Stores that sell furniture on promissory notes without a down payment are common across the country and offer attractive payment options to customers seeking extended instalments. In some cases a guarantor may be required for promissory note purchases. By spreading the total price over up to 36 months, shoppers can buy complete home furniture sets with low monthly payments.
Stores selling furniture without a down payment, on promissory notes, and in instalments across Turkey include the following:
- EVKUR
- EVDİZ
- Soylu AVM
- Modalife
- Bursa İnegöl Furniture Stores
- Gündoğdu Mobilya
- Kargılı Mobilya
- Bellona
- İstikbal Mobilya
EVKUR: Furniture Sales without Down Payment, Paid by Hand in Instalments
EVKUR offers hand-paid instalment options with terms up to 30 months. Purchases paid in instalments up to 12 months are not subject to a finance charge at EVKUR. Through physical stores or EVKUR’s online shop you can buy furniture in instalments without any down payment for terms up to 30 months.
Furniture you can buy from EVKUR with no down payment and hand-paid instalments includes:
- Bedroom sets
- TV units
- Sofa sets
- Divan and base sets
- Dining room sets
EVDİZ: Promissory Note and Hand-Paid Instalment Furniture Sales
EVDİZ carries out promissory note instalment sales through its physical branches. EVDİZ operates 20 branches across 9 provinces in Turkey. With finance charges applied, you can purchase furniture from EVDİZ in instalments over up to 15 months. To buy furniture on promissory notes without a down payment, you can visit EVDİZ branches listed below by province:
- Istanbul – 5 stores
- Tekirdağ – 5 stores
- Eskişehir – 3 stores
- Kırklareli – 2 stores
- Bursa – 1 store
- Samsun – 1 store
- Şanlıurfa – 1 branch
- Sakarya – 1 branch
- Edirne – 1 store
Soylu AVM: No Credit Card, Instalment Furniture Sales
Soylu AVM provides furniture sales in instalments without a credit card with terms up to 15 months. Sales are available both through the company’s online store and its physical branches. After evaluating customers by national ID number, Soylu AVM offers promissory note instalment sales to buyers whose financial history meets the store’s criteria.
At Soylu AVM, which has 31 stores nationwide, the furniture items available for hand-paid promissory instalments include:
- Bedrooms
- Dining rooms
- Outdoor garden furniture
- Sofa sets
- Couches and single armchairs
- Children’s and baby rooms
- TV units
- Tables and chairs
- Furniture accessories
Moda Life: Up to 36–48 Months Promissory, Hand-Paid Instalments
Moda Life offers instalment terms ranging from 36 up to 48 months for furniture purchases. The brand sells furniture in instalments without a credit card, offering up to 36 months for single sets and up to 48 months for wedding package purchases. Moda Life serves customers through physical stores across Turkey—outside of Istanbul and Ankara as well—where you can apply for credit-card-free instalment purchases.
Bursa İnegöl: No Down Payment, Promissory Note and Instalment Furniture Sales
Many stores in Bursa İnegöl offer instalment sales by credit card and by promissory note. Some shops request an initial down payment (for example 10% or 30%) and then instalment the remaining balance, while others may allow instalments without any down payment.
Examples of stores in İnegöl that sell furniture without a down payment, by promissory note, and in instalments include:
- İneviya Mobilya
- Karadağ Mobilya
Gündoğdu Mobilya: Hand-Paid Instalment Furniture Sales
Gündoğdu Mobilya offers hand-paid instalment purchases with terms up to 24 months. The brand, which does not require a credit card or down payment for eligible purchases, operates 113 branches across Turkey. In addition to visiting branches, you can complete your instalment furniture purchase by filling your shopping cart on Gündoğdu Mobilya’s website.
Furniture you can buy from this brand with 24-month hand-paid instalments includes:
- Living room sets
- Dining room sets
- Bedroom sets
- Children’s and youth room sets
- Kitchens, tables, and chairs
- Beds, divan bases, and headboards
- Complementary furniture pieces
Kargılı Mobilya: Promissory, Hand-Paid, No Down Payment Options
Kargılı Mobilya offers hand-paid instalment furniture sales and serves customers from seven stores in four provinces. You can purchase furniture in instalments without a credit card for up to 12 months. The company does not require a guarantor and has stores in Adana, Denizli, Istanbul, and Kocaeli. While Kargılı does not sell on promissory notes, it provides instalment financing through invoiced credit.
Terms and campaign features for Kargılı Mobilya’s hand-paid instalment sales include:
- Purchases can be delayed for 3 months and then paid in instalments up to 12 months.
- Credit interest rates are updated regularly.
- Instalment financing applies to purchases from a minimum of 3,000 TL up to a maximum of 40,000 TL.
- To use instalment financing you must apply in person at a Kargılı Mobilya branch with your identity document.
Does Bellona Offer Hand-Paid Instalments?
At Bellona, hand-paid instalment sales may be available at the dealer level. Since the brand operates through dealers, some Bellona stores offer promissory note instalment sales—typically up to 12 months—on single items or sets.
Does Doğtaş Offer Promissory Note Sales?
Doğtaş’s promissory note sales are conducted via the Koru Sigorta system. The brand offers promissory purchases with a 3-month deferral but does not provide further instalment plans on promissory notes; Doğtaş sells on instalments only via credit card.
İstikbal: 36-Month Hand-Paid Instalment Sales
İstikbal provides 36-month hand-paid instalment sales through its network of dealers across Turkey. Many İstikbal dealers offer 36-month hand-paid instalment plans. For purchases, you typically need to visit a store in person and sign the issued promissory note with your identity document.
What Conditions Do Stores Require for Promissory Note Furniture Sales?
Conditions for promissory note furniture sales vary by store. Some retailers require an initial down payment of 10% or 30% and then instalment the remainder, while others only offer a short deferral of, for example, 3 months on a promissory note.
General requirements you may encounter when buying furniture on a promissory note include:
- You may need to accept paying a required initial down payment in certain cases.
- Stores’ guarantor (kefil) requests must be met when required.
- You must comply with the maximum instalment limit offered by the store.
- You must accept the finance charges applied to promissory instalment sales.
- You must make your payments on schedule and avoid exceeding the deadlines listed on the promissory note.
Is It Sensible to Buy Furniture on Promissory Notes and Instalments?
Purchasing furniture by promissory note and instalments has both advantages and disadvantages. The ability to spread payments over more instalments can make promissory note purchases more attractive than credit cards for large purchases.
However, finance charges applied to promissory note purchases can sometimes exceed conventional credit rates and may not always be financially advantageous. When deciding whether to buy through stores that sell furniture without a down payment, on promissory notes, and in instalments, consider these advantages:
- If you do not have a sufficient credit score for a high-limit credit card or personal loan, hand-paid promissory instalments can be an option.
- Promissory note purchases follow a fixed payment schedule; price increases after purchase do not affect your agreed payments.
- If you lack sufficient cash on hand, promissory instalments allow you to buy without immediate full payment.
- By consolidating purchases in a single store with instalments up to 48 months, you can meet multiple needs without deferring them.