Hayat Finans Mobile

Türkiye's First Digital Bank

Personal Finance

Make your life easier with affordable payment plans in Hayat Finans consumer financing!

What is Personal Finance? Features How to apply? Frequently Asked Questions
Personal Finance

What is Personal Finance?

It is a Service Rental (Icare) financing product that offers an advantageous profit rate and convenient repayment options, which you can use to finance your service purchases such as holiday, education, health, home renovation.
 

Consumer Financing is now on Hayat Finans Mobile to make your life easier in your special moments and unexpected expenses!


Consumer Financing used within the scope of Participation Banking principles and standards can only be transferred to third parties or institutions that provide services or act on behalf of the service provider in accordance with your intended use.

Personal Finance Features

  • Your maximum financing limit can reach up to TRY 200,000.
  • You can choose your own payment plan with terms of up to 36 months.

How to apply Personal Finance?

By logging in to Hayat Finans Mobile application, current customers can instantly access and enjoy the Bana Bunu Al opportunities.

If you are not currently a Hayat Finans customer, you can become one within minutes by downloading Hayat Finans Mobile application and having a video call. 

Click here to become a customer via video call.

Financing Cost Statement

MaturityProfit RatioAllocation FeeTotal Monthly CostTotal Annual Cost
64.79%0.00%6.23%106.45%
124.79%0.00%6.23%106.45%
184.79%0.00%6.23%106.45%

The provided cost table is based on a TRY 10,000 amount and includes monthly and annual cost percentages, along with allocation fees and applicable taxes. The maximum maturity of the financing is 18 months. Mobile phone purchases up to TRY 12,000 are limited to 12 installments, mobile phone purchases over TRY 12,000 are limited to 3 installments, computer purchases are limited to 12 installments, and tablet purchases are limited to 6 installments. The maximum financing period is 36 months for financing amounts up to TRY 50,000, 24 months for financing amounts between TRY 50,000 and TRY 100,000, and 12 months for financing amounts over TRY 100,000. Regardless of the allocated limit to the customer, a reevaluation is conducted at the moment of expenditure. The bank has the authority to freely assess financing applications, request guarantors and additional documentation, decline applications it deems unsuitable, and modify pricing as needed. 

You can apply for consumer financing for a minimum of 1,000 TL and a maximum of 200,000 TL from Hayat Finans Mobile.

You can pay your Consumer Financing in installments for up to 36 months.

Within the scope of the legal regulation for consumer financing, maturity options are determined as 36 months if the financing amount is up to 50,000 TL, 24 months between 50,000 - 100,000 TL, and 12 months at most if the financing amount is more than 100,000 TL.

To apply, all you have to do is be our customer and log in to the Hayat Finans Mobile Application.

You can make your application from Hayat Finans Mobile without requiring any documents.

Your application is evaluated quickly and finalized within seconds.

You can only transfer the Consumer Financing used within the scope of Participation Banking principles and standards to third parties or institutions that provide services in accordance with your intended use or to third parties or institutions acting on behalf of the service provider, and you cannot transfer it to your own name.

You can make your installment payments by logging into the Hayat Finans Mobile application and selecting the financing you want to pay from the "My Finances" menu on the home page.

Yes, you can complete your transaction by logging into the Hayat Finans Mobile application and selecting the financing you want to close early from the "Financings" menu on the home page.
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