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Hangikredi review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Hangikredi is a Turkish marketplace that puts bank loan offers in a single place, which suits borrowers with documented income and a social security registration history. Funding is same day for the banks' instant products, at a fixed rate, and the arrangement fee is 0.5%.

Key facts

Best for
Comparing fixed-rate personal loan offers from Turkish banks before applying.
APR
0% to 4.39%↗
Loan amount
TRY 250 to TRY 2,000,000↗
Term
1 to 36 months↗
Arrangement fee
Up to 0.5% of the loan amount (dosya masrafi, kredinin binde 5'i)↗
Funding time
Same day for banks' instant loan products↗
Rate type
Fixed↗
Lender type
Marketplace↗
Free early repayment
No↗
Eligibility
18 or older and legally adult, documented income, and at least 3 months of social security (SGK) registration (some banks require 6 months)↗
Origination fee (%)
0.5%↗
Loan types
Personal, Secured, Car, Business, Student, Cash-advance↗
Credit needed
Good↗
Use cases
Home-improvement↗
Legal entity
Hangisi Internet ve Bilgi Hizmetleri A.S.↗
Headquarters
Turkey↗
Founded
2006↗
Support channels
Phone↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
hangikredi.com

Mortgages

Initial rate
2.65%↗
Purpose
Purchase↗

Facts checked September 26, 2026, 4 sources

Pros and cons

Pros

  • Fixed pricing keeps the instalment steady: fixed, fixed rate.
  • Speed for urgent needs: Same day for banks' instant loan products.
  • A wide panel, personal, secured and car, so one application can reach several lenders.
  • Established operator, trading since 2006 under Hangisi Internet ve Bilgi Hizmetleri A.S..

Cons

  • An arrangement fee of 0.5% sits on top of 0% to 4.39%, so the headline rate is not the full cost.
  • Free early repayment is no, so ending the loan ahead of term can cost extra.
  • Support runs on phone only, with no email or live chat option.
Hangikredi

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Scored 8.6 / 10 by SumCue.

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Who it suits

  • Borrowers with documented income and a waiting period of social security registration who want a fixed-rate loan in Turkey.
  • People who need money on the same day and can pick a bank's instant loan product.
  • Anyone funding home improvement work, the use case listed for the service: home improvement.

Who should look elsewhere

  • Borrowers who want to settle the loan early at no cost: free early repayment is no here, so Sofkredit is the alternative to put on the shortlist on that point.
  • Anyone wanting euro amounts rather than Turkish lira: Creduma ES lists amounts of from €12,000.
  • Readers who want help on more than one channel: phone is the only route listed for Hangikredi, so Cashspace is worth a look.

How Hangikredi compares

Where Hangikredi is available

Available
Turkey

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

Frequently asked questions

What does a Hangikredi loan cost?+

Interest runs at 0% to 4.39% on a fixed basis, and an arrangement fee of 0.5% of the amount is charged on top. Amounts stretch from TRY 250 to TRY 2,000,000 and terms run 1 to 36, so the instalment depends on the amount and the term you pick.

Is Hangikredi the lender or a broker?+

It is not the funder. marketplace marks it as a marketplace, and the offer you see comes from a bank on the panel, so the rate, the fee and the term are that bank's terms rather than Hangikredi's.

How fast can I get the money?+

It depends on the product: Same day for banks' instant loan products. The instant loan range from the partner banks can clear on the same day, while other applications follow that bank's normal process. Pick the instant option if the payment date matters.

What credit and documents are needed?+

Credit of good is the level the partner banks expect. Applicants also need a minimum age, documented income and a waiting period of social security registration, and some banks ask for a longer one.

Can I repay the loan early without a charge?+

Free early repayment is no, so ending the loan before the term runs out can cost extra. Weigh that against the fixed rate of fixed and terms of 1 to 36 before you sign.

Where is Hangikredi and who runs it?+

Hangikredi is based in Turkey and serves Turkish borrowers, with applications run by Hangisi Internet ve Bilgi Hizmetleri A.S.. The service has been trading since 2006, and it operates as a marketplace for the bank offers it lists.

How do I get help?+

Support runs on phone only, so phone is the only route in. There is no email or live chat option, which matters if you would rather have answers in writing than on a call.

What can I use the money for?+

The listed use is home improvement: home improvement. The panel covers personal, secured and car products, so a single application can reach personal, car, business, student and cash advance lending depending on the bank you pick.

Sources

  • web.archive.org/web/20260102123749/https://www.hangikredi... checked September 26, 2026

    Backs: Headquarters, Initial rate, Legal entity, Purpose, Support channels

    “Anel Is Merkezi Yamanevler Mah. Site Yolu Cad. No:5/6 34768 Umraniye/ Istanbul”

  • hangikredi.com checked September 26, 2026

    Backs: Loan types

  • hangikredi.com/hakkimizda checked September 26, 2026

    Backs: Founded

  • hangikredi.com/kredi/ihtiyac-kredisi checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Eligibility, Features, Free early repayment, Funding time, Lender type, Pricing model, Arrangement fee, Origination fee (%), Rate type, Term, Use cases

    “Kredi tutari (min-max) ... Albaraka Turk 250 TL - 150.000 TL ... Kuveyt Turk 1.000 TL - 2.000.000 TL”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check, Representative example.

Hangikredi

Hangikredi

Comparing fixed-rate personal loan offers from Turkish banks before applying.

8.6/10See alternatives