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Features

⦁ Go to Nkolay.com and complete the short form and confirm your documentation on the screen, and then have your loan up to TRY 50.000 transferred to your account.


⦁ N Kolay avoids the requirement to wait on the line at the branch and sign pages of paper and, on top of it, to buy additional products such as a credit card.


⦁ Your money will be transferred to your account instantly upon the approval of your application. Besides, you will become a N Kolay debit card free of charge for being able to access to your money more readily. (You can apply with a maximum maturity of 24 months for your loan applications above 50 thousand TL, and 36 months for your requests below 50 thousand TL.)



  • Interest rates exclusive for you
  • Quick and easy application
  • The convenience to apply without visiting a branch
  • Your money will be in your account even if it is weekend

Application and Use

How can I apply for this loan?

If you are a customer of Aktif Bank, you can submit your application by entering the Republic of Turkey ID Number, e-mail address and the mobile phone number as recorded at our bank through the N Kolay mobile application or www.nkolay.com. If your application for the loan is approved, you need to enter the details, as requested on the screen, correctly. On the screen, you need to read and acknowledge the Pre-Agreement Information Form For Banking Services and Definite-Period Consumer Loan, the Banking Services and Definite-Period Consumer Loan Agreement, the Information Regarding the Loan Terms and Repayment Schedule, Consumer Loan Product Information Form and the Core Banking Products and Services Information Form pertaining to the consumer loan. If you are a Passolig Debit Card holder or if you have previously executed a Banking Services Agreement (Individual Customers) with our Bank, then the money will be transferred to your account instantly.  If you are a Passolig Credit Card or a Cuzdan (Wallet) Card holder, then the N Kolay Debit Card and Banking Services Agreement (Individual Customers) will be sent to your address by courier for opening your account and enabling you to get your money. The money will be transferred to your account as of the time at which our Bank will have been informed by the courier about the fact that the agreement has been executed.


If you will make use of a product of our Bank for the first time, you can submit an application through the N Kolay mobile application or www.nkolay.com by entering your Republic of Turkey ID Number, e-mail address and mobile telephone number. You can initiate your application by entering the password, which will be sent to your mobile phone, in the relevant field on the screen. If your application for the loan is approved, you need to enter the details, as requested on the screen, correctly. On the screen, you need to read and acknowledge the Pre-Agreement Information Form For Banking Services and Definite-Period Consumer Loan, the Banking Services and Definite-Period Consumer Loan Agreement, the Information Regarding the Loan Terms and Repayment Schedule, Consumer Loan Product Information Form and the Core Banking Products and Services Information Form pertaining to the consumer loan. N Kolay Debit Card and Banking Services Agreement (Individual Customers) will be sent to your address by courier. The money will be transferred to your account as of the time at which our Bank will have been informed by the courier about the fact that the agreement has been executed.

How will I make my repayments after utilizing the loan?

Through the N Kolay Mobile,

Through Aktif Bank Internet Branch,

Through Aktif Bank Branches,

Through all PTT branches and Pttmatiks,

Through the ATMs of VakifBank,

By performing a money transfer (EFT) to your account held with Aktif Bank from the account you hold with any bank,

You can make the payment for your installment from a bank account by depositing money into your account through the ATMs of other banks by making use of N Kolay debit card.


Payment through Vakifbank ATMs:

Go to the Cardless Transactions menu

Select Aktif Bank Transactions,

Enter the Debit Card Number or the Account Number,

Complete the details on the screen,

Enter your Republic of Turkey ID Number and mobile phone number. 

You can deposit the installment amount after checking your details and confirming the transaction fee.


Payment through Pttmatiks:

Go to the In-Network Bank Transactions,

Select Aktif Bank Transactions,

Click on the button "Deposit Cash Into Account",

Enter the Debit Card Number or the Account Number,

Enter the required details and mobile phone number,

Select the description.


Rates and Prices

N Kolay loan interest rate may vary depending on your credit rating. The monthly contractual interest rate of 3.19%, as used for the calculation, is the loan interest rate effective for the individuals who ask for insurance and who are listed in the highest score range. Loan Allocation fee amounts up to 0.5% of the loan amount, and it includes BITT of 10%. Monthly cost ratio is 5.2527%, and the annual cost ratio is 63.03%. The interest as per the credit rating will be submitted to be approved by the individual before the extension. Insurance is not included in the calculations. Insurance premium will vary depending on the loan amount, loan maturity and the age of the customer. N Kolay loan is a product of Aktif Bank. Aktif Bank shall be entitled to extend the loan and modify the campaign terms and interest rates.

Loan Amount  Maturity (Months) Interest Rate Installment Amount Loan Allocation Fee Annual Effective Interest Rate
2.000 TL 6 %3.19 381,37 TL 11 TL %63,03
10.000 TL 12 %3.39 1080,26 TL 55 TL %66,37
10.000 TL 24 %3.39 671,91 TL 55 TL %65,58
10.000 TL 36 %3.39 2.731,96 TL 275 TL %65,32
50.000 TL 36 %3.39 2.185,57 TL 220 TL %65,32
70.000 TL 24 %3.39 4.703,39 TL 385 TL %65,58

*All texts with respect to the Repayment Schedule will be shown in this field. N Kolay interest rate may vary depending on your credit rating.

All transactions are in your pocket
with N Kolay Mobile app!

N Kolay Mobile is available for all your banking needs! You can make all your transactions, get loan, and make investment.