Loan via SMS

Your loan is at your fingertips.


With the 5-Minute Loan via SMS, you can apply for a General Purpose Loan by sending an SMS from your mobile phone, and take advantage of Garanti's low interest loans to fulfill your loan needs. What's more, whether or not you are a Garanti customer, you can make your loan application via SMS!

Would you like to get your Internet/Mobile Banking password now? 

  • Application
    • Enter your T.C. Identity Number, the TL loan amount and the term that you want, your verifiable net monthly income, with a space in between each, and send to 3390* via SMS.

    SMS ile Kredi


    Example: 13788431318 15000 12 2500

    • Your loan application will be sent to your mobile phone via SMS within 5 minutes.

     *You will be billed for the SMS you send at the rate charged by your operator.

  • Rates and Fees
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    Consumer Loans TL

    Product 6 Ay 12 Ay 18 Ay 24 Ay 36 Ay 48 Ay
    Oto Kredisi1,441,441,441,441,441,44
    Bireysel Finansman Kredisi1,501,501,501,501,50-
    • 1

    Last Update : 23/11/2017 10:27

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    Cost Table

    Product Loan Amount Term Interest Rate Installment Amount Total Cost Annual Cost Rate
    e-Loan*10.000,00 TL36 Months% 1,89409,41 TL157,50 TL% 32,44
    Auto Loan**20.000,00 TL36 months% 1,44750,79 TL255,00 TL% 23,97
    General Purpose Loan****80.000,00 TL36 Ay% 1,503.001,70 TL1.310,00 TL% 24,25
    • 1

    Last Update : 23/11/2017 10:27

    * Terms between 37-60 months are only available for salaried employees.

  • FAQs

    We found the following questions in our Help & Advice which might be useful for you...

    How can I apply for a General Purpose Loan? What are the required documents?

    You can apply for a loan at the nearest Garanti branch with the documents.

    Find out more

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