Hangikredi review

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

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Our verdict

Hangikredi suits borrowers in TR who would rather compare offers from several banks in a single application than visit banks separately. It works as a marketplace rather than a lender, and borrowing costs an APR of 0% to 4.39% plus a file fee of 0.5%% of the loan.

Key facts

Best for
Comparing fixed-rate offers from several banks in a single application.
APR
0% to 4.39% (Source, checked September 26, 2026)
Loan amount
TRY 250 to TRY 2,000,000 (Source, checked September 26, 2026)
Term
1 to 36 months (Source, checked September 26, 2026)
Arrangement fee
Up to 0.5% of the loan amount (dosya masrafi, kredinin binde 5'i) (Source, checked September 26, 2026)
Funding time
Same day for banks' instant loan products (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
18 or older and legally adult, documented income, and at least 3 months of social security (SGK) registration (some banks require 6 months) (Source, checked September 26, 2026)
Origination fee (%)
0.5% (Source, checked September 26, 2026)
Loan types
Personal, Secured, Car, Business, Student, Cash-advance (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Hangisi Internet ve Bilgi Hizmetleri A.S. (Source, checked September 26, 2026)
Headquarters
Turkey (Source, checked September 26, 2026)
Support channels
Phone (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
hangikredi.com

Mortgages

Initial rate
2.65% (Source, checked September 26, 2026)
Purpose
Purchase (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Legal entity
Hangisi Internet ve Bilgi Hizmetleri A.S. (Source, checked September 26, 2026)
Headquarters
Turkey (Source, checked September 26, 2026)
Support channels
Phone (Source, checked September 26, 2026)

Pros and cons

Pros

  • Payout can be same day: Same day for banks' instant loan products.
  • Amounts of TRY 250 to TRY 2,000,000 cover both small jobs and larger purchases.
  • Rates are fixed, so the repayment figure does not shift once agreed.
  • Support runs on phone.

Cons

  • Free early repayment is no, so clearing the balance ahead of schedule earns no discount.
  • A file fee of 0.5%% of the amount borrowed is charged on top of the interest.
  • The cheapest end of the range of 0% to 4.39% is aimed at applicants with a good credit record.
Hangikredi

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Scored 8.4 / 10 by BorrowCue.

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Who it suits

  • Borrowers in TR with documented income and a minimum waiting period of social security (SGK) registration, with some banks asking for a longer period.
  • People who want a fixed rate and care more about the headline cost than about stretching the term.
  • Applicants with a good credit record shopping for home improvement work as well as other needs.

Who should look elsewhere

  • Not for anyone hoping to clear the loan early at no charge, since free early repayment is no.
  • Not for applicants with no credit record to fall back on, as offers here ask for a good credit record.
  • Not for anyone weighing like for like rates abroad: Cashspace quotes PHP 12 to PHP 36 in a different market, so the numbers do not sit side by side.

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?+

The headline figure is an APR of 0% to 4.39%, set at a fixed rate. A file fee of 0.5%% of the amount borrowed is also listed. Because Hangikredi is a marketplace, the offer comes from a bank rather than from the site itself.

Is there an arrangement fee, and how large is it?+

Yes, an arrangement fee applies, charged on the amount borrowed rather than as a flat sum, and the stated size is 0.5%% of the loan. Because it scales with the balance, a larger loan carries a proportionally larger fee.

How much can I borrow, and how long do I have to repay?+

Amounts of TRY 250 to TRY 2,000,000 are available across the products listed, and terms run 1 to 36 months. The spread covers both a short commitment and a stretched one, so quick and longer loans can sit under the same marketplace.

How quickly is the money sent?+

Funding is listed as same day funding, and Same day for banks' instant loan products. A fast payout therefore depends on the bank an application reaches and the product it offers, rather than applying to every application that comes through.

What credit record do I need to apply?+

The credit record asked for is good. Eligibility also calls for a minimum age, documented income, and a minimum waiting period of social security (SGK) registration, with some banks asking for a longer period than others.

Who is Hangikredi, and who lends the money?+

Hangikredi is a marketplace run by Hangisi Internet ve Bilgi Hizmetleri A.S., based in Turkey. It does not lend on its own account: an application is passed to banks, and the terms offered come from the lender that approves it.

Can I repay the loan early without a charge?+

Free early repayment is no. There is no discount for settling the balance ahead of schedule, so anyone planning to clear the loan quickly should weigh the cost of a full term first.

Which kinds of loan does the site cover?+

The loan types listed are personal, secured and car, with home improvement borrowing among them. One site covers needs loans, secured lending, car finance, business lending, student loans and cash advance products, so a borrower can start with a single application rather than a fresh one per product.

How do I get help if something goes wrong?+

Support runs on phone only. Anyone with a question about eligibility, timing or the amount on offer raises it by phone, which suits borrowers who prefer to talk the details through. The site operator is Hangisi Internet ve Bilgi Hizmetleri A.S..

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/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 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check, Representative example.

Hangikredi

Hangikredi

Comparing fixed-rate offers from several banks in a single application.

8.4/10See alternatives

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