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Getir Finans review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Getir Finans lends directly in Turkey at an APR of 80.186%, far above the site median of 15.5%. It suits borrowers who want a fixed rate personal loan or a revolving credit line released instantly, and who expect to pay for that speed.

Key facts

Best for
Fast, fixed-rate personal borrowing in Turkey with instant release and a revolving credit line on the same app.
APR
80.186%↗
Loan amount
TRY 1,000 to TRY 715,000↗
Term
36 months↗
Arrangement fee
0.5% of the loan as a credit allocation fee (kredi tahsis ücreti), excluding BSMV↗
Funding time
apply in seconds, money reaches the account instantly↗
Representative example
ihtiyaç kredisi: TRY 50,000 over 12 months, 3.79% monthly interest, 80.1856% annual cost of credit, TRY 5,618.07 monthly installment, TRY 67,416.85 total repayment↗
Rate type
Fixed↗
Lender type
Direct lender↗
Origination fee (%)
0.5%↗
Loan types
Personal, Credit-line↗
Legal entity
Getir Teknolojik Hizmetler A.S.↗
Headquarters
Turkey↗
Founded
2022↗
Support channels
Help-centre, Chat↗
Pricing model
Fixed rate
Features
Same-day funding, Credit line
Official website
getirfinans.com

Savings

Headline rate
41%↗
Minimum deposit
TRY 2,500↗
Access terms
Daily accrual easy-access: balance received by 17:00 on a business day earns interest, amounts withdrawn after 17:00 earn no interest that day; weekend and holiday interest credited on the next business day; the amount below the tier alt limit earns no interest↗
Monthly fee
TRY 0↗
Account kind
Easy access↗

Credit cards

Annual fee
TRY 0↗
Rewards type
Points↗
Rewards rate
%3 getirpara↗
Perks
Installments↗
Card kind
Credit↗

Debit cards

Card type
Debit↗
Cashback rate
1%↗

Facts checked September 26, 2026, 9 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedInXfacebook.com

Pros and cons

Pros

  • Fixed-rate personal loans over 36 months, from TRY 1,000 to TRY 715,000
  • apply in seconds, money reaches the account instantly
  • A credit card and a debit card, both at no charge
  • A easy access account paying a 41% headline rate

Cons

  • APR of 80.186% against a site median of 15.5%
  • A credit allocation fee of 0.5% is added to the loan
  • Support runs on help centre and chat only
Getir Finans

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Scored 8.7 / 10 by SumCue.

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Who it suits

  • Borrowers in Turkey who need money released the same day
  • People who want a credit line and a savings account alongside a personal loan
  • Fixed-rate borrowers who prefer instalments set at the start of the loan

Who should look elsewhere

  • Anyone looking for low-cost borrowing, since the APR of 80.186% is among the highest on the site
  • Borrowers who want a regulated savings yield, because the easy access account pays a 41% headline rate
  • People who need phone support, as support runs on help centre and chat only

Where it sits among rivals

Getir Finans is a direct lender founded in 2022 and based in Turkey, operating as Getir Teknolojik Hizmetler A.S.. On loan amount it ranks 632 of 665, and on APR 311 of 338, placing it in the higher cost group. Its 36 month term ranks 109 of 226, close to the site median of 36 months.

How Getir Finans compares

Where Getir Finans is available

Available
Turkey
Licence in Turkey
BDDK (Banking Regulation and Supervision Agency), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a Getir Finans personal loan cost?+

The annual cost of credit is 80.186% on a fixed rate, well above the site median of 15.5%. A credit allocation fee of 0.5% of the loan is charged as well, excluding BSMV. Borrowing can run for up to 36 months.

How much can I borrow and for how long?+

Personal loans run from TRY 1,000 to TRY 715,000, so both small and larger sums are possible. The rate is fixed, which means the instalment is set at the start and does not move. Terms last up to 36 months.

How quickly does the money arrive?+

Funding is described as apply in seconds, money reaches the account instantly, so there is no waiting period once a loan is approved. A credit line is also available, and both sit under personal and credit line. Repaying early is not restricted, which suits anyone who expects their income to rise.

Is Getir Finans regulated?+

Yes. The provider is licensed by BDKK (Banking Regulation and Supervision Agency) in Turkey, and the contracting entity is Getir Teknolojik Hizmetler A.S.. It is a direct lender, so applications are handled in house rather than passed to third parties.

What does the savings account pay?+

The account is a easy access account with a 41% headline rate, far above the site median of 3%. A minimum deposit of TRY 2,500 applies. Interest is calculated daily: money received by the stated cut-off on a business day earns interest, while amounts taken out after that point earn none that day.

What are the card fees and rewards?+

There is no charge on either card, with a TRY 0 on the credit card and a TRY 0 on the debit card. The credit card adds installments, while spending on the debit card earns cashback at 1%. The savings side also runs points.

How can I get help?+

Support is offered through help centre and chat, which covers a help centre and live chat. There is no phone line listed, so time-sensitive questions are quicker in the chat window. Account questions can also be raised in the app alongside the loan.

Who is this provider aimed at?+

It suits adults in Turkey who want a fixed rate personal loan, a credit line or a savings account in one place. The overall score is 3 out of ten, with the offer part at 3.2 and the cost part at 2.9, so the range of products is the stronger side. The business began in 2022, making it a newer name than most rivals listed here.

Sources

Compiled from 10 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Getir Finans

Getir Finans

Fast, fixed-rate personal borrowing in Turkey with instant release and a revolving credit line on the same app.

8.7/10See alternatives