Those who wish to apply for a loan using a disability pension should choose banks that accept the pension as collateral. Loans offered against disability pensions are available only to individuals who hold an official disability report.
Because someone other than the disabled applicant is not permitted to complete the loan application, applicants must meet the banks’ rules and conditions.
Banks that provide loans against disability pensions:
- PTT Bank
- Albaraka Türk Participation Bank
- Denizbank
- Vakıfbank
- Ziraat Bank
- Akbank
- Şekerbank
- Garanti BBVA
- Halkbank
- Türkiye İş Bankası
In addition to the institutions above, disabled individuals who want to start a business can benefit from KOSGEB programs that provide financial support for entrepreneurs.
Disability loans are available to those who meet the required conditions and can be requested as consumer loans or entrepreneurship loans. Loan terms, limits and conditions vary by bank.
What Are the Requirements to Apply for a Loan Against a Disability Pension?
Applying for a loan against a disability pension requires meeting specific criteria set by banks. The main qualifications and conditions are summarized below:
Requirements for loans against disability pensions:
- Applicants must hold an official disability report and be older than 18 and not exceed 80 years of age. Applications from those outside the age range will be rejected.
- The applicant must be mentally competent. Individuals judged legally incompetent or placed under guardianship by court order cannot apply for loans against a disability pension.
- The disability status and the disability pension must continue during the loan period.
- When applying, the bank calculates the gross loan amount against the pension. If the requested loan exceeds allowable limits, banks may require additional collateral or guarantors.
- A current disability report showing at least 40% disability is required. If the disability report expires or the medical condition improves and the pension is terminated, eligibility for the loan ends.
- There must be no legal blockades on the disability pension or other income sources when applying.
- Having additional income and assets increases the chance to obtain the requested loan amount. If investigations show the applicant cannot afford repayments based solely on the disability pension, the application may be denied.
- Applicants must not be subject to legal proceedings, enforcement actions, or seizures.
- Applicants must not be on banks’ blacklist and should have a clean credit record.
- A good credit score is one of the most important requirements for loan approval.
- Those who currently have a bank debt under restructuring are generally not considered suitable candidates for loans against disability pensions.
Documents Required When Applying for a Loan Using a Disability Pension
Required documents may vary between banks and institutions. The documents commonly required by banks are listed below:
Necessary documents for disability pension loans:
- Original identity document and one photocopy
- Current official disability report
- Residence registration document
- Education certificates showing the applicant’s schooling
- Income statement showing total monthly income
- Title deeds for any movable or immovable property offered as collateral
- Licenses and permits for the property intended as collateral
- Wet-signed consent from spouse if the spouse’s consent is required for collateral
- Photocopy of identity and income documents of any guarantors
- Account statements and transaction history for the account receiving the disability pension
What Are the Features of the PTT Loan Program for Disability Pensions?
PTT disability loans are offered to recipients who receive their disability pension through PTT. PTT allows loans up to 60,000 TL with repayment terms up to 36 months.
For PTT loans based solely on the disability pension, no additional collateral or guarantor is typically required. These loans are available only to individuals who directly receive their disability pension through PTT.
Eligible applicants with a clean credit record and ongoing disability pension payments can receive financial support through PTT. PTT disability loans are financed by several banks including Aktifbank and Şekerbank.
Conditions Required to Apply for a PTT Disability Pension Loan
PTT loan application requirements largely align with standard bank conditions. The main criteria for PTT disability loans are:
Required conditions for PTT disability loans:
- The disability report should be dated 2022 or later.
- The disability report must indicate at least 40% disability.
- The disability pension must continue to be paid during the loan period.
- Applicants must be at least 18 years old; PTT does not provide loans to those over 81.
- A high credit score and a clean credit history are expected.
- Applicants with low credit scores may be required to provide collateral or mortgage.
- Only the disabled person named on the report may apply; guardians or family members cannot apply on their behalf if the person lacks legal capacity.
- Disability pensions must be withdrawn through PTT. Pensions received from other banks must be transferred to PTT via e-government before applying.
How to Apply for a PTT Disability Loan?
Applications for PTT disability loans are handled by several partner banks. The banks that process PTT disability pension loan applications include:
- Aktifbank
- Denizbank
- Şekerbank
- TEB Bank
- Burgan Bank
- ING Bank
You can apply through the branches of these banks or via their mobile and internet banking channels. Both in-person and digital application methods are accepted by partner banks.
After submitting the required documents to the bank, loans against the disability pension can be provided according to each bank’s terms and conditions.
Albaraka Türk Disability Pension Loan Details
Albaraka’s “Barrier-Free Life” loan uses the disability pension as collateral. Applicants with an active disability report and receiving a disability pension may apply to Albaraka Türk.
Albaraka Türk offers repayment terms up to 36 months and applies a profit-sharing model instead of conventional interest.
Albaraka Türk loan limits:
- Maximum financing up to 70,000 TL.
- Repayment terms up to 36 months for disability pension loans.
- A profit share rate around 3.90% is applied.
| Loan Amount | Term | Monthly Installment | Profit Share | Total Repayment |
| 10,000 TL | 36 Months | 608.80 TL | 3.90% | 21,975.24 TL |
| 20,000 TL | 36 Months | 1,217.62 TL | 3.90% | 43,948.81 TL |
| 30,000 TL | 36 Months | 1,826.43 TL | 3.90% | 65,923.54 TL |
| 40,000 TL | 36 Months | 2,435.24 TL | 3.90% | 87,897.76 TL |
| 50,000 TL | 36 Months | 3,044.04 TL | 3.89% | 109,872.95 TL |
| 60,000 TL | 24 Months | 4,337.99 TL | 3.84% | 104,456.47 TL |
Albaraka Türk loan applications can be completed at bank branches or through the bank’s channels such as mobile banking, internet banking and phone banking.
What Are the Features of KOSGEB Support for Disabled Entrepreneurs and How Much Can Be Provided?
KOSGEB support for disabled entrepreneurs helps individuals with disability reports establish businesses. KOSGEB reserves special quotas for disabled entrepreneurs and provides financial support after completion of required entrepreneurship training.
After obtaining an entrepreneurship certificate, disabled applicants can benefit from the quota-based support. KOSGEB offers interest-free loans up to about 100,000 TL and grant support around 50,000 TL, supporting disabled entrepreneurs who need funding to start a business.
KOSGEB entrepreneurship loans can fund many types of business activities. Exact funding amounts are determined after reviewing the submitted project. Interest-free loans are available up to 100,000 TL depending on the project and eligibility.
Non-repayable KOSGEB grants are evaluated based on the quality of the business plan and project. Individuals who want to start a business using the disability quota should apply to KOSGEB entrepreneurship support programs through the official application channels.
Conditions for KOSGEB Disability Loan Use
The criteria for KOSGEB disability support and entrepreneurship loans are outlined below:
- Applicants must be at least 18 years old.
- Applicants must hold a valid 2022 or later disability report with at least 40% disability.
- Applicants must complete the KOSGEB entrepreneurship training and the related courses before using the support.
- KOSGEB support is available only to Turkish citizens; foreign nationals or those residing abroad are generally not eligible.
- Those who previously received KOSGEB support or were partners in a KOSGEB-supported business cannot apply for the same support again.
- Applications must be made by the disabled individual; family members or guardians cannot apply on their behalf.
- An entrepreneurship certificate is required after completing the training program.
- The business must be established within two years after the training program ends.
- A detailed, valid business plan is required; plans without sufficient detail are not eligible.
- Equipment and products purchased for the business must be no older than five years, and invoices are required for both new and second-hand items.
- Applications should be submitted within one year of the stated business establishment date.
KOSGEB loans require submission of a business plan.
Can Disabled Individuals Get Vehicle Loans?
Support loans for disabled people are generally offered as personal loans, so they are not usually designated as vehicle loans. However, if a disabled person has regular, documentable income or is employed under a disability employment program, they may be eligible for a vehicle loan like other borrowers.
Can Disabled Individuals Get Mortgage Loans?
Disabled individuals can obtain mortgage loans provided they meet the same conditions as other applicants: a suitable credit score and regular documented income. Special support loans for disabled persons are typically offered as personal loans, but disabled applicants who meet standard mortgage requirements can access housing loans as well.