Within the Türk Traktör Finance program, our Kredi Traktör product offers flexible repayment options tailored for farmers, such as annual payments, semi-annual payments, quarterly payments, and monthly payments, as well as payment plans aligned with harvest dates. We provide terms ranging from 12 to 48 months, along with the advantages of fast and straightforward evaluation without excessive formalities, contributing to the needs of Turkish farmers.

With special promotional interest rates for the New Holland and Case IH brands, we offer farmers the opportunity to own their new tractors. You can apply through Koçfinans contracted dealerships and receive the result of your application very quickly.

· How to Obtain a New Tractor Loan?

If you meet the requirements for a new tractor loan, you can follow the steps below to obtain the financing you need.

Submit a Loan Application

When applying for a loan, you are expected to be purchasing a tractor, and the tractor must be registered in the name of the applicant who holds a Farmer Registration System (ÇKS) certificate.

Your Loan is Evaluated

Loan terms include factors such as the interest rate, loan term, and repayment schedule. These conditions are determined based on your loan eligibility and needs. Loan eligibility is assessed by evaluating your income, assets, liabilities, and credit history.

Your Loan is Ready

If you meet all requirements following the evaluation, you can immediately use your loan.

· What are the Interest Rates for a Tractor Loan?

Interest rates are determined by the financing institution and may vary depending on market conditions. The interest rate determines the total amount to be repaid over the loan period, including both principal and interest payments. Interest rates are generally expressed annually and stated as a percentage.

Within the framework of the Türk Traktör Finance program, promotional themes may vary on a monthly basis. You can contact the authorized dealer to obtain up-to-date information on current conditions.

To ensure that your loan application at contracted sales points proceeds quickly, the following documents are required:

For Individual Farmers

· Photocopy of identification document

· Residential address verified through the Address Registration System (AKS), a formal institution. For customers whose address cannot be verified, a document showing the address from the last 3 months is required

· Current ÇKS (Farmer Registration System) certificate obtained via e-Government

· For farmers engaged in livestock activities, a Livestock Enterprise Registration Certificate (for cattle or small ruminants) issued by the district agricultural chamber

For Legal Entity Customers

· Photocopies of identification documents of shareholders with more than 25% ownership

· Trade Registry Gazette showing the current shareholding and capital structure

· Current notarized signature circulars

· For vehicle purchases to be used for commercial purposes, a Chartered Accountant-certified document showing the vehicle is recorded as a business asset

· ÇKS or Livestock Enterprise Registration Certificate issued in the name of the company