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Hesapkurdu review

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

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Our verdict

Hesapkurdu puts Turkish banks side by side, so you can read personal loan, mortgage and deposit terms together. It suits adults with regular declared income, with personal loan terms of 1 to 36 on amounts of TRY 500 to TRY 1,000,000 and a hard credit check at application.

Key facts

Best for
Comparing Turkish personal loans, mortgages and deposits in a single place.
APR
37.19% to 127.46%↗
Loan amount
TRY 500 to TRY 1,000,000↗
Term
1 to 36 months↗
Arrangement fee
500 TL bank allocation fee on a 100,000 TL 12-month personal loan↗
Credit check
Hard↗
Funding time
Personal loan applications are usually concluded instantly; 1-2 days where the credit score is risky or income cannot be verified↗
Representative example
12-month 100,000 TL personal loan at the lowest monthly rate of 1.99%: 9,800 TL monthly instalment, 500 TL allocation fee, annual cost ratio 37.19%, total payment 118,102 TL↗
Rate type
Fixed↗
Lender type
Marketplace↗
Free early repayment
Yes↗
Eligibility
Over 18 (some banks set 20); regular declared income; SGK insured employment of at least 6 months; upper age limit generally 65-75↗
Origination fee (%)
0.5%↗
Loan types
Personal, Debt-consolidation, Student, Cash-advance, Credit-line, Secured, Car, Business↗
Credit needed
Fair↗
Legal entity
Hesapkurdu Teknoloji A.S.↗
Headquarters
Turkey↗
Founded
2010↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
hesapkurdu.com

Savings

Headline rate
23% to 44%↗
Minimum deposit
TRY 500↗
Access terms
Deposits compared are time deposits (money locked for the term, interest lost if withdrawn early), on-demand deposits and notice deposits with 7 days written notice↗
Monthly fee
TRY 0↗
Account kind
Fixed↗

Mortgages

Initial rate
2.88%↗
APRC
41.55% to 103.46%↗
Fixed period
1 to 10 years↗
Maximum loan to value
90%↗
Product fee
TRY 17,560↗
Purpose
Purchase↗

Credit cards

Audience
Seniors

Personal insurance

Premium from
TRY 0↗
Provider type
Comparison site↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInX

Pros and cons

Pros

  • Free early repayment, so clearing a personal loan ahead of schedule cuts the interest you would owe.
  • Personal loan terms run 1 to 36 on amounts of TRY 500 to TRY 1,000,000 at a fixed rate.
  • Home purchase borrowing starts at 2.88% and fixes for 1 to 10, with a maximum loan to value of 90%.
  • Deposits pay 23% to 44% on fixed accounts with a minimum deposit of TRY 500.

Cons

  • The credit check is hard, so every application counts as a full credit search.
  • Banks add an allocation fee to a personal loan, and it sits on top of the rate you are quoted.
  • Hesapkurdu is a comparison site and a marketplace, so you deal with the banks it lists rather than with a lender of its own.
Hesapkurdu

Ready to try Hesapkurdu?

Scored 8.6 / 10 by SumCue.

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Who it suits

  • Adults in Turkey with regular declared income and social insurance who want to see several banks at once.
  • Borrowers after a fixed rate personal loan or debt consolidation, since terms run 1 to 36 and amounts of TRY 500 to TRY 1,000,000.
  • People near retirement, since the stated audience includes seniors.

Who should look elsewhere

  • Anyone wanting a much lower rate: Sofkredit runs 10.74% to 18.06%.
  • Borrowers after a euro loan elsewhere in Europe: Creduma ES lends in euro with amounts of from €12,000.
  • People looking at a different market: Cashspace lists PHP 12 to PHP 36.

How Hesapkurdu compares

Where Hesapkurdu is available

Available
Turkey

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

Frequently asked questions

What will a personal loan cost me?+

The annual cost ratio runs 37.19% to 127.46% on personal loans, with amounts of TRY 500 to TRY 1,000,000 and terms of 1 to 36. An allocation fee is added by the bank, so the total repaid sits above the rate alone, and the rate stays fixed for the whole term.

How quickly can I get the money?+

Most personal loan applications are concluded instantly, and same day funding is listed among the product features. A longer wait applies where the credit score is risky or income cannot be verified, so allow for that. The credit check is hard, which runs before an offer.

Can I pay a loan off early?+

Yes. Early repayment is free, so clearing a personal loan ahead of schedule cuts the interest you would otherwise owe. The rate is fixed for the term, and fixed rate is the model listed, so the same rate carries to the end.

What credit and income do I need?+

The credit check is hard and the credit band is fair, so a fair record is the stated starting point. You also need a minimum age, regular declared income, and social insurance held for a waiting period. Banks set their own upper age limit, so check the offer you are given.

What are the terms on a home purchase loan?+

Home purchase borrowing starts at an initial rate of 2.88%, carries an annual cost ratio of 41.55% to 103.46%, and fixes for 1 to 10. The maximum loan to value is 90%, and a product fee of TRY 17,560 is listed. The stated purpose is purchase.

How do the savings deposits work?+

Deposits sit in fixed accounts at headline rates of 23% to 44%, with a minimum deposit of TRY 500. The time deposit locks money for the term, and interest is lost if you withdraw early. On-demand and notice deposits sit alongside it, with notice accounts needing written notice in advance.

How do I get help?+

Support runs on email, phone and help centre, so you can reach the team by phone, by email or through the help centre. Questions on eligibility, the rate you were quoted and the allocation fee are worth putting to the team in writing, so you keep the answer.

Who am I dealing with on Hesapkurdu?+

Hesapkurdu is a comparison site and a marketplace, run by Hesapkurdu Teknoloji A.S. and founded in 2010, so the offers come from the banks it lists rather than from the site itself. Loan types listed include personal, debt consolidation and student.

Sources

  • hesapkurdu.com checked September 26, 2026

    Backs: Audience, Lender type, Monthly fee, Premium from

    “Yeni Musteri Firsatlari ... Emekli Promosyonlari”

  • hesapkurdu.com/hakkimizda checked September 26, 2026

    Backs: Provider type, Founded

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

    Backs: Loan amount, APR, Credit check, Credit needed, Eligibility, Features, Free early repayment, Funding time, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “Min. Tutar 500 TL / Max. Tutar 1.000.000 TL”

  • hesapkurdu.com/iletisim checked September 26, 2026

    Backs: Headquarters, Support channels

    “Hesapkurdu Teknoloji A.S. ... Barbaros Mahallesi Sebboy Sokak No:4/1 Ic Kapi No:77 Atasehir/Istanbul”

  • hesapkurdu.com/konut-kredisi checked September 26, 2026

    Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose

    “Vade Suresi 12 - 120 Ay; ornek 120 ay vadeli 1.000.000 TL Konut Kredisi”

  • hesapkurdu.com/kosullar-ve-gizlilik checked September 26, 2026

    Backs: Legal entity

    “Site'nin sahibi Barbaros Mahallesi Sebboy Sokak No:4/1 ... Atasehir, Istanbul adresinde ikamet eden Hesapkurdu Teknoloji A.S.”

  • hesapkurdu.com/mevduat checked September 26, 2026

    Backs: Access terms, Account kind, Headline rate, Minimum deposit

    “Min. Mevduat Faiz Orani % 23 ... Max. Mevduat Faiz Orani % 44 (deposit rate table dated 26 Eylul 2026)”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Hesapkurdu

Hesapkurdu

Comparing Turkish personal loans, mortgages and deposits in a single place.

8.6/10See alternatives