Loan interest rates are not fixed and may vary based on several factors.
Key points to know:
• Interest rates differ by loan type, such as Personal Need Loans, Vehicle Loans, and Housing / Mortgage Loans.
• Different banks may offer different interest rates for the same loan type.
• Interest rates may change depending on market conditions and loan-specific parameters.
• Interest rates may differ according to each customers credibility
The loan calculation tool displays:
• the current interest rate applicable to the selected loan type,
• the calculated monthly installment amount,
• the total repayment amount (principal + interest).
Example Loan Table:
Personal Loan Payment Example
(as of November 26, 2025):
• Loan Type: Personal
• Campaign Name: New Year Personal Loan Campaign
Loan Amount
|
Maturity (Months)
|
Monthly Interest Rate
|
Monthly Installment Amount
|
Total Repayment Amount
|
|
Loan Allocation Fee (incl. BSMV) |
|
Life Insurance Premium
|
Total Fees*
|
Annual Cost Rate
|
100.000.- TL
|
12
|
% 3,85
|
11.285,72 TL
|
135.428,64 TL
|
575,00 TL
|
1.096,00 TL
|
1.671,00 TL
|
%81,8025
|
100.000.- TL
|
24
|
% 3,79
|
7.195,71 TL
|
172.697,04 TL
|
575,00 TL
|
1.096,00 TL
|
1.671,00 TL
|
%79,3015
|
100.000.- TL
|
36
|
% 3,69
|
5.886,72 TL
|
211.921,92 TL
|
575,00 TL
|
1.096,00 TL
|
1.671,00 TL
|
% 76,3551
|
* This example is provided for illustrative purposes only and does not represent current or guaranteed loan terms. The stated rate is the lowest interest rate applied by the Bank on a customer-specific basis; it may vary depending on customer characteristics, risk status, loan amount, maturity, and other loan information. İşBank reserves the right to change rates. Customers can obtain final information from branches regarding the applicable installment amount, interest rate, and any fees and commissions to be collected.
A loan repayment plan outlines how a loan is repaid over time and is primarily determined by:
• the loan amount, and
• the selected maturity period.
• the loan type (e.g. Personal, Vehicle, or Housing Loan) directly affects the installment structure and total cost components.