Loan

Standard Consumer Loan

Features

With Standard Consumer loan, you may easily apply for solutions to all individual needs, from education to healthcare, automatic payments to insurance payments, for up to 36 months’ term, via ON or ON Internet Banking.

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If you are not an ON’ner yet; download ON, complete the form in the Become our Customer step, and become an ON’ner after video call with specialist account managers.

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Interest Rate

Kredi Tutarı	Vade	Faiz Oranı	Aylık Taksit Tutarı	Sigorta Ücreti	Yıllık Maliyet Oranı
10.000 TL	6	0,99%	1.739,59 TL	90 TL	15,9036%
20.000 TL	6	0,99%	3.479,19 TL	180 TL	15,9036%
10.000 TL	12	1,89%	966,77 TL	179 TL	32,3406%
10.000 TL	24	1,89%	550,67 TL	300 TL	32,3406%
10.000 TL	36	1,89%	415,53 TL	360 TL	32,3406%

The interest rates in the table are applicable for consumer loans for the needs of Individual Banking customers in the specified amount and terms.

The cost rates in the tables include all expenses except insurance (interest, loan allocation fee, taxes, funds). Our Bank is authorized to unilaterally change the specified terms, campaign term, interest rates, service commission rates according to changing market conditions, and in this context, our Bank has the discretion on whether to provider the advantages above to our customers or not.

Monthly Contractual Interest Rate (0.99% per month) only shows the interest rate valid for the cases of extension of loans through issuance of life insurance policy if demanded so by new customers who are going to participate in ON.

Monthly Contractual Interest Rate varies according to Findeks Credit Rating. The sample calculation is based on a Findeks Credit Rating of over 1.850 and the monthly interest rate of 1.89%, which is valid for a life insurance loan with a maturity of 12 months or an unemployment insurance loan with a maturity of 18 months.

Amount of premiums payable for life insurance and unemployment insurance varies according to the loan instalment amount, interest rate, age of customer, and loan maturity. It is calculated at the time of application filed for loan facility. On-demand insurance amount is not included in the calculation of loan cost rates.

Super Account

Features

Bill payments, rent, school instalment, credit card payment... did all payments come one after another? Relax, you have a loan limit now for all such payments, with ON.

It is an account with a loan limit defined on your demand deposit account. Even if you don’t have money in your demand deposit account, you can withdraw money from your loan account to meet urgent cash needs, and pay interest only for the amount and time taken.

Payments: Your automatic payment instructions or manually paid bills, rent, education or other regular payments will be paid without any problem, even if your account balance is not sufficient, thanks super account.

Cash needs: When you need more than the money in your account, super account steps in, to relieve you of the cash problem.

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