Personal Loan | Near East Bank

Get your loan now and start paying your installments later with the option of deferring payments for up to 3 months.
Provide a solution to your urgent cash needs thanks to your low-interest loan opportunity.
Easily access your loan with a quick approval process.
Pay your installments without worrying with the maturity option up to 72 months.
Receive quality healthcare with the Affordable Health Insurance Gift.

Original and copy of ID card or passport
Residence document or an official document registered in the customer's name (such as an electricity or municipality water bill, etc.)
Income Document (If it is a self-owned business, company approval documents and financial data for the last 3 years will be required)
If deemed necessary, the above documents will also be requested from guarantors.
Loan can be granted without limiting it with times your salary.

After submitting the required documents to the Near East Bank Customer Representative and signing the documents, we will get back to you within 1 week. To benefit from this product, you can apply for it right away and easily complete your transactions. You can easily submit your applications from all our branches, through our website neareastbank.com, Internet and Mobile Banking, our Facebook page, our Call Center at 444 0 632, or our WhatsApp line at 0542 880 06 32.

Under the Consumer Loan Law (Law No. 31/2020),

Consumer Loan Pre-Information Form
Installment Loan Payment Plan
Consumer Declaration for Foreign Currency Loans
The Customer Representative gets these signed specifically for your loan request.

Secure the heavy costs arising from major and comprehensive disorders, diseases, accidents, etc. emergencies with Affordable Health Insurance, where you can benefit from inpatient treatment coverage up to 20,000 TL, with annual premiums starting from 175 TL.

RIGHT OF WITHDRAWAL

The consumer has the right to withdraw from the personal loan agreement within 14 (fourteen) days from the date of signing the agreement, without stating any reason and without paying any penalty clause. In order to exercise the right of withdrawal, the consumer must send their withdrawal request to our bank in writing via registered mail and/or through another secure medium within the specified period.

EARLY PAYMENT AND/OR INTERMEDIATE PAYMENT

Our bank has the right to charge compensation for potential costs directly related to the early repayment of loans in case of a request for early repayment during the first twelve months of variable interest fixed-term loans and for fixed-interest loans. However, no compensation is charged for early repayment amounts made by the consumer within every twelve-month period that do not exceed twenty (20) times of the monthly minimum wage. If the repayment amount exceeds twenty (20) times, our bank may charge compensation. The compensation our bank can charge is 1% (one percent) of the early repaid loan amount if the period between the early repayment date and the maturity date stated in the loan agreement exceeds one year. If the period does not exceed one year, the compensation is 0.5% (five per thousand) of the loan amount.

DELAY AND LEGAL CONSEQUENCES

In personal loan agreements, the period for which no late payment interest will be applied for installments is 15 days from the date of installment. For installments, contractual interest will be applied for the period for which no delay interest will be applied, and for the periods exceeding this, the delay interest specified on the first page will be applied. When the debt becomes due, the organization takes legal action in accordance with the provisions and conditions specified in the loan agreement.