SSI service document or SSI registration number, employer registration number, net monthly pay and income letter including earnings attachment/deduction document and authorised signatory list.

2. For pensioners:

Pensioner ID Card or Monthly Pension Allowance Document/Pension Passbook

3. For self-employed:

FThe company’s current tax sheet and annual income tax/current business account statement

4. For partnerships:

The company’s current tax sheet and annual corporate tax return 

5. For rental income earners:

The title deed of rental property, rental contract or document of rental collection

Frequently Asked Questions About Consumer Loans

Who can apply for the Consumer Loan?

All customers residing in Turkey over 18 years of age and with regular income are eligible to apply for a Consumer Loan..

What should I pay attention to to get a Consumer Loan in the future?

Your ongoing payments and repayment performance of your loans or credit card debts will both prevent any negative impact on your credit score and your track record will constitute a reference for your new application.

Which documents do I need for my application?

You need to have a regular income to apply for a Consumer Loan. Documents required for application include identity card or TR Identity Card, certificate of residence or a copy of bill registered in your name and income certificate. Below you may find the documents which will be required depending on your income status.

1. Payroll or income letter for salaried employees

Current payroll, SSI service document or SSI registration number, employer registration number, net monthly pay and income letter including earnings attachment/deduction document and authorised signatory list.

2. For pensioners

Pensioner ID Card or Monthly Pension Allowance Document/Pension Passbook

3. For sole proprietorships

The company’s current tax sheet and annual income tax return/current business account statement

4. For partnerships

The company’s current tax sheet and annual corporate tax return

5. For rental income earners

The title deed of rental property, rental contract or document of rental collection

How can I restructure a Consumer Loan?

Loan restructuring is basically refinancing of monthly repayments by taking out a new loan with an update on the repayment schedule for the outstanding debt owed by customers with insolvency. These customers can get detailed information and apply at Alternatif Bank Branches.

Other Loans

There is an Alternatif Bank loan for every need!

Home Equity Loan

Home Equity Loan from Alternatif Bank for your large cash needs!

Deferred Loan

Take out a loan now for all your cash needs, start paying 3 months later!

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