Many people are curious about banks that offer loans without requiring a guarantor, especially when cash is needed quickly. Normally, banks may request a guarantor if a borrower’s repayment capacity appears insufficient, but several banks do provide loans without a guarantor.
Banks where you can apply for a loan without a guarantor or payroll documentation include:
- Enpara
- TEB
- Akbank
- ING Bank
Below are the interest rates, application methods, and main conditions for the loans offered by these banks.
Enpara: Loan Without Income Documentation (Payroll-Free)
Enpara, operating under QNB Finansbank as a digital bank, does not require a guarantor for loan applications. As one of the notable banks offering guarantor-free loans, Enpara accepts applications through digital channels and provides terms up to 36 months with loan limits reaching 60,000 TL. To apply for an Enpara loan, you must first become a customer. Customer registration starts by filling out the application form on Enpara’s website.
After submitting the form, the bank schedules a video call to verify your identity; once that call is completed, your membership is confirmed. After becoming a customer, you can apply for a loan through the mobile app or internet branch. Open the loan application section in the app, complete the requested information, indicate your income, enter the desired amount and finalize the loan confirmation. If approved, the loan amount is transferred to your Enpara account. You can also withdraw the credited funds at QNB Finansbank ATMs or branches.
Features of Enpara’s Guarantor-Free and Income-Document-Free Loan
The main features of Enpara loans are:
- Repayment is made in equal installments; options such as balloon or irregular payments are not offered.
- Minimum loan amount: 1,000 TL; maximum: 75,000 TL.
- Term options range from 1 to 60 months.
- No guarantor or additional documents are required for the application.
- You will receive your application result by SMS within minutes.
- Interest rate: 1.69% (monthly contractual rate).
TEB: Income-Document-Free Loan
You can apply for TEB’s payroll-free loan via the CEPTETEB platform. Visit the CEPTETEB website and under “Products” select “Personal Loan” to proceed. Starting interest rates for CEPTETEB loans can be as low as 0.89% monthly; click “Apply” on the product page to begin.
The application form will request your national ID number, mobile phone number and a verification code. After providing these details, select the desired loan amount and repayment term on the next page. Complete your application by entering your address, employment and product information.
Features of CEPTETEB’s Guarantor-Free Loan
CEPTETEB’s guarantor-free personal loan includes the following features:
- Monthly contractual interest rate starts from 0.89%.
- Loan terms range from 3 to 36 months.
- Minimum loan amount: 1,000 TL; maximum: 50,000 TL.
- Maximum borrower age for application is 65 years.
- After applying, you will receive a decision on your phone within about three minutes.
Akbank: Guarantor-Free Loan
Akbank is a popular choice for those seeking guarantor-free loans. You can apply directly through Akbank’s website. It is important to enter all requested information accurately—especially income details—so that your application can be evaluated correctly. If the application is approved, an Akbank account will be opened if necessary and the loan amount will be deposited into the account. Being an existing customer can speed up the process and improve approval chances.
Features of Akbank’s Payroll-Free Loan
Key points for Akbank’s payroll-free, guarantor-free loans:
- The interest rate varies according to the loan amount, term selected and the borrower’s credit score.
- You have the option to defer the first payment for up to 3 months.
- Maximum loan term is 36 months.
- Maximum loan amount available is 40,000 TL.
- This product is available without income document or guarantor only to existing Akbank customers.
ING Bank: Guarantor-Free Loan
ING Bank also provides an attractive option for borrowers who want a loan without a guarantor. The “E-Kredi” product does not require income documentation or a guarantor. Loan terms are available up to 60 months in some cases, and it is possible to defer the first installment for 3 months. To apply, you must be a bank customer; opening a non-interest-bearing account is typically sufficient to become a customer. After your account is active, apply for a guarantor-free loan through the mobile app or internet branch.
Features of ING Bank’s Personal Loan
Important details for ING Bank loans:
- Loan terms typically range from 3 to 36 months.
- A file fee equal to 0.5% (binde 5) of the loan amount applies.
- Interest rate example: 1.44% monthly contractual rate.
- You can defer repayments for up to 3 months.
- Maximum loan amount is typically 50,000 TL.
Are There Other Banks That Offer Loans Without a Guarantor?
To obtain a truly guarantor-free loan without conditions, a very strong credit score is usually required. Some banks offer guarantor-free loans with favorable rates to their salary account customers.
If you are a salary account customer, you may also consider applying for guarantor-free loans at the following banks:
- Garanti BBVA
- Yapı ve Kredi Bankası
- Ziraat Bankası
- Vakıfbank
- İş Bankası
- Halkbank
- QNB Finansbank
- Denizbank