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What changed in Türkiye’s phone loan and credit card rules?
The official BDDK regulations index lists decisions 11582 on phone-purchase consumer-credit maturities and 11581 on credit-card minimum payments, both dated October 1, 2026. The detailed terms below are attributed to Anadolu Agency’s October 2 account of BDDK’s announcement; the current decision texts were not available in the Official Gazette listing.
The main practical distinction is that consumer credit and credit-card installments are governed separately. A phone may fall within the consumer-credit maturity limits but still not be eligible for card installments.
How many installments can I get for a phone in Türkiye?
For phone-purchase consumer credit, the reported maximum term depends on whether the phone is ordinary or legally qualifies as renewed, and on its price:
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| Phone category | Price | Maximum consumer-credit term |
|---|---|---|
| Ordinary phone | TRY 40,000 or less | Up to 12 months |
| Ordinary phone | Above TRY 40,000 | Up to 3 months |
| Qualifying renewed phone | TRY 50,000 or less | Up to 12 months |
| Qualifying renewed phone | Above TRY 50,000 | Up to 3 months |
These are maximum maturities reported for consumer credit used to purchase a phone; they do not guarantee that a lender will approve credit or offer the maximum term.
Can I buy a phone in installments with a credit card in Türkiye?
Ordinary phones
No. Anadolu Agency reports that credit-card installment purchases remain unavailable for ordinary mobile phones. This restriction is separate from the consumer-credit terms in the table above.
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Qualifying renewed phones
Credit-card installments of up to 12 months remain available for qualifying renewed phones, with no reported price ceiling. The product must qualify as renewed under the applicable rules, and the seller must be a renewal center or an authorized seller. A listing described as “refurbished” or “renewed” does not by itself establish eligibility; check the product status and seller qualification before relying on installments.
What is the minimum payment on a credit card in Türkiye?
The reported minimum-payment percentage depends on the card’s limit, not on the price of a phone:
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|---|---|
| TRY 100,000 or less | 20% of the statement balance |
| Above TRY 100,000 | 40% of the statement balance |
This is the minimum amount due against the statement balance under the reported rule. It is not a phone installment limit, and the relevant threshold is the card limit.
How do the 2026 thresholds compare with the previous phone-credit rule?
BDDK decision 11022, dated December 5, 2024, set the earlier consumer-credit thresholds at TRY 20,000 for ordinary phones and TRY 25,000 for qualifying renewed phones. The reported October 2026 decision raises those thresholds to TRY 40,000 and TRY 50,000 respectively, while retaining a maximum of 12 months at or below the relevant threshold and three months above it.
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The distinction between ordinary and qualifying renewed phones matters under both sets of thresholds: the higher renewed-phone price band is not a general rule for every used or refurbished listing.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What should buyers check before choosing a payment route?
- Identify the financing type: consumer credit maturity and credit-card installments are separate rules.
- Confirm the phone category and price: the reported consumer-credit threshold is TRY 40,000 for ordinary phones and TRY 50,000 for qualifying renewed phones.
- For a renewed phone bought by card, verify eligibility: confirm both that the product qualifies and that the seller is a renewal center or authorized seller.
- For the card minimum, check the card limit: the reported 20%/40% split is based on whether the limit is at or below TRY 100,000 or above it.
Sources: BDDK’s regulations index; Anadolu Agency’s October 2, 2026 report; BDDK decision 11022 of December 5, 2024.
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