Kredim review

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

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Our verdict

Kredim suits adults in Turkey who want a fully digital loan, a flexible credit line or buy now pay later without a guarantor, and the APR of 5.25% keeps borrowing cheap on paper. Instant funding at checkout and in partner stores by QR code suits short term spending.

Key facts

Best for
A digital Turkish loan with a low headline rate and no guarantor to find.
APR
5.25% (Source, checked September 26, 2026)
Loan amount
TRY 500 to TRY 250,000 (Source, checked September 26, 2026)
Term
1 to 36 months (Source, checked September 26, 2026)
Arrangement fee
Loan allocation fee 0.50% of the loan (statutory, excl. 15% BSMV); campaign participation fee 199-899 TRY by limit band (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
Instant at checkout, in partner online stores and in physical partner stores by QR code (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Aged 18 or over and under 70 with a suitable credit score; no guarantor needed; fully digital process (Source, checked September 26, 2026)
Origination fee (%)
0.5% (Source, checked September 26, 2026)
Loan types
BNPL, Personal, Credit-line (Source, checked September 26, 2026)
Legal entity
TURK Finansman A.S. (Source, checked September 26, 2026)
Headquarters
Turkey (Source, checked September 26, 2026)
Founded
2018 (Source, checked September 26, 2026)
Support channels
Help-centre, Phone, Email (Source, checked September 26, 2026)
Features
Credit line, Same-day funding
Official website
kredim.com.tr

Apps and profiles

Elsewhere
LinkedInXyoutube.cominstagram.comfacebook.com

Pros and cons

Pros

  • The APR of 5.25% sits well below the 12% median across the site.
  • No guarantor is needed, and the process runs fully digitally from application to decision.
  • Instant funding at checkout, in partner online stores and in physical partner stores by QR code.

Cons

  • The rate is variable, so repayments can rise if market rates climb.
  • Borrowing runs 1 to 36, well short of the 60 upper end common on the site.
  • Support runs on help centre, phone and email only, with no live chat in the list.
Kredim

Ready to try Kredim?

Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Adults in Turkey within the age range Kredim accepts who have a suitable credit score.
  • Shoppers who want to split a purchase at checkout or pay by QR code in physical partner stores.
  • Borrowers who want a credit line alongside personal loans and buy now pay later in one process.

Who should look elsewhere

  • Monzo Flex, whose APR of 10% to 23% suits a UK borrower used to that band.
  • Cashspace, whose listed APR of PHP 12 to PHP 36 reflects a far higher cost range.
  • Cashspace ES, where the listed APR of 0% makes cost the only reason to look.

Safety and regulation

Kredim is a direct lender rather than a broker, so the lender itself sets the rate. Its banking licence and supervision come from the Banking Regulation and Supervision Agency (BDDK) in Turkey, granted as an operating permit whose decision and gazette references are published alongside the licence.

How Kredim compares

Where Kredim is available

Available
Turkey
Licence in Turkey
Banking Regulation and Supervision Agency (BDDK) (BDDK Board Decision No. 8321 dated 04/04/2019 (establishment decision No. 8080 of 08.11.2018), Resmi Gazete No. 30851 of 3 August 2019), checked September 26, 2026

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

Frequently asked questions

What rate will I pay?+

The advertised APR is 5.25%, which sits below the 12% median across the site. The rate type is variable, so the figure on your offer can move as market rates change. Read the rate on the offer before you accept it.

What fees are charged on a Kredim loan?+

A statutory loan allocation fee of 0.5% of the loan applies, excluding the BSMV tax. A campaign participation fee is also charged and is set by limit band, so the total cost depends on which band your limit falls into.

How much can I borrow and for how long?+

Borrowing runs TRY 500 to TRY 250,000, so smaller instalments and larger sums are both possible. Terms run 1 to 36, and Kredim offers bnpl, personal and credit line, so the amount and the schedule you choose depend on which product you pick.

Is the money side regulated?+

Kredim operates as a direct lender, not a broker, and holds a banking licence from the Banking Regulation and Supervision Agency (BDDK) in Turkey. The licence was granted as an operating permit, and its decision and gazette references are published with it.

What credit check is used?+

The credit check is soft prequal, so an initial assessment can run before a full application. Eligibility asks for a suitable credit score, no guarantor is needed, and applicants must sit inside the stated age range.

What can I use Kredim for?+

Kredim covers bnpl, personal and credit line, so a personal loan, a revolving credit line and a buy now pay later purchase all come from the same lender. The credit line is part of the standard offering, and funding is instant in partner stores.

Who can apply and how do I get help?+

Applicants need to be adults inside the age range Kredim accepts, with a suitable credit score. No guarantor is required and the process is fully digital, so no branch visit is involved. Support is on help centre, phone and email if you need a hand.

Sources

  • kredim.com.tr checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type

    “Kredim, TURK Finansman A.S. markasidir. BDDK tarafindan TURK Finansman A.S.'ye 6361 sayili Kanun uyarinca faaliyet izni verilmistir.”

  • kredim.com.tr/destek checked September 26, 2026

    Backs: Loan amount, Eligibility, Features, Funding time, Loan types, Support channels

    “Kredim Musteri Hizmetleri'ne 0850 988 0 999 numarali hattan 7/24 ulasabilir veya ... adresimize e-posta gonderebilirsin”

  • kredim.com.tr/Faaliyet-Izni checked September 26, 2026

    Backs: Founded, Licences

  • kredim.com.tr/skorlama checked September 26, 2026

    Backs: Credit check

    “Kredim'in ozgun ve akilli skorlama sisteminden ucretsiz yararlan ... Skorun olusunca limit ataniyor”

  • kredim.com.tr/taksit-ve-odeme-periyotlari checked September 26, 2026

    Backs: Term

    “36 aya varan taksitli geri odeme avantaji ... '30 gun sonra ode' secenegiyle yapilan alisverislerde faiz uygulanmaktadir”

  • kredim.com.tr/ucret-ve-faiz-oranlari checked September 26, 2026

    Backs: APR, Arrangement fee, Origination fee (%), Rate type

    “Kredi Tahsis Ucreti %0,50 ... Kampanya Katilim Bedeli ... 0 - 30.000 TL: 199 TL ... 90.001 - 100.000 TL: 899 TL”

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

Not confirmed yet: Representative example.

Kredim

Kredim

A digital Turkish loan with a low headline rate and no guarantor to find.

8.8/10See alternatives

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