Personalized financial platform TeklifimGelsin examined the financial behavior of users seeking loans in the first half of 2026. The research found that consumers’ primary motivation for taking out loans was managing their existing financial obligations in a more planned way, rather than financing new spending. The results also shed light on how loan-seeking motivations vary by gender, income group, and seasonal needs.
According to TeklifimGelsin’s data, between 55 and 57 percent of users seeking personal loans in the first half of 2026 — the figure varying by month — planned to use the loan to manage their existing financial obligations more effectively. Financing daily needs ranked second, cited by 36 to 38 percent of users. The data shows that consumers are increasingly managing their budgets more carefully in the face of rising costs, prioritizing the consolidation of different financial obligations under a single structure in order to simplify their payment plans and maintain financial balance.
Women focus on financial balance, men on vehicle purchases
The research also found that loan-seeking motivations differ by gender. While 62.9 percent of female users sought personal loans to manage their existing financial obligations in a more planned way, this figure stood at 53.2 percent among men.
Male users, meanwhile, showed higher demand for vehicle-purchase loans. While 34.9 percent of men sought loans for vehicle purchases, this figure was 22.3 percent among women. Men also showed higher rates of seeking loans for planned expenses such as holidays and weddings compared to women.
Holiday and wedding expenses are planned in advance
TeklifimGelsin’s data for the first half of 2026 shows that consumers do not leave their seasonal spending to the last minute. Demand for holiday loans stood at 12.6 percent in January, rising through the spring months to reach 17.1 percent in April — the highest level in the first half of the year. This pattern indicates that financing plans for summer holidays are made months in advance.
A similar trend was observed in wedding financing. Demand for wedding loans peaked at 11.5 percent in January before declining as summer approached, falling to 8.8 percent in June. The data indicates that financing for summer weddings is largely planned in the earlier months of the year.
Looking at age groups, the 25-34 age bracket stands out in wedding financing. According to the research, this age group alone accounts for 46.3 percent of total wedding loan volume, ranking first.
Another notable finding in holiday loans concerns users aged 55 and above. While the 25-34 age group maintains its lead in holiday loan volume, the 18.7 percent share held by users aged 55 and above shows that retirees also prefer to plan and finance spending aimed at their quality of life.
Financial priorities shift according to income group
The research also shows that loan purposes vary by income level. Demand for holiday loans reached its highest level, at 20.8 percent, in the upper-income (A) group, falling to as low as 9.8 percent in the lowest-income group (E). Demand for education loans was likewise highest in the upper-income (A) group, at 20.2 percent, declining to around 15 percent in the middle- and lower-income groups (C1, C2, D).
The tendency to manage financial obligations more effectively also varies across income groups. This figure stood at 48 percent in the upper-income group (A), compared to 58.4 percent in the lower-middle-income group (C2) — a result indicating that consumers prioritize financial planning regardless of income level.
The picture shifts when it comes to wedding financing. Of total demand for wedding loans, 32.9 percent came from the middle-income group (C1) and 29.9 percent from the lower-middle-income group (C2), indicating that the burden of wedding financing is concentrated mainly in middle-income groups.
Commenting on the research, TeklifimGelsin CEO İhsan Cem Zararsız said: “Our data for the first half of 2026 shows that consumers are now turning to credit not just to finance new spending, but to manage their budgets more efficiently. Our users prefer to consolidate their various financial obligations into a more sustainable structure in order to simplify their payment plans. This approach points to a strengthening trend of financial awareness and informed decision-making. At TeklifimGelsin, we continue to support our users through our Credit Report product, which we offer free of charge on first use, helping them evaluate the financing options best suited to their needs, develop their financial literacy, and make more informed financial decisions.”
