Motorcycle loan calculator
Pick a model (price fills from the market reference value) or enter a price — see the real monthly installment with taxes included.
Loan calculator
The figures above are informational estimates only and not a bank offer. Rates and BDDK caps may change with current data. The effective rate is calculated by adding 15% KKDF + 15% BSMV. Your actual monthly rate may also differ based on your credit score and whether the motorcycle is brand new or used.
Payment schedule
| # | Installment | Principal | Interest & tax | Remaining |
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Frequently asked questions
What are KKDF and BSMV?
Two taxes applied to consumer vehicle loan interest in Türkiye: KKDF (15%) and BSMV (15%). Together they raise the advertised monthly rate by 30% — an advertised 3.49% costs you an effective 4.54% per month. Our calculator always includes them.
How many months can a motorcycle loan be?
BDDK caps the term by vehicle price in tiers (e.g. longer terms for cheaper vehicles, shorter for expensive ones, none above the top tier). Enter the price above and the calculator shows the current maximum term for that amount.
Vehicle loan or personal loan for a motorcycle?
A vehicle loan usually has a lower rate but requires invoicing and a lien on the vehicle, and is bound by BDDK term caps. A personal (ihtiyaç) loan is more flexible but usually more expensive. For used bikes from private sellers, a personal loan is often the only option.
Can I get a loan for a used motorcycle?
Yes — banks finance used vehicles bought from dealers or with an expertise report; the same BDDK term caps apply based on the insured value. Private-party sales are usually financed with personal loans instead.
Where does the default interest rate come from?
It is a market average we keep updated manually; always enter your own bank's current offer for an exact figure. Rates vary widely between banks and campaign periods.