Hesapkurdu review

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

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Our verdict

Hesapkurdu, a marketplace based in Turkey, suits borrowers with regular declared income who want a single place to compare personal loan offers from banks. Its strength is breadth, with loans of TRY 500 to TRY 1,000,000 across many uses, and cost is the trade-off.

Key facts

Best for
Borrowers with a steady declared income comparing bank offers for a personal loan.
APR
37.19% to 127.46% (Source, checked September 26, 2026)
Loan amount
TRY 500 to TRY 1,000,000 (Source, checked September 26, 2026)
Term
1 to 36 months (Source, checked September 26, 2026)
Arrangement fee
500 TL bank allocation fee on a 100,000 TL 12-month personal loan (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Personal loan applications are usually concluded instantly; 1-2 days where the credit score is risky or income cannot be verified (Source, checked September 26, 2026)
Representative example
12-month 100,000 TL personal loan at the lowest monthly rate of 1.99%: 9,800 TL monthly instalment, 500 TL allocation fee, annual cost ratio 37.19%, total payment 118,102 TL (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Over 18 (some banks set 20); regular declared income; SGK insured employment of at least 6 months; upper age limit generally 65-75 (Source, checked September 26, 2026)
Origination fee (%)
0.5% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Student, Cash-advance, Credit-line, Secured, Car, Business (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Legal entity
Hesapkurdu Teknoloji A.S. (Source, checked September 26, 2026)
Headquarters
Turkey (Source, checked September 26, 2026)
Founded
2010 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
hesapkurdu.com

Mortgages

Initial rate
2.88% (Source, checked September 26, 2026)
APRC
41.55% to 103.46% (Source, checked September 26, 2026)
Fixed period
1 to 10 years (Source, checked September 26, 2026)
Maximum loan to value
90% (Source, checked September 26, 2026)
Product fee
TRY 17,560 (Source, checked September 26, 2026)
Purpose
Purchase (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Legal entity
Hesapkurdu Teknoloji A.S. (Source, checked September 26, 2026)
Headquarters
Turkey (Source, checked September 26, 2026)
Founded
2010 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInX

Pros and cons

Pros

  • Free early repayment, so clearing a balance early costs nothing extra.
  • Applications are usually concluded instantly, and same day funding comes with the personal loans.
  • The catalogue covers personal, debt consolidation and student, so different borrowing needs sit in a single search.
  • Questions go to email, phone and help centre.

Cons

  • Personal loan rates of 37.19% to 127.46% are the weak point, and the arrangement fee adds a bank allocation fee to the instalment.
  • Hesapkurdu is a marketplace, so the rate and the terms come from whichever bank answers.
  • Funding is usually instant, but a waiting period applies where the credit score is risky or income cannot be verified.
Hesapkurdu

Ready to try Hesapkurdu?

Scored 8.6 / 10 by BorrowCue.

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Who it suits

  • Adults with a minimum age, regular declared income and a minimum period of insured employment.
  • Borrowers who want different loan types and lenders gathered in a single search.
  • People who put same day funding and free early repayment ahead of the cheapest rate.

Who should look elsewhere

  • Anyone chasing a low headline rate: Monzo Flex publishes 10% to 23%, well below the 37.19% to 127.46% range here.
  • Readers who prefer a single lender's quote: Cashspace ES lists 0% and Cashspace shows PHP 12 to PHP 36.

Safety and regulation

Hesapkurdu runs as a marketplace, so the money, the contract and the duty to repay sit with a bank, not with the site. The representative example takes a short-term loan at the lowest monthly rate on offer, then adds a bank allocation fee, so the annual cost ratio lands above the headline rate. Read the bank's terms.

Who runs it

Hesapkurdu Teknoloji A.S. is the company behind the marketplace, based in Turkey and trading since 2010. It introduces applicants to banks rather than lending its own money, and questions go to email, phone and help centre. The terms in any offer come from the bank that approves, which is worth knowing before signing.

How Hesapkurdu compares

Where Hesapkurdu is available

Available
Turkey

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

Frequently asked questions

What does a personal loan cost on Hesapkurdu?+

Personal loan rates run 37.19% to 127.46%, and the rate is set by the bank that answers. The arrangement fee is a bank allocation fee added to the instalment, and an origination fee of 0.5% is also listed. Compare the annual cost ratio, not the monthly rate.

How fast is funding?+

Applications are usually concluded instantly, and same day funding is offered on personal loans. A waiting period applies where the credit score is risky or income cannot be verified, so an unverified income file takes longer.

What credit check and credit score apply?+

The credit check is hard and the credit needed is fair, so the whole file is looked at. Applicants also need a minimum age, regular declared income and a minimum period of insured employment.

How much can I borrow and over what term?+

Loans run TRY 500 to TRY 1,000,000 with terms of 1 to 36. The catalogue covers personal, debt consolidation and student, so a personal, car, secured or business request can be started in the same place.

Is Hesapkurdu a lender or a broker?+

It is a marketplace. Hesapkurdu Teknoloji A.S. introduces applicants to banks rather than lending its own money, so the contract, the fees and any protection sit with the bank that approves.

Can I repay early without a charge?+

Free early repayment is available, so clearing the balance before the end of the term costs nothing extra. Pricing is fixed and the loans are fixed rate, so the instalment stays predictable for the length of the term.

Is there a mortgage on the site?+

The home purchase route starts at 2.88% with an APRC of 41.55% to 103.46%, a fixed period of 1 to 10 and a maximum loan to value of 90%. A product fee of TRY 17,560 is listed on the borrowing.

Sources

  • hesapkurdu.com checked September 26, 2026

    Backs: Lender type

  • hesapkurdu.com/hakkimizda checked September 26, 2026

    Backs: Founded

  • hesapkurdu.com/ihtiyac-kredisi checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Credit needed, Eligibility, Features, Free early repayment, Funding time, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “Min. Tutar 500 TL / Max. Tutar 1.000.000 TL”

  • hesapkurdu.com/iletisim checked September 26, 2026

    Backs: Headquarters, Support channels

    “Hesapkurdu Teknoloji A.S. ... Barbaros Mahallesi Sebboy Sokak No:4/1 Ic Kapi No:77 Atasehir/Istanbul”

  • hesapkurdu.com/konut-kredisi checked September 26, 2026

    Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose

    “Vade Suresi 12 - 120 Ay; ornek 120 ay vadeli 1.000.000 TL Konut Kredisi”

  • hesapkurdu.com/kosullar-ve-gizlilik checked September 26, 2026

    Backs: Legal entity

    “Site'nin sahibi Barbaros Mahallesi Sebboy Sokak No:4/1 ... Atasehir, Istanbul adresinde ikamet eden Hesapkurdu Teknoloji A.S.”

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

Hesapkurdu

Hesapkurdu

Borrowers with a steady declared income comparing bank offers for a personal loan.

8.6/10See alternatives

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