Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Kredim 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

Kredim suits people in Turkey who want a small instalment loan or a credit line drawn at a partner store. Its allocation fee is 0.5% of the loan, rates sit at 5.25%, and funding is instant at checkout or by QR code in partner stores.

Key facts

Best for
Small Turkish instalment loans, credit lines and buy now pay later spending at partner stores.
APR
5.25%↗
Loan amount
TRY 500 to TRY 250,000↗
Term
1 to 36 months↗
Arrangement fee
Loan allocation fee 0.50% of the loan (statutory, excl. 15% BSMV); campaign participation fee 199-899 TRY by limit band↗
Credit check
Soft prequal↗
Funding time
Instant at checkout, in partner online stores and in physical partner stores by QR code↗
Rate type
Variable↗
Lender type
Direct lender↗
Eligibility
Aged 18 or over and under 70 with a suitable credit score; no guarantor needed; fully digital process↗
Origination fee (%)
0.5%↗
Loan types
BNPL, Personal, Credit-line↗
Legal entity
TURK Finansman A.S.↗
Headquarters
Turkey↗
Founded
2018↗
Support channels
Help-centre, Phone, Email↗
Features
Credit line, Same-day funding
Official website
kredim.com.tr

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
LinkedInXyoutube.cominstagram.comfacebook.com

Pros and cons

Pros

  • A loan allocation fee set at 0.5%, with rates of 5.25%
  • Loan amounts run TRY 500 to TRY 250,000 and terms run 1 to 36, so a short instalment loan and a longer repayment both fit
  • A credit line you draw as needed, alongside instalment loans and buy now pay later
  • Instant funding at checkout, in partner online stores and by QR code in physical partner stores

Cons

  • The rate type is variable, so the cost of a loan can move
  • A campaign participation fee is charged alongside the allocation fee of 0.5%, and it varies by limit band
  • The credit check is soft prequal, and approval also needs a suitable credit score
Kredim

Ready to try Kredim?

Scored 8.9 / 10 by SumCue.

See alternatives

Who it suits

  • Adults in Turkey with a suitable credit score who want a small instalment loan rather than a long one
  • Shoppers who would rather split a purchase at a partner online store or pay by QR code in a partner store
  • People who want a drawdown credit line to sit alongside a fixed instalment loan

Who should look elsewhere

  • Anyone outside Turkey, since loan amounts run TRY 500 to TRY 250,000 in Turkish lira and funding runs through partner stores in Turkey
  • People who need a long fixed rate term, because the rate type is variable
  • Anyone who cannot pass a credit check, since the check is soft prequal

Deposit protection

Kredim lends as a direct lender rather than a broker, so the credit contract sits with the company itself in Turkey. It is supervised by the Banking Regulation and Supervision Agency, which granted the operating licence through a board decision published in the official gazette. Because Kredim hands out credit rather than holding savings, deposit protection is not the cover that matters here.

How Kredim compares

Where Kredim is available

Available
Turkey
Licence in Turkey
Banking Regulation and Supervision Agency (BDDK) (BDDK Board Decision No. 8321 dated 04/04/2019 (establishment decision No. 8080 of 08.11.2018), Resmi Gazete No. 30851 of 3 August 2019), checked September 26, 2026

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

Frequently asked questions

What does Kredim charge to borrow?+

The loan allocation fee is 0.5% of the loan, which the source lists as statutory and excludes the banking services tax. A campaign participation fee is also charged and is set by limit band, so the two together set the real cost. Interest runs at 5.25% on a variable rate.

How much can I borrow from Kredim and for how long?+

Loan amounts run TRY 500 to TRY 250,000, and terms run 1 to 36, so a small instalment loan and a longer repayment are both possible. Kredim also offers a credit line that you draw down as you need it, rather than a fixed loan you repay in full.

Who regulates Kredim in Turkey?+

Kredim operates as a direct lender and is supervised by the Banking Regulation and Supervision Agency. The operating licence came from that regulator through a board decision published in the official gazette, so the company writes its own credit contracts rather than passing them on to another lender.

What credit check does Kredim use?+

The credit check is soft prequal, so a soft prequalification comes before a full application. Eligibility also asks for a suitable credit score, needs no guarantor, and runs as a fully digital process from application to decision.

How can I get help from Kredim?+

Support runs on help centre, phone and email, so a help centre, phone line and email are all open to you. That mix suits a service that runs entirely digitally, and it means a question about a payment or a repayment date can be raised in writing and kept for reference.

Does Kredim lend outside Turkey?+

Kredim lends in Turkish lira, with amounts set TRY 500 to TRY 250,000 in TRY, and the funding routes run through partner stores in Turkey. Its head office is in Turkey, so borrowers in other countries would need a local lender instead.

Sources

  • kredim.com.tr checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type

    “Kredim, TURK Finansman A.S. markasidir. BDDK tarafindan TURK Finansman A.S.'ye 6361 sayili Kanun uyarinca faaliyet izni verilmistir.”

  • kredim.com.tr/destek checked September 26, 2026

    Backs: Loan amount, Eligibility, Features, Funding time, Loan types, Support channels

    “Kredim Musteri Hizmetleri'ne 0850 988 0 999 numarali hattan 7/24 ulasabilir veya ... adresimize e-posta gonderebilirsin”

  • kredim.com.tr/Faaliyet-Izni checked September 26, 2026

    Backs: Founded, Licences

  • kredim.com.tr/skorlama checked September 26, 2026

    Backs: Credit check

    “Kredim'in ozgun ve akilli skorlama sisteminden ucretsiz yararlan ... Skorun olusunca limit ataniyor”

  • kredim.com.tr/taksit-ve-odeme-periyotlari checked September 26, 2026

    Backs: Term

    “36 aya varan taksitli geri odeme avantaji ... '30 gun sonra ode' secenegiyle yapilan alisverislerde faiz uygulanmaktadir”

  • kredim.com.tr/ucret-ve-faiz-oranlari checked September 26, 2026

    Backs: APR, Arrangement fee, Origination fee (%), Rate type

    “Kredi Tahsis Ucreti %0,50 ... Kampanya Katilim Bedeli ... 0 - 30.000 TL: 199 TL ... 90.001 - 100.000 TL: 899 TL”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Representative example.

Kredim

Kredim

Small Turkish instalment loans, credit lines and buy now pay later spending at partner stores.

8.9/10See alternatives