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Open an Installment Overdraft Deposit Account, don't postpone your needs.
What is Installment Overdraft?
Installment Overdraft is a new feature defined in your overdraft account, which allows you to pay your expenses and payments in installments, when you need urgent cash for your unexpected expenses, without breaking your budget.
Without delaying your needs, you can use your Installment Overdraft for transactions made from your current account or for cash withdrawals, and repay them with installments for up to 12 months. Moreover, you do not pay any additional fees, charges, or commissions.
Cash Usage
Installment Overdraft allows you to apply installments for your payments and cash withdrawals from your account. You can withdraw cash from Garanti BBVA ATMs and Garanti BBVA branches, and using cash you can make all your payments in installments for up to 12 months, from Garanti BBVA Mobile, Garanti BBVA Internet, or 444 0 335.
Transaction Installment
With the Installment Overdraft feature, you can pay for your shopping, rent payment, money order, EFT, bill payment, or withdrawal in the last 30 days from your current TL account to which your Advance Account is linked, in installments from Garanti BBVA Mobile, 444 0 335 Instant Credit Line or our branches.
Debt Installment
With the Installment Overdraft - Debt Installment feature, you can pay all your expenses in small installments from your Overdraft Account limit in installments up to 12 months at once.
You can pay your Overdraft Account debt in installments at 444 0 335 Instant Credit Line or from our branches.
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Sample Repayment Plan
* The first installment dates may vary depending upon the day the installment overdraft account is used, installment amounts may thus change.
** Loan and advance account requests submitted to our Bank will be evaluated on a customer-specific basis, taking into account the criteria such as the customer's monthly income information, credit score, etc. within the framework of our Bank's credit and allocation policies. Accordingly, in case the application is negative, it will not be possible to benefit from the loan or advance account.
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Features
- Installment Overdraft is an overdraft account feature that you can use within your Advance Account limit.
- Installment Overdraft limit depends on your Overdraft Account limit. When using installments, the amount used is reflected in your Overdraft Account limit.
- You can use your Installment Overdraft without touching the money in your current account, even if you do not have any money in your account.
- With your Installment Overdraft, you can withdraw cash from Garanti BBVA ATMs or make urgent payments such as rent and invoices by transferring money to your Garanti BBVA current TL account.
- With the Installment Overdraft, you can also pay your money order, EFT, bill payment, shopping, or withdrawal transactions made in the last 30 days from your current TL account to which your Overdraft Account is linked, with installments for up to 12 months from Garanti BBVA Mobile or our branches.
- With the Installment Overdraft, you can pay your Overdraft Account debt in installments.
- Your Installment Overdraft limit is the same of your Overdraft Account limit.
- Minimum installment usage amount is 500 TL.
- You can repay with installments for up to 12 months.
- The minimum installment is 3 months and the maximum installment is 12 months.
- Installment payments will be automatically collected from your current account which is linked to your overdraft account. If there is not enough balance in your current account, some or all of your installments will be covered from your Overdraft Account limit and you will have to pay the full amount reflected on the Overdraft Account statement of the relevant month until the repayment date. Interest in the installment amount paid from your Overdraft Account will not be charged interest again.
- The monthly contractual interest rate for the Installment Overdraft is 5% for each amount.
