Lending software for Türkiye

A high-inflation, card-heavy market where Findeks scores and FAST instant payments drive fast credit. lendhero arrives with KKB (Findeks), e-Devlet and FAST already connected, so your team configures products instead of plumbing.

See the local stack
  • TRY (TL)
  • Turkish, English
  • 17 local connectors
  • 1–2 weeks to launch

Merhaba, Elif

Approved50.000 TL

814

Credit score

On-time payments

Monthly payment2.460 TL

Market profile

Türkiye at a glance

What lendhero is set up for in Türkiye before your team logs in.

Currency

TRY (TL)

Languages

Turkish, English

Supervisor

BDDK

Credit data

KKB (Findeks), Lender data

Payout rails

FAST, EFT, Troy

Data protection

KVKK

17
local connectors wired in before kickoff
TRY
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Turkish, English

Working with borrowers in Türkiye

Tools for every borrower conversation

Borrowers in Türkiye apply, sign, pay and come back for repeat loans in Turkish and TRY.

Applications in minutes

Borrowers apply on the web or in the app, and staff file applications from the back office. A half-filled form waits for them to come back.

New application

Draft saved
Step 2 of 4 · Personal detailsStep 2/4

Reminders that get read

Approvals, due dates and overdue notices go out by WhatsApp Business and Netgsm automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowNetgsm
New receipt in your portalInfobip

Rewards for repeat borrowers

Points for on-time payments, promo codes for campaigns and manual adjustments by staff.

WELCOMEfirst loan
Bonus balance1,240 pts

A portal for repeat loans

Repeat borrowers reapply without retyping data, extend or repay from their phone.

Extend loan
Repay early
Refinance

Contracts without paperwork

Loan agreements, extension requests and receipts are generated and e-signed in Turkish.

Loan agreementSigned
Extension requestReady
Payment receiptDraft

Decisioning

Decisions in seconds, explained in plain words

Third-party and built-in checks run in one flow, for individuals and businesses. Every approval and decline shows the rules and scores behind it.

  • Every check in one passAnti-fraud, identification, credit bureaus, sanctions and digital footprint.
  • Rules you can readYour team can answer any borrower about why.

Application #48213

Elif · Consumer loan, 6 months · 50.000 TL

Approved
Credit score712
  • IdentityVerified
  • Anti-fraudPassed
  • Credit bureau712
  • Debt-to-income31%
  • Sanctions & watchlistsClear
Decision time28 s

Local stack

The Türkiye stack, connected before kickoff.

Bureaus, identity, bank data, payment rails and messaging that lenders in Türkiye rely on. Anything missing is added through the open API.

  • Credit bureaus & registries2 connectors
    • KKKB (Findeks)
    • LLender data
  • Identity & KYC3 connectors
    • ee-Devlet
    • NNFC ID chip
    • SSumsub
  • Bank & alternative data2 connectors
    • OOpen banking (BKM)
    • BBank statements
  • Disbursement rails3 connectors
    • FFAST
    • EEFT
    • TTroy
  • Repayments & collections3 connectors
    • AAutomatic debit
    • FFAST
    • CCard
  • Messaging3 connectors
    • WWhatsApp Business
    • NNetgsm
    • IInfobip
  • E-signature2 connectors
    • ee-imza
    • DDocuSign

Checks and payments

Who borrows and how money moves in Türkiye

Applicants are checked with KKB (Findeks) and Lender data, and money moves via FAST and EFT.

Client checks

Checks connected in Türkiye:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificatione-Devlet, NFC ID chip, SumsubPass
  • Credit bureausKKB (Findeks), Lender dataPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataOpen banking (BKM), Bank statementsReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Türkiye:

DisbursementFAST, EFT, Troy in TRY
RepaymentAutomatic debit, FAST, Card
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • FAST
  • EFT
  • Troy
  • Automatic debit
  • Card

Loan servicing

Every loan and every repayment on one screen

Edit terms, recalculate interest, apply penalties and follow the full schedule without exporting anything.

  • Automatic calculations for every loanInterest, fees and penalties in TRY are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
  • Loan products in minutesSet up consumer, instalment and business products with their rules and scenarios in the admin panel, without a release.
  • Notifications tied to every calculationEach due date, penalty and recalculation sends the right message to the borrower and your team.

Loan #48213

50.000 TL

On track
Auto-calculated · 200+ parametersManual edit
Repaid 17.830 TL of 53.500 TL2 of 6 payments
DateAmountStatus
Sep 48.920 TLPaid
Oct 48.920 TLPaid
Nov 48.920 TLDue in 7 days
Dec 48.920 TLUpcoming
Jan 48.920 TLUpcoming
Reminder sentYour payment of 8.920 TL is due Nov 4

Loan flow

How a loan runs in Türkiye. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in Turkish and English.
  2. 02VerifyIdentity and documents are checked through e-Devlet and NFC ID chip.
  3. 03DecideScorecards pull KKB (Findeks) and Lender data data and return a decision in seconds.
  4. 04DisburseFunds go out via FAST or EFT in TRY, straight after signing.
  5. 05CollectRepayments arrive via Automatic debit and FAST, with reminders over WhatsApp Business.

Portals

One platform, three portals

Everyone works in the same system and sees only what their role allows.

My loan

50.000 TL

Next payment

8.920 TL · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

ElifVerifierApproved
Daniel O.AnalystReview
Maria L.RiskApproved
Tomas K.AnalystDeclined
Lena P.VerifierReview

Staff portal

Managers, analysts, risk, verifiers and collectors work side by side.

Role · Verifier

12 users
View applications
Verify documents
Approve loans
Edit loan terms
Export reports

Super-admin portal

Products, roles, permissions and rules change without a release.

Products

What lenders in Türkiye launch on .

Consumer instalment loansPersonal loans with Findeks scoring.
BNPL & POSInstalments at checkout, within BDDK rules.
Business lendingWorking capital for SMEs.

Compliance

Configured for BDDK and KVKK.

lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in Türkiye.

Hosting & data residency

Cloud or on-premise deployment, with data stored where KVKK requires.

Consent & privacy

Borrower consents are captured, versioned and logged under KVKK.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for BDDK rules.

Audit trail

Every decision, edit and message is logged for internal and external audits.

More markets in Southern Europe

All Europe markets

Questions

Frequently asked

Didn’t find the answer? Write to us and we’ll reply within one business day.

Can lendhero run a lending business in Türkiye?+

Yes. The platform is set up for TRY, Turkish and English and BDDK requirements, with 17 local connectors ready on day one.

Which credit data sources are connected in Türkiye?+

KKB (Findeks), Lender data. On top of that, identity checks run through e-Devlet, NFC ID chip and Sumsub and bank data comes from Open banking (BKM) and Bank statements.

How do borrowers get paid and repay?+

Payouts go out via FAST, EFT and Troy in TRY. Repayments arrive via Automatic debit, FAST and Card, with reminders over WhatsApp Business and Netgsm.

How long does a launch in Türkiye take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 17 local services, product setup, staff training and a test run.

Can we run several countries on one platform?+

Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.

Book a demo

Lending in Türkiye? Let’s plan the launch.

We’ll walk you through the platform, show what matters for your products and answer questions about your business.

  • A 30-minute call
  • A walkthrough on your products and markets
  • Answers on timeline, integrations and pricing

Tell us about your lending

We reply within one business day.

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