Koc Finansman

What Koc Finansman does

Koc Finansman A.Ş. (doing business as Koçfinans) is a Turkish non-bank consumer finance company founded in 1995 as Turkey's first dedicated consumer finance company. Headquartered in Üsküdar, Istanbul, it provides vehicle financing to individual consumers and corporate customers under BDDK regulation, operating without physical branches through a digital-first platform and an authorized dealer network spanning all 81 Turkish provinces. The product portfolio is anchored by new vehicle loans (KrediTaşıt Sıfır), used vehicle loans (KrediTaşıt İkinci El, for vehicles up to 15 years old), tractor financing under the Türk Traktör Finans program, and corporate products including dealer finance (Bayi Finansmanı/BAF), fleet loans, and heavy commercial vehicle loans.

The technology stack is centered on a digital self-serve platform comprising the Koçfinans Mobil mobile app (iOS and Android), an online application portal at kredibasvurusu.kocfinans.com.tr, and an in-house R&D Center (Ar-Ge Merkezi) developing AI-powered risk-based analytics models for credit decisioning. Insurance products are distributed through Sigola, a wholly-owned digital insurance agency (KF Sigorta Aracılık Hizmetleri A.Ş., established 2022, launched 2023) that aggregates offers from multiple insurance providers, alongside an exclusive credit protection insurance product underwritten with BNP Paribas Cardif Hayat Sigorta A.Ş.

Revenue mechanics consist primarily of interest income on vehicle credit extended to consumers and businesses, supplemented by commission revenue from credit protection insurance (BNP Paribas Cardif), casco (comprehensive vehicle) insurance via Sigola, and a broader insurance aggregator commission stream. The go-to-market combines direct-to-consumer digital channels (mobile app, online application, contact center, corporate customer solutions center) with channel partner activation through authorized dealers of major automotive brands including Ford, Nissan, Honda, BMW, Mini Cooper, Jaguar, Land Rover, Kia, New Holland, and Case IH. In July 2026, Ford Otosan completed acquisition of 100% of Koc Finansman shares for USD 137 million, transitioning control from Koç Holding (50%) and Arçelik (47%) to a strategic OEM parent.

Name

Koc Finansman

Legal name

KOÇ FİNANSMAN A.Ş.

Website

https://kocfinans.com.tr

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

101–250 employees

Short description

Koçfinans is a Turkish non-bank consumer finance company founded in 1995, providing new and used vehicle loans, tractor financing, and corporate fleet financing to individual consumers and businesses through a digital-first platform and an authorized dealer network spanning all 81 Turkish provinces, now wholly owned by Ford Otosan.

Ownership category

akta.pro rank

Headquarters

HQ city

Üsküdar

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Taşıt Kredisi Faiz Gelirleri: Core revenue from vehicle financing including new car loans, used car loans, and tractor loans. Interest income generated from credit extended to consumers and businesses for vehicle purchases.
2. Kredi Koruma Sigortası Komisyonları: Credit protection insurance products provided in partnership with BNP Paribas Cardif Hayat Sigorta A.Ş. Commission revenue from insurance products linked to loans.
3. Kasko Sigortası Komisyonları: Casco/vehicle insurance products offered through Sigola platform, generating commission revenue from multiple insurance company partners.
4. Sigola Sigorta Aracılık Gelirleri: Digital insurance agency revenue through Sigola platform, comparing offers from leading insurance companies and earning commissions on policies sold.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core offering

Koç Finansman (Koc Finansman) is Turkey's pioneering consumer finance company, founded in 1995 and regulated by the BDDK, specializing in automotive financing. The company provides vehicle loans for new and used cars, tractor loans, dealer financing, fleet loans, and heavy commercial vehicle loans, along with digital insurance products distributed through a branchless authorized dealer network spanning all 81 Turkish provinces and digital channels.

Product overview

Koc Finansman (Koçfinans) is a Turkey-based automotive financing company operating as a finance company under BDDK regulation since 1995. The company provides a comprehensive suite of financing and insurance products through both branchless operations and an extensive network of contracted sales points. The product portfolio centers on KrediTaşıt for new and used vehicle financing (individual and commercial), complemented by Kredi Traktör for agricultural equipment under the Türk Traktör Finans program. Corporate offerings include Bayi Finansmanı (BAF) for dealer financing, Kredi Filo for fleet purchases, and Kredi Truck for heavy commercial vehicles. Insurance products are delivered through Sigola, the company's digital insurance platform established in 2023, which offers Kasko and Kredi Koruma Sigortası policies via contracted insurance companies including BNP Paribas Cardif. The company operates without physical branches, leveraging digital channels including Koçfinans Mobil app for iOS and Android, and employs AI-powered risk analytics developed at its Ar-Ge (R&D) Center.

Differentiator

Problem solved

Functional benefit

Products and services

• Sıfır Km Taşıt Kredisi (New Vehicle Loan)
• İkinci El Taşıt Kredisi (Used Vehicle Loan) Consumer loan product financing the purchase of second-hand / pre-owned vehicles for individual buyers in Turkey, originated through the authorized dealer network and digital channels with AI-powered risk analytics.
• Traktör Kredisi (Tractor Loan) Specialized loan product for the purchase of agricultural tractors, supporting individual farmers and agricultural operators across Turkey through Koç Finansman's dealer and digital channels.
• Bayi Finansmanı (Dealer Financing) B2B floor plan and inventory financing for Koç Finansman's authorized automotive dealer network, enabling dealers to fund showroom inventory and provide point-of-sale financing infrastructure to end customers across Turkey.
• Kredi Filo (Fleet Loan) B2B financing product for commercial vehicle fleets operated by logistics, construction, and corporate fleet operators in Turkey, supporting multi-vehicle fleet acquisition and renewal.
• Kredi Truck / Ağır Ticari Araç Kredisi (Heavy Commercial Vehicle Loan) Financing product for heavy commercial trucks and other heavy commercial vehicles used in commercial logistics and transport operations across Turkey.
• Sigola (Digital Insurance Agency) Digital insurance distribution platform operated by Koç Finansman as a digital insurance agency, enabling customers to access and purchase vehicle and credit protection insurance products online as part of the company's bundled offering alongside its loan products.
• Kredi Koruma Sigortası (Credit Protection Insurance) Credit life and payment protection insurance product bundled with Koç Finansman loan products, designed to protect borrowers' outstanding loan balances in case of unforeseen events, distributed via Sigola and dealer channels.
• Kasko (Comprehensive Motor Insurance) Comprehensive motor insurance product distributed by Koç Finansman through Sigola and dealer channels to protect financed vehicles against damage, theft, and other covered losses.

Quantifiable outcome

• Average 30-minute tractor loan evaluation time
• +3 more outcomes

Named customers10 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• BNP Paribas Cardif Hayat Sigorta A.Ş.coreStrategic or Co-development PartnerKredi Koruma Sigortası (Credit Protection Insurance) products provided exclusively through BNP Paribas Cardif Hayat Sigorta A.Ş. The insurance covers death, permanent disability, involuntary unemployment, and temporary incapacity risks.
• Sigola Insurance Partner NetworkcoreChannel Partner/ Reseller/ DistributorSigola digital insurance platform aggregates offers from leading insurance companies in Turkey, enabling customers to compare and purchase traffic insurance and casco policies through a single interface. KF Sigorta Aracılık Hizmetleri A.Ş. operates as the insurance agency.
• Türk TraktörcoreStrategic or Co-development PartnerTürk Traktör Finans program provides specialized tractor financing through Kredi Traktör product. Special campaign rates for New Holland and Case IH brands. Harvest-indexed payment plans for farmers.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Others

• Allianz Sigorta: One of Turkey's leading general insurance carriers active in motor/Kasko lines; comparable to Koçfinans' insurance ambition via Sigola as a channel partner and a proxy for the addressable embedded-insurance opportunity.

Direct peers

• Toyota Financial Services: Captive auto finance provider for Toyota and Lexus dealers worldwide offering retail financing, leasing, and dealer floor-plan lending; closest analog to Koçfinans' now-Ford-Otosan-owned captive positioning.
• Ford Motor Credit Company (Ford Credit): Ford's global captive finance arm; directly comparable to Koçfinans given the parent's recent 100% acquisition by Ford Otosan, with shared captive-finance strategy, dealer financing, and retail auto loans across markets.
• Volkswagen Financial Services: Global automotive captive finance arm operating dealer financing and consumer leasing/loans across markets; structurally comparable to Koçfinans given OEM-linked auto financing and dealer-floor-plan capabilities.
• BNP Paribas Personal Finance (Cetelem): BNP Paribas Group's consumer finance arm providing installment and personal loans across multiple European markets; comparable business model to Koçfinans (consumer durable/vehicle credit) and already active in Turkey via the TEB partnership and credit insurance cooperation.

Broad incumbents

• Akbank: Major Turkish private bank with strong consumer lending and credit card businesses; competes with Koçfinans for personal auto and consumer loan demand nationwide, with deposit funding advantages.
• Yapı Kredi: Large Turkish universal bank (Koç Group affiliated until recent restructurings) with active vehicle finance and consumer loan origination; competes with Koçfinans across retail lending while operating the dominant credit card franchise.
• Türkiye İş Bankası: Turkey's largest private bank with a sizable vehicle and consumer loan book and extensive branch network; competes with Koçfinans on consumer installment loans at scale and benefits from cheaper deposit funding.
• Garanti BBVA: One of Turkey's largest private banks with a sizable vehicle and consumer loan portfolio and a broad national branch network; competes with Koçfinans for dealer and consumer financing volume with deposit-funded cost advantages.
• TEB (Türk Ekonomi Bankası): Turkish bank within the BNP Paribas group with a strong consumer finance and vehicle loan business; directly competes with Koçfinans in personal and auto installment lending while accepting deposits—a structural funding advantage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/kocfinans
• YouTubeyoutube.com/c/Ko%C3%A7finansman
• Facebookfacebook.com/kocfinans
• LinkedInlinkedin.com/company/kocfinans/?viewAsMember=true
• Instagraminstagram.com/kocfinanstr

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments1 record

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

Frequently asked questions about Koc Finansman