Historic Record in Savings Finance Sector: Customer Base Surpasses 1.1 Million

Strategic Growth and Legal Framework Rising interest rates and increasing real estate prices have directed consumers looking to own homes or vehicles toward the savings finance sector.
Previously preferred primarily by interest-sensitive segments, this model has reached a broader audience and record levels following legal regulations implemented in 2021 and the entry of public banks into the sector.
Significant Surge in Transaction Volume and Customer Numbers According to recent data, demand for the savings finance system has gained significant momentum over the last three years.
The number of customers, which stood at 370,445 in 2023 and 533,734 in 2024, crossed a historic threshold to reach 1,157,958 as of 2025.
The sector's total transaction volume increased by 262 percent compared to the previous year, reaching 1.211 trillion TL.
Additionally, the sector's asset size climbed from 29 billion TL in 2023 to 323 billion TL in 2025.
System Operation and Cost Structure The fundamental feature that distinguishes the savings finance system from traditional bank loans is the absence of interest.
Consumers can create payment plans suitable for their budgets by choosing between "lottery-based" or "customer-based" models.
In this system, financing costs are covered by a service fee ranging from 8 to 14 percent instead of interest rates.