Auto Loan Down Payment & Maximum Limit Calculator (Turkey)
Calculate BRSA credit and term ceilings for standard vehicles and eligible domestic fully electric vehicles.
Things to keep in mind:
- Special limits apply only to fully electric vehicles produced by manufacturers covered by provisional Article 12 of Corporate Tax Law No. 5520.
- The input is the final invoice value. Lenders may use a different appraisal value for used vehicles and apply stricter policies; this is not a credit approval.
Calculator
Result
Enter the values and press Calculate to see the result here.
About this tool
Standard vehicles use the bands in BRSA Decision No. 10099 dated 21 February 2022. Only fully electric vehicles produced by manufacturers covered by provisional Article 12 of Law No. 5520 use the special bands in Decision No. 11158 dated 6 March 2025. The special regime does not cover every electric vehicle.
How to use
- Enter vehicle invoice price (new) or insurance book value (used).
- Select vehicle powertrain type.
- Click Calculate to review statutory limits.
Notes
Rate and term tiers come from BRSA decisions. The input is the final invoice value; the result is not credit approval.
Rates used16 parameters
Rates are valid as of October 1, 2026.
Taşıt kredisi azami kredi oranı 1
70%- Effective from
- February 21, 2022
- Source
- BDDK 21.02.2022 tarihli 10099 sayılı Kurul Kararı; BDDK 06.03.2025 tarihli 11158 sayılı Kurul Kararı
- Last reviewed
- October 1, 2026
Taşıt kredisi azami kredi oranı 2
50%- Effective from
- February 21, 2022
- Source
- BDDK 21.02.2022 tarihli 10099 sayılı Kurul Kararı; BDDK 06.03.2025 tarihli 11158 sayılı Kurul Kararı
- Last reviewed
- October 1, 2026
Taşıt kredisi azami kredi oranı 3
30%- Effective from
- February 21, 2022
- Source
- BDDK 21.02.2022 tarihli 10099 sayılı Kurul Kararı; BDDK 06.03.2025 tarihli 11158 sayılı Kurul Kararı
- Last reviewed
- October 1, 2026
Taşıt kredisi azami kredi oranı 4
20%- Effective from
- February 21, 2022
- Source
- BDDK 21.02.2022 tarihli 10099 sayılı Kurul Kararı; BDDK 06.03.2025 tarihli 11158 sayılı Kurul Kararı
- Last reviewed
- October 1, 2026
Taşıt kredisi azami vade 1
TRY 48- Effective from
- February 21, 2022
- Last reviewed
- October 1, 2026
Taşıt kredisi azami vade 2
TRY 36- Effective from
- February 21, 2022
- Last reviewed
- October 1, 2026
Taşıt kredisi azami vade 3
TRY 24- Effective from
- February 21, 2022
- Last reviewed
- October 1, 2026
Taşıt kredisi azami vade 4
TRY 12- Effective from
- February 21, 2022
- Last reviewed
- October 1, 2026
standard vehicle-credit value threshold 1
TRY 400,000- Effective from
- February 21, 2022
- Last reviewed
- October 1, 2026
standard vehicle-credit value threshold 2
TRY 800,000- Effective from
- February 21, 2022
- Last reviewed
- October 1, 2026
standard vehicle-credit value threshold 3
TRY 1,200,000- Effective from
- February 21, 2022
- Last reviewed
- October 1, 2026
standard vehicle-credit value threshold 4
TRY 2,000,000- Effective from
- February 21, 2022
- Last reviewed
- October 1, 2026
eligible-domestic-electric vehicle-credit value threshold 1
TRY 2,500,000- Effective from
- March 6, 2025
- Last reviewed
- October 1, 2026
eligible-domestic-electric vehicle-credit value threshold 2
TRY 5,000,000- Effective from
- March 6, 2025
- Last reviewed
- October 1, 2026
eligible-domestic-electric vehicle-credit value threshold 3
TRY 6,500,000- Effective from
- March 6, 2025
- Last reviewed
- October 1, 2026
eligible-domestic-electric vehicle-credit value threshold 4
TRY 7,500,000- Effective from
- March 6, 2025
- Last reviewed
- October 1, 2026
Vehicles over 2,000,000 TRY cannot be financed with consumer loans; vehicles under 400,000 TRY allow up to 70% financing.
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