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Consumer Financing

Consumer Financing

It is now much easier to renew your old laptop, replace broken white goods or plan a pleasant vacation with your loved ones.

What is Needs-Based Financing?

This financing offered by Vakıf Katılım provides practical solutions to your individual needs. It is financing that is based on the principles of participation banking and is suitable for your needs with favorable profit rates. After the legal regulations, if the amount of the Needs-Based Financing used is TRY 125,000 or less, the installment term is 36 months, if the amount is between TRY 125,000 and TL 250,000, it is 24 months and if the amount is over TRY 250,000, it is 12 months. Mobile phone purchases up to TRY 20,000 can be financed in a maximum of 10 installments.

How to Apply for Needs-Based Financing?

You can apply for Needs-Based Financing through Vakıf Katılım Mobile application or by visiting your nearest Vakıf Katılım branch.

Application Process at the Branch

You can start the application process by visiting your nearest Vakıf Katılım branch.

Application via Digital Channels

You can start your application process at vakifkatilim.com.tr">vakifkatilim.com.tr by going to For Me>Apply.

Things to Consider When Getting Needs-Based Financing

Needs-based financing is not disbursed in cash. Payments are made to sellers in return for the purchase of goods and services. Providing the financing to the customer in cash is not possible according to the principles of participation banking.

Required Documents and Application Requirements for Personal Finance

  • Identity card, driver's license or passport
  • Proof of income/salary slip, photocopies of title deeds, if any, lease contracts
  • Proforma invoice of the product subject to financing
  • Being over 18 years of age

Is Credit Rating Important for Needs-Based Financing, How Can I Find Out?

You can find out your credit rating at your nearest Vakıf Katılım branch, your credit rating is checked in all types of financing.

Features

Ease of purchasing the consumer goods you need

You can meet your needs with profit share rates suitable for your budget.

Installment Payment Opportunity

You can use financing in installments of up to 36 months.

It is a shopping financing offered by Vakıf Katılım that offers practical solutions to your individual needs. It is financing for your needs based on participation principles with favorable profit rates.

Needs-Based Financing is not provided in cash. Payments are made to sellers in return for the purchase of goods and services. Consumer loans, on the other hand, are not applied in our bank because they are not in accordance with the principles of participation banking. 

Needs-baseed financing is permissible according to the principles of participation banking. There is no harm in its utilization. 

You can follow your financing applications 24/7 via Vakıf Katılım Mobile application and be informed about the process.

You can follow your financing applications 24/7 via Vakıf Katılım Mobile application and be informed about the process.

You can use need financing to renew your refrigerator that suddenly broke down, to buy your child a laptop he/she will need at school, to get the language education you want so much, or for that trip you dream of. Just come with a proforma invoice for the product/service you purchased! 

A late payment penalty is applied to the overdue debt amount in accordance with the conditions set by the Central Bank of the Republic of Turkiye (CBRT).

After the legal regulations, if the needs-based financing used is TRY 125,000 or less, the installment term is 36 months, if it is between 125,000 TRY and TRY 250,000, it is 24 months, and if it is over TRY 250,000, it is 12 months.

After the legal regulations, if the needs-based financing used is TRY 125,000 or less, the installment term is 36 months, if it is between 125,000 TRY and TRY 250,000, it is 24 months, and if it is over TRY 250,000, it is 12 months.

Customers who apply have the right to withdraw from the financing.

Customers who apply have the right to withdraw from the financing.

Other Types of Financing

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Download Vakıf Katılım Mobile Branch Now!

With Vakıf Katılım Mobile Branch, you can carry out many banking transactions from your mobile devices with Android, İOS and Huawei operating systems in a fast and safe manner.

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