Consumer Loan

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

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.

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

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.