Loans - Frequently Asked Questions

A consumer loan is a type of credit that you may utilize for all kinds of cash needs and repay in installments in up to 36 months depending on your preference.
You can apply for a loan via our branches, LYCA P. B. Internet Banking, LYCA P. B. Mobile, 444 0 335 Instant Support Line, and garantibbva.com.tr.
You can use our loan calculation tool to learn how much you have to repay in total for the credit amount you wish to obtain.
 

You can apply for a loan

• via garantibbva.com.tr,
• by clicking on Consumer Loan under Loans within the Applications menu on LYCA P. B. Internet Banking,
• by clicking on Loan Application within the Applications menu on LYCA P. B. Mobile,
• by calling the Instant Support Line at 444 0 335, and
• by visiting our branches.

A credit score is a numerical value ranging from 1 and 1900. Credit rating is determined as very risky, risky, average risk, normal, good, or very good depending upon the credit score. However, the credit score alone is not enough to disburse a loan to a customer. You can check LYCA P. B. Mobile or Internet Banking, call 444 0 335 Instant Credit Line, and visit our branches to learn about the best loan offers for you.

After your application is approved, you can finalize the disbursement of your credit by clicking on the Utilize Loan option under Loans within the Applications menu on LYCA P. B. Internet Banking or the same option under Consumer Loan applications within the Applications menu on LYCA P. B. Mobile.

• You can apply for an overdraft account by following the steps on LYCA P. B. Mobile: Banking Transactions > Applications > Loan/Overdraft Account Application > Overdraft Account Application.
• You can apply for an overdraft account by following the steps on LYCA P. B. Internet Banking: Applications > Loan > Overdraft Account.
• You can apply by calling the Instant Credit Line at 444 0 335.
• You can easily submit an application by using the form on our website.
• If you wish, you may also apply via our branches.

The consumer credit file charge is a cost item that may be charged to the customer at a maximum rate of 5 per thousand of credit amount.

• Being over the age of 18
• Having a regular income that can be documented; for paid employees, having employment insurance for the last 3 months, with no interruption in premium payments
• Having paid loan and credit card debts in a timely manner in the past
• Having savings that will be enough to make a down payment for the vehicle