Interest‑free consumer loans have once again moved to the forefront with the start of 2026. Banks have refreshed their promotional campaigns, increasing both the limits and the variety of offers on interest‑free credit and installment cash advances. According to the latest information, five major banks now provide up to 65,000 TL in interest‑free loans and up to 25,000 TL in interest‑free cash advances for eligible customers throughout January 2026.
These campaigns are particularly attractive to those who need short‑term financing but want to avoid the burden of interest costs. Instead of paying interest over a long period, customers repay only the principal amount within a relatively short term, usually in three to six months. This makes such offers suitable mostly for people who can plan and complete repayment quickly, rather than for long‑term borrowing.
Below you will find a detailed overview of which banks offer interest‑free loans in January 2026, how much you can borrow, and over how many months you are expected to repay.
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Banks offering interest‑free loans in January 2026
Garanti BBVA
Garanti BBVA is among the most prominent banks in this campaign period. Its current interest‑free offers are:
– Up to 50,000 TL interest‑free consumer loan, with a term of 3 months
– Up to 25,000 TL interest‑free installment cash advance, with a term of 3 months
These products are mainly aimed at new customers or those who join specific digital campaigns. Repayments are usually divided into equal monthly installments over the three‑month period. Because the term is short, borrowers should carefully assess whether their monthly budget can support the higher installment amounts.
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Akbank
Akbank differentiates itself by offering a slightly longer maturity for the interest‑free credit:
– Up to 35,000 TL interest‑free loan with a term of 6 months
– Up to 25,000 TL interest‑free installment cash advance with a term of 3 months
The six‑month option on the loan provides a bit more breathing room in terms of monthly installments compared to the three‑month alternatives at other banks. However, there may be campaign‑specific conditions, such as being a new customer or applying through mobile or internet banking.
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DenizBank
DenizBank is currently one of the banks with the highest limit for interest‑free loans:
– Up to 65,000 TL interest‑free loan with a 3‑month term
– Up to 25,000 TL interest‑free cash advance, also with a 3‑month term
The 65,000 TL ceiling is especially appealing for customers planning higher‑value expenses, such as home renovation, medical procedures, or major purchases. Still, the three‑month maturity means the total amount will be divided into relatively large installments, so the borrower’s income level and cash flow must be sufficient.
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İş Bankası
İş Bankası focuses more strongly on the installment cash advance side:
– Up to 25,000 TL installment cash advance with a term of 2–3 months
Instead of a standard consumer loan, this product is typically used via the credit card, converted into installments and repaid over a short period. It can be handy for those who need quick liquidity directly to their account or card without going through a longer loan application process.
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QNB Finansbank
QNB stands out with a relatively high loan limit and a short repayment period:
– Up to 60,000 TL interest‑free loan with a 3‑month term
This campaign is often targeted toward new customers who open an account or start using the bank’s digital channels. As with similar offers, the entire loan amount is split into three equal monthly installments, and if the customer makes payments on time, no interest is charged during the campaign period.
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Who can benefit from these interest‑free campaigns?
Most of these promotions are designed primarily to attract new customers to the banks’ ecosystems. Typical conditions you may encounter include:
– Being a new customer or having opened an account recently
– Applying through mobile banking, internet banking, or a specific digital channel
– Having an adequate credit score and no serious negative entries in your credit history
– Using the loan or cash advance within a defined period after becoming a customer
Existing customers may also benefit from such offers, but the limits and terms might differ. Some banks run limited‑time promotions for selected customers based on their transaction history, salary payments, or card usage.
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Key points to check before applying
Although the loans are marketed as interest‑free, there are still several important details to review:
1. Fees and charges
While the interest rate is zero during the campaign, there may be one‑time allocation fees, card fees, or other charges. Check whether the total cost is still favorable.
2. Late payment consequences
If you miss an installment or pay late, the bank may start charging standard interest or apply penalty rates. The interest‑free advantage can quickly disappear if payments are not made on time.
3. Term length and monthly installment size
A 3‑month term on a high loan amount can mean very high monthly payments. Make sure your income can handle this so that you do not create additional financial stress.
4. Campaign end dates and quotas
Many offers are valid only until a certain date or until the bank reaches a predetermined campaign quota. Applying early can increase your chances of approval under the promotional terms.
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How to choose the right bank and offer
Choosing between these banks should not be based solely on the headline amount. Consider the following:
– Your repayment capacity: If you need more time, a 6‑month option such as Akbank’s may suit you better than a 3‑month one.
– Maximum limit vs. actual need: Borrow only as much as you really need, even if DenizBank or QNB offer higher ceilings like 60–65 thousand TL.
– Type of product: If you prefer to use a credit card and convert spending into installments, İş Bankası’s installment cash advance may be more convenient than a classical loan.
– Customer relationship: If your salary is already paid into a specific bank or you actively use its products, your approval odds and process speed may improve there.
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Practical examples of using interest‑free loans
To better understand how these campaigns can be used, consider a few typical scenarios:
– Covering a short‑term cash gap: A customer expecting a bonus or a lump‑sum payment in three months might use a 3‑month interest‑free loan instead of resorting to high‑interest revolving credit card debt.
– Planned large purchases: Someone planning to buy furniture or household electronics could spread the cost over three or six months without paying interest, as long as they are sure they can repay on time.
– Debt restructuring: In some cases, borrowers use interest‑free cash advances to pay off higher‑interest debts quickly, then repay the interest‑free offer over the campaign period, reducing total cost—provided they are disciplined with repayments.
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Advantages and risks of interest‑free campaigns
Advantages:
– No interest burden if all installments are paid on time within the campaign rules
– Fast access to cash for short‑term needs
– Possibility to finance higher‑value purchases without increasing total cost
– Often quick and fully digital application and approval processes
Risks and drawbacks:
– Very short maturities may lead to high monthly installments
– Late payments may trigger standard interest or penalties
– Possible additional fees can reduce the benefit if not checked in advance
– Temptation to borrow more than necessary just because the money seems “cheap”
Balancing these pros and cons is essential. The campaigns can be extremely beneficial for disciplined users with predictable income, but may be risky for those with unstable finances or existing heavy debts.
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Tips to make the most of January 2026 offers
1. Calculate your budget carefully
Before applying, plan your monthly budget for the next three to six months. Include all fixed expenses and see how much room is realistically left for installments.
2. Compare at least two or three banks
Even small differences in fees, limits, or term lengths can make one offer significantly better suited to your situation than another.
3. Prefer shorter terms only if you are confident in repayment
A three‑month interest‑free loan is ideal if you are certain about incoming funds. If there is any doubt, a slightly longer term with reasonable conditions might be more sustainable.
4. Avoid simultaneous multiple interest‑free loans
Taking several campaigns at once can quickly overload your budget. Focus on one well‑planned loan or cash advance rather than stacking multiple obligations.
5. Read the campaign conditions line by line
Check eligibility criteria, disbursement rules, and what happens if you close the loan early or miss an installment. Clear understanding prevents unpleasant surprises.
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Final overview
In January 2026, five major banks in Turkey stand out with their interest‑free credit and installment cash advance campaigns:
– Garanti BBVA: up to 50,000 TL interest‑free loan (3 months) and 25,000 TL interest‑free cash advance (3 months)
– Akbank: up to 35,000 TL interest‑free loan (6 months) and 25,000 TL interest‑free installment cash advance (3 months)
– DenizBank: up to 65,000 TL interest‑free loan (3 months) and 25,000 TL interest‑free cash advance (3 months)
– İş Bankası: up to 25,000 TL installment cash advance (2–3 months)
– QNB Finansbank: up to 60,000 TL interest‑free loan (3 months)
These campaigns can significantly reduce borrowing costs for those who plan their finances carefully and repay on time. Anyone considering such a loan should thoroughly review the conditions of each bank, compare the options, and choose the one that best matches their income, repayment capacity, and financial goals.