What Hangikredi.com does

Hangikredi.com (legal entity Hangisi İnternet ve Bilgi Hizmetleri A.Ş.) is a Turkey-based financial product comparison and lead-generation platform that aggregates retail banking and adjacent financial products from 20+ partner banks onto a single consumer-facing interface. The platform is built around a web- and mobile-based multi-bank comparison engine covering personal loans (İhtiyaç Kredisi), mortgages (Konut Kredisi), vehicle loans (Taşıt Kredisi), overdraft accounts (Kredili Mevduat Hesabı), credit cards, time deposits, FX, gold, equities (BIST), investment funds (TEFAS), IPO tracking, and participation-bank profit-share accounts, supplemented by calculation tools (Kredi Hesaplama Araçları), a credit score service (HangiKredi Finansal Raporu), a retirement-banking module (Emekli Bankacılığı), remote customer onboarding, and insurance comparison delivered in partnership with Sigortam.net. Supporting sub-brands include HangiKredi KOBİ (SME/commercial loans), HangiBilgi (educational content), and HangiKredi Finansal Raporu (credit health).

The company operates a direct-to-consumer go-to-market with no fees charged to end users; the platform is offered free to consumers across web (hangikredi.com), native iOS/Android/Huawei mobile apps, and dedicated SME portal (hangikredikobi.com). Revenue is generated exclusively through affiliate/referral commissions paid by partner banks when users successfully complete loan, card, or deposit applications initiated on the platform. Marketing relies on organic Turkish-language SEO, a HangiBilgi content hub, and social channels (Facebook, YouTube, X, Instagram, LinkedIn) to capture high-intent financial search traffic.

Hangikredi is a privately held subsidiary of İlab Holding, a diversified Turkish internet group whose portfolio also includes Kariyer.net (employment), Sigortam.net (insurance), Arabam.com (automotive), and Cimri (price comparison). Founded in 2005 and headquartered in Istanbul (Ümraniye), Hangikredi celebrated its 20-year anniversary in 2025 and is recognized as Turkey's leading financial product comparison platform, with a TOBB fastest-growing-companies recognition from 2015. The leadership team includes CEO Oray Durmazoğlu, CDO Mustafa Oral, CCO Onur Oğuz, and EVP of Technology / iLab Ventures Muammer Hallaç.

Name

Hangikredi.com

Legal name

Hangisi İnternet ve Bilgi Hizmetleri A.Ş.

Website

https://hangikredi.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

101–250 employees

Short description

Hangikredi.com is Turkey's leading financial product comparison platform, letting consumers compare personal loans, mortgages, vehicle loans, credit cards, deposits, and insurance offers from 20+ banks and apply online at no cost. It generates revenue via affiliate/referral commissions from partner banks.

Ownership category

akta.pro rank

Product category

Financial Product Comparison

NAICS

Activities Related to Credit Intermediation (5223), Credit Bureaus (56145)

SIC

Loan Brokers (6163), Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Lead Generation, Comparison & Marketplace Platforms (Financial Products) (FSAEAMAM)

akta.pro secondary industries

Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ), Credit Score Monitoring & Credit Building (FSAGADAE), Digital Distribution & Comparison Platforms (Aggregators/Marketplaces) (FSAGAGAA)

Keywords

• Financial product comparison
• Online loan comparison
• Credit card comparison
• Banking rate aggregation
• Personal finance marketplace

Headquarters

HQ city

Kadikoy

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

Technology or R&D, Marketing or Sales, Personnel, Operations

Revenue model

1. Bank referral commissions: Hangikredi receives referral fees from partner banks when users successfully complete loan applications through the platform. The platform facilitates applications but does not guarantee loan approval as banks make independent evaluations.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Hangikredi.com operates an online comparison and application platform that aggregates financial products — personal loans, mortgages, vehicle loans, credit cards, deposits, investment products, and insurance — from 20+ Turkish banks on a single website. Consumers use the platform to compare interest rates, calculate monthly payments, view promotional offers, and submit online applications that are routed to partner banks for final approval and disbursement.

Product overview

Hangikredi.com is a financial product comparison platform that aggregates and compares loan products, credit cards, and investment instruments from over 20 partner banks in Turkey. The platform consists of a core comparison engine for personal loans (İhtiyaç Kredisi), mortgage loans (Konut Kredisi), vehicle loans (Taşıt Kredisi), and overdraft accounts (KMH), supplemented by calculation tools (Kredi Hesaplama Araçları), a credit card comparison module (Kredi Kartı Karşılaştırma), investment product listings (Mevduat/Yatırım Araçları), insurance services (Sigorta Sorgulama via Sigortam.net partnership), retirement banking (Emekli Bankacılığı), credit scoring (HangiKredi Finansal Raporu), and educational content (HangiBilgi). The platform enables users to compare rates, calculate payments, and submit online applications directly to partner banks.

Differentiator

Problem solved

Functional benefit

Brands

• HangiKredi KOBİ: A separate platform for small and medium-sized enterprises (SME) to compare and apply for commercial loans and business financing products.
• HangiBilgi
• HangiKredi Finansal Raporu

Products and services

• Loan Comparison and Application Platform (Kredi Karşılaştırma ve Başvuru Platformu) A web-based platform that aggregates personal loans, mortgages, vehicle loans, overdraft accounts, and SME loan products from 20+ Turkish banks, enabling consumers to compare rates and submit online applications routed to partner banks.
• Credit Card Comparison Platform (Kredi Kartı Karşılaştırma)

Quantifiable outcome

• Compare rates from 20+ banks for personal loans, mortgages, and vehicle loans
• +1 more outcomes

Named customers10 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

16 partnerships are on record, tiered minor and core.

• Sigortam.netminorStrategic or Co-development PartnerHangikredi partners with Sigortam.net to offer insurance product comparisons including health insurance, vehicle insurance (Kasko), mandatory traffic insurance, and home insurance. This partnership extends the platform's financial services offering to include insurance products alongside banking products.
• AkbankcoreChannel Partner/ Reseller/ DistributorMajor Turkish bank partner offering personal loans, credit cards, and vehicle loans through Hangikredi. The platform displays Akbank's promotional rates including 0% interest campaigns for new customers.
• Garanti BBVAcoreChannel Partner/ Reseller/ DistributorLeading Turkish bank offering credit cards (Axess, Bonus, Miles&Smiles) and various loan products with special promotional campaigns featured prominently on Hangikredi's platform.
• İş BankasıcoreChannel Partner/ Reseller/ DistributorTurkey's largest private bank offering personal loans, credit cards (Maximum, Maximiles), and vehicle loans with promotional campaigns including up to 25,000 TL cash advance offers.
• QNB (Finansbank)coreChannel Partner/ Reseller/ DistributorPartner bank offering personal loans and credit cards (Cardfinans) with promotional 0% interest campaigns for new customers.
• ING TurkeycoreChannel Partner/ Reseller/ DistributorDigital banking partner offering competitive personal loan rates starting from 2.99% interest, featured as one of the lowest-rate options on the platform.
• Yapı KredicoreChannel Partner/ Reseller/ DistributorMajor Turkish bank partner offering credit cards and various loan products through the Hangikredi comparison platform.
• VakıfBankcoreChannel Partner/ Reseller/ DistributorState-owned bank partner offering mortgage loans, personal loans, and pension account services with promotional campaigns for new customers.
• HalkbankcoreChannel Partner/ Reseller/ DistributorState-owned participation bank offering personal and commercial loans, credit cards, and SME banking products.
• Albaraka TürkcoreChannel Partner/ Reseller/ DistributorParticipation bank offering Islamic-compliant personal financing, home financing, and vehicle financing products with profit-share rates instead of interest.
• Kuveyt TürkcoreChannel Partner/ Reseller/ DistributorParticipation bank partner offering profit-share based personal financing, vehicle financing, and commercial banking products compliant with Islamic finance principles.
• Ziraat BankasıcoreChannel Partner/ Reseller/ DistributorState-owned bank partner offering personal loans, mortgage loans, and pension account services with promotional campaigns.
• TEB (Türk Ekonomi Bankası)coreChannel Partner/ Reseller/ DistributorBank partner offering personal loans, credit cards, and commercial banking products with promotional rate campaigns featured on the platform.
• DenizBankcoreChannel Partner/ Reseller/ DistributorBank partner offering personal loans, credit cards, and vehicle loans including promotional campaigns with up to 90,000 TL cash offers.
• Odea BankminorChannel Partner/ Reseller/ DistributorDigital banking partner offering competitive personal loan rates starting from 2.99% for new customers.
• Enpara.comminorChannel Partner/ Reseller/ DistributorDigital banking arm of QNB offering fee-free credit cards and competitive loan rates for new customers.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Bankalar.com: Turkish banking and financial product comparison site aggregating offers from Turkish banks. Operates in the same loan and credit card comparison category as Hangikredi, targeting Turkish consumers.
• GoCompare: UK financial comparison platform across insurance, credit cards, and loans with commission-based provider referrals. Closely aligned marketplace comparison model to Hangikredi, scaled in the UK market.
• LendingTree: US-headquartered online loan comparison marketplace that connects borrowers with multiple lenders across personal, mortgage, auto, and business credit products, monetizing via lender referral fees. Closely analogous business model to Hangikredi's consumer loan comparison platform, scaled across a much larger market.
• BankBazaar: India-headquartered financial product comparison marketplace for credit cards, loans, and insurance, monetizing through bank referral fees. Closely comparable marketplace model serving an emerging consumer finance market similar to Turkey.
• Moneysupermarket: UK-based financial price comparison platform across insurance, banking, credit cards, and loans, with revenue largely from commission-based provider referrals. Same category and business model as Hangikredi at greater scale in the UK.
• Enuygun.com: Turkish online comparison platform covering financial products (loans, credit cards, deposits) alongside travel and insurance. Direct in-market competitor to Hangikredi across overlapping consumer financial product categories.

Broad incumbents

• Credit Karma: US-based personal finance platform combining free credit score monitoring with financial product recommendations (credit cards, loans, insurance) and lender referral monetization. Conceptually similar to Hangikredi's credit report plus comparison combination, but at significantly larger scale and broader financial product coverage.
• NerdWallet: US personal finance content and comparison platform spanning credit cards, loans, banking, and insurance with provider referral monetization. Overlaps Hangikredi's content-plus-comparison strategy at significantly larger scale.
• Sigortam.net: Sister company under İlab Holding and Hangikredi's insurance comparison partner, covering health, vehicle, and home insurance. Operates a parallel comparison marketplace model in the insurance vertical within the same corporate group.

Others

• Cimri: Sister company under İlab Holding operating Turkey's generalist price comparison platform across retail categories. Shares corporate parent and comparison-platform DNA with Hangikredi, though focused on non-financial retail products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/hangikredicom
• YouTubeyoutube.com/user/HangiKredi
• Facebookfacebook.com/hangikredi
• LinkedInlinkedin.com/company/2462620
• Instagraminstagram.com/hangikredi

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Hangikredi.com