Hayat Finans review

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

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Our verdict

Hayat Finans is a Turkish lender whose personal loans and credit lines suit borrowers who apply through its mobile app and pass its own assessment. Borrowing of TRY 500 to TRY 50,000 carries an annual total cost of 90.66% to 90.77%, so the case for it rests on app-only access rather than cheap money.

Key facts

Best for
App-only borrowing in Turkey, with an arrangement fee of 0 TRY.
APR
90.66% to 90.77% (Source, checked September 26, 2026)
Loan amount
TRY 500 to TRY 50,000 (Source, checked September 26, 2026)
Term
6 to 18 months (Source, checked September 26, 2026)
Arrangement fee
0 TRY (Source, checked September 26, 2026)
Representative example
Bana Bunu Al: 10,000 TRY, 6-18 months, 4.25% monthly profit share, 0 TRY allocation fee, 5.53% monthly total cost, 90.66-90.77% annual total cost (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
Individual customers in Turkey who apply through the Hayat Finans mobile app with a renewed Turkish Republic ID card; limit granted subject to the bank's own assessment (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Credit-line (Source, checked September 26, 2026)
Legal entity
Hayat Finans Katilim Bankasi A.S. (Source, checked September 26, 2026)
Headquarters
Turkey (Source, checked September 26, 2026)
Founded
2023 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Credit line
Official website
hayatfinans.com.tr

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInX

Pros and cons

Pros

  • Direct lender, direct lender, so the borrower deals with the bank rather than a broker.
  • Arrangement fee of 0 TRY and a percentage fee of 0% on a loan of TRY 500 to TRY 50,000.
  • Fixed pricing, fixed and fixed rate, holds the instalment steady.
  • Support runs on phone and help centre.

Cons

  • Annual total cost of 90.66% to 90.77% runs well above the site median of 12%, and above 10% to 23% at Monzo Flex.
  • Free early repayment is not offered, so settling the balance ahead of schedule carries a cost.
  • Support is limited to phone and help centre.
Hayat Finans

Ready to try Hayat Finans?

Scored 8.6 / 10 by BorrowCue.

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Who it suits

  • Individuals in Turkey who hold a renewed Turkish Republic ID card and apply through the mobile app.
  • Anyone after a small, short instalment plan: borrowing of TRY 500 to TRY 50,000 over 6 to 18.
  • Applicants comfortable with a fixed rate set by the bank's own assessment.

Who should look elsewhere

  • Borrowers who need a lower annual cost of borrowing: Monzo Flex lists 10% to 23% and Cashspace lists PHP 12 to PHP 36, both under 90.66% to 90.77%.
  • Anyone who plans to clear the balance early, since free early repayment is not offered; Cashspace ES carries 0% as its cost of borrowing.

How your money is protected

Hayat Finans is a direct lender, direct lender, so the deal is with the bank itself rather than a broker. In Turkey it is supervised by the Banking Regulation and Supervisory Agency, BDDK. The published Bana Bunu Al example sets a monthly profit share below a higher monthly total cost, and the annual total cost there matches 90.66% to 90.77%.

How Hayat Finans compares

Where Hayat Finans is available

Available
Turkey
Licence in Turkey
Banking Regulation and Supervisory Agency (BDDK), checked September 26, 2026

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

Frequently asked questions

What does it cost to borrow from Hayat Finans?+

The annual total cost runs 90.66% to 90.77%, and that figure carries most of the cost. The arrangement fee is 0 TRY and the percentage fee is 0%. Borrowing is priced on a fixed basis, so the monthly amount holds steady across the 6 to 18 term.

How much can I borrow, and over what term?+

Borrowing runs TRY 500 to TRY 50,000 and the term is 6 to 18. The bank offers personal loans and credit lines, personal and credit line, and the credit line feature means an amount can be held as a limit. Pricing is fixed rate, so the instalment is set at the start of the agreement.

Who can apply?+

Individuals in Turkey who apply through the Hayat Finans mobile app with a renewed Turkish Republic ID card. The limit is granted subject to the bank's own assessment, so meeting the criteria does not mean an offer follows. The bank is headquartered in Turkey and was founded in 2023.

Is Hayat Finans a bank or a broker?+

It is a direct lender, direct lender, and the legal entity named on its pages is Hayat Finans Katilim Bankasi A.S., based in Turkey. In Turkey it is supervised by the Banking Regulation and Supervisory Agency, BDDK. That means the borrower deals with the bank itself, not an intermediary.

Can I repay the loan early?+

Free early repayment is not offered on these loans, so clearing the balance ahead of schedule carries a charge. Before you commit, budget for the full 6 to 18 term at 90.66% to 90.77%, or factor the early exit cost into the plan. Support can confirm the charge on phone and help centre.

What does the published example show?+

The Bana Bunu Al example pairs a monthly profit share with a higher monthly total cost, and the annual total cost matches 90.66% to 90.77%. The allocation fee in that example is free, in line with the 0 TRY arrangement fee. Read the monthly total cost, not the profit share, when you compare.

How do I apply and get help?+

Support runs on phone and help centre, so help is by phone or through the help centre. Applications go through the mobile app, and the limit depends on the bank's own assessment. A renewed Turkish Republic ID card is part of the application criteria.

Is the rate fixed or variable?+

The rate type is fixed and the model is fixed rate, so the instalment is worked out at the start and does not move with market rates. Budget on 6 to 18 and check the annual total cost of 90.66% to 90.77% against lower priced options such as Monzo Flex at 10% to 23%.

Sources

  • hayatfinans.com.tr checked September 26, 2026

    Backs: Support channels

    “Support Center (Destek Merkezi), 444 4 988”

  • hayatfinans.com.tr/dijital-bankacilik/hayatli-ol checked September 26, 2026

    Backs: Eligibility, Legal entity

    “You must have your renewed T.C. identity card with you for registration”

  • hayatfinans.com.tr/hakkimizda/bizi-taniyin checked September 26, 2026

    Backs: Founded, Headquarters, Lender type, Licences

    “On 23 March 2023 we received our operating licence from the Banking Regulation and Supervisory Agency”

  • hayatfinans.com.tr/krediler/bana-bunu-al checked September 26, 2026

    Backs: Loan amount, APR, Features, Loan types, Pricing model, Origination fee (%), Rate type, Representative example, Term

    “The maximum loan (financing) limit you can have is 50,000 TL ... the minimum amount you can spend is 500 TL”

  • hayatfinans.com.tr/urun-ve-hizmet-ucretleri checked September 26, 2026

    Backs: Free early repayment, Arrangement fee

    “Cash financing early repayment (Erken Kapama) fee is charged, e.g. 2.00% for variable profit share loans, BSMV excluded”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check, Funding time.

Hayat Finans

Hayat Finans

App-only borrowing in Turkey, with an arrangement fee of 0 TRY.

8.6/10See alternatives

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