diff --git a/src/app/(dashboard)/finance/loans/components/loan-form-sheet.tsx b/src/app/(dashboard)/finance/loans/components/loan-form-sheet.tsx
new file mode 100644
index 0000000..6d87335
--- /dev/null
+++ b/src/app/(dashboard)/finance/loans/components/loan-form-sheet.tsx
@@ -0,0 +1,254 @@
+"use client";
+
+import { useActionState, useEffect, useState } from "react";
+import { Loader2, Save } from "lucide-react";
+import { toast } from "sonner";
+
+import { Button } from "@/components/ui/button";
+import { Input } from "@/components/ui/input";
+import { Label } from "@/components/ui/label";
+import {
+  Select,
+  SelectContent,
+  SelectItem,
+  SelectTrigger,
+  SelectValue,
+} from "@/components/ui/select";
+import {
+  Sheet,
+  SheetContent,
+  SheetDescription,
+  SheetFooter,
+  SheetHeader,
+  SheetTitle,
+} from "@/components/ui/sheet";
+import { Textarea } from "@/components/ui/textarea";
+import { createLoanAction } from "@/lib/appwrite/loan-actions";
+import { initialLoanState } from "@/lib/appwrite/loan-types";
+import { formatTRY } from "@/lib/format";
+
+import type { BankAccountOption } from "./types";
+
+const NONE = "__none__";
+
+function computeMonthly(principal: number, ratePct: number, n: number): number {
+  if (!principal || !n) return 0;
+  const r = ratePct / 100;
+  if (r === 0) return Number((principal / n).toFixed(2));
+  const factor = Math.pow(1 + r, n);
+  return Number(((principal * r * factor) / (factor - 1)).toFixed(2));
+}
+
+export function LoanFormSheet({
+  open,
+  onOpenChange,
+  bankAccounts,
+}: {
+  open: boolean;
+  onOpenChange: (v: boolean) => void;
+  bankAccounts: BankAccountOption[];
+}) {
+  const [state, formAction, isPending] = useActionState(createLoanAction, initialLoanState);
+  const [principal, setPrincipal] = useState(0);
+  const [rate, setRate] = useState(2.5);
+  const [term, setTerm] = useState(24);
+
+  useEffect(() => {
+    if (state.ok) {
+      toast.success("Kredi kaydedildi, taksitler oluşturuldu.");
+      onOpenChange(false);
+    } else if (state.error) {
+      toast.error(state.error);
+    }
+    // eslint-disable-next-line react-hooks/exhaustive-deps
+  }, [state]);
+
+  const monthly = computeMonthly(principal, rate, term);
+  const total = monthly * term;
+  const today = new Date().toISOString().slice(0, 10);
+
+  return (
+    <Sheet open={open} onOpenChange={onOpenChange}>
+      <SheetContent className="flex w-full flex-col gap-0 p-0 sm:max-w-xl">
+        <SheetHeader className="border-b px-6 py-4">
+          <SheetTitle>Yeni kredi</SheetTitle>
+          <SheetDescription>
+            Kaydedince {term || 0} adet taksit otomatik hesaplanır ve eklenir.
+          </SheetDescription>
+        </SheetHeader>
+
+        <form
+          action={(fd) => {
+            if (fd.get("bankAccountId") === NONE) fd.set("bankAccountId", "");
+            formAction(fd);
+          }}
+          className="flex flex-1 flex-col"
+        >
+          <div className="flex-1 space-y-4 overflow-y-auto px-6 py-5">
+            <div className="grid gap-4 md:grid-cols-2">
+              <div className="grid gap-2">
+                <Label htmlFor="bankName">Banka *</Label>
+                <Input id="bankName" name="bankName" required placeholder="Garanti BBVA" />
+                {state.fieldErrors?.bankName && (
+                  <p className="text-destructive text-xs">{state.fieldErrors.bankName}</p>
+                )}
+              </div>
+              <div className="grid gap-2">
+                <Label htmlFor="loanType">Tür</Label>
+                <Select name="loanType" defaultValue="consumer">
+                  <SelectTrigger id="loanType">
+                    <SelectValue />
+                  </SelectTrigger>
+                  <SelectContent>
+                    <SelectItem value="consumer">İhtiyaç</SelectItem>
+                    <SelectItem value="vehicle">Taşıt</SelectItem>
+                    <SelectItem value="housing">Konut</SelectItem>
+                    <SelectItem value="commercial">Ticari</SelectItem>
+                    <SelectItem value="kmh">KMH</SelectItem>
+                    <SelectItem value="other">Diğer</SelectItem>
+                  </SelectContent>
+                </Select>
+              </div>
+            </div>
+
+            <div className="grid gap-2">
+              <Label htmlFor="loanName">Kredi adı *</Label>
+              <Input id="loanName" name="loanName" required placeholder="Örn. Ofis kredisi" />
+            </div>
+
+            <div className="grid gap-2">
+              <Label htmlFor="bankAccountId">Bağlı hesap</Label>
+              <Select name="bankAccountId" defaultValue={NONE} disabled={bankAccounts.length === 0}>
+                <SelectTrigger id="bankAccountId">
+                  <SelectValue placeholder={bankAccounts.length === 0 ? "Önce hesap ekleyin" : "Yok"} />
+                </SelectTrigger>
+                <SelectContent>
+                  <SelectItem value={NONE}>Yok</SelectItem>
+                  {bankAccounts.map((b) => (
+                    <SelectItem key={b.id} value={b.id}>
+                      {b.label}
+                    </SelectItem>
+                  ))}
+                </SelectContent>
+              </Select>
+              <p className="text-muted-foreground text-xs">
+                Taksit ödemeleri seçilen hesaba expense olarak yazılır.
+              </p>
+            </div>
+
+            <div className="grid gap-4 md:grid-cols-3">
+              <div className="grid gap-2">
+                <Label htmlFor="principal">Anapara (₺) *</Label>
+                <Input
+                  id="principal"
+                  name="principal"
+                  type="number"
+                  step="0.01"
+                  min="0.01"
+                  required
+                  value={principal || ""}
+                  onChange={(e) => setPrincipal(Number(e.target.value) || 0)}
+                />
+                {state.fieldErrors?.principal && (
+                  <p className="text-destructive text-xs">{state.fieldErrors.principal}</p>
+                )}
+              </div>
+              <div className="grid gap-2">
+                <Label htmlFor="interestRate">Aylık faiz %</Label>
+                <Input
+                  id="interestRate"
+                  name="interestRate"
+                  type="number"
+                  step="0.01"
+                  min="0"
+                  max="100"
+                  required
+                  value={rate}
+                  onChange={(e) => setRate(Number(e.target.value) || 0)}
+                />
+              </div>
+              <div className="grid gap-2">
+                <Label htmlFor="termMonths">Vade (ay) *</Label>
+                <Input
+                  id="termMonths"
+                  name="termMonths"
+                  type="number"
+                  min="1"
+                  max="480"
+                  required
+                  value={term}
+                  onChange={(e) => setTerm(Number(e.target.value) || 0)}
+                />
+              </div>
+            </div>
+
+            <div className="grid gap-4 md:grid-cols-2">
+              <div className="grid gap-2">
+                <Label htmlFor="startDate">Başlangıç *</Label>
+                <Input
+                  id="startDate"
+                  name="startDate"
+                  type="date"
+                  defaultValue={today}
+                  required
+                />
+              </div>
+              <div className="grid gap-2">
+                <Label htmlFor="paymentDay">Ödeme günü (1-28)</Label>
+                <Input
+                  id="paymentDay"
+                  name="paymentDay"
+                  type="number"
+                  min="1"
+                  max="28"
+                  defaultValue={1}
+                />
+              </div>
+            </div>
+
+            <div className="bg-muted/40 rounded-md border p-3 text-sm">
+              <div className="flex items-center justify-between">
+                <span className="text-muted-foreground">Aylık taksit</span>
+                <span className="font-medium tabular-nums">{formatTRY(monthly)}</span>
+              </div>
+              <div className="flex items-center justify-between">
+                <span className="text-muted-foreground">Toplam ödeme</span>
+                <span className="font-medium tabular-nums">{formatTRY(total)}</span>
+              </div>
+              <div className="flex items-center justify-between">
+                <span className="text-muted-foreground">Toplam faiz</span>
+                <span className="tabular-nums">{formatTRY(Math.max(0, total - principal))}</span>
+              </div>
+            </div>
+
+            <div className="grid gap-2">
+              <Label htmlFor="notes">Notlar</Label>
+              <Textarea id="notes" name="notes" rows={3} placeholder="Sözleşme no, kefiller, vb." />
+            </div>
+          </div>
+
+          <SheetFooter className="border-t bg-muted/30 px-6 py-4">
+            <div className="flex w-full justify-end gap-2">
+              <Button type="button" variant="outline" onClick={() => onOpenChange(false)} disabled={isPending}>
+                Vazgeç
+              </Button>
+              <Button type="submit" disabled={isPending}>
+                {isPending ? (
+                  <>
+                    <Loader2 className="size-4 animate-spin" />
+                    Oluşturuluyor...
+                  </>
+                ) : (
+                  <>
+                    <Save className="size-4" />
+                    Krediyi kaydet
+                  </>
+                )}
+              </Button>
+            </div>
+          </SheetFooter>
+        </form>
+      </SheetContent>
+    </Sheet>
+  );
+}
diff --git a/src/app/(dashboard)/finance/loans/components/loans-client.tsx b/src/app/(dashboard)/finance/loans/components/loans-client.tsx
new file mode 100644
index 0000000..fe39c97
--- /dev/null
+++ b/src/app/(dashboard)/finance/loans/components/loans-client.tsx
@@ -0,0 +1,357 @@
+"use client";
+
+import { useState, useTransition } from "react";
+import {
+  Banknote,
+  Check,
+  ChevronDown,
+  ChevronUp,
+  Loader2,
+  Plus,
+  RotateCcw,
+  Trash2,
+} from "lucide-react";
+import { toast } from "sonner";
+
+import { Badge } from "@/components/ui/badge";
+import { Button } from "@/components/ui/button";
+import { Card, CardContent } from "@/components/ui/card";
+import {
+  Dialog,
+  DialogContent,
+  DialogDescription,
+  DialogFooter,
+  DialogHeader,
+  DialogTitle,
+} from "@/components/ui/dialog";
+import {
+  Table,
+  TableBody,
+  TableCell,
+  TableHead,
+  TableHeader,
+  TableRow,
+} from "@/components/ui/table";
+import {
+  deleteLoanAction,
+  payInstallmentAction,
+  unpayInstallmentAction,
+} from "@/lib/appwrite/loan-actions";
+import { formatDate, formatTRY } from "@/lib/format";
+import { cn } from "@/lib/utils";
+
+import { LoanFormSheet } from "./loan-form-sheet";
+import {
+  type BankAccountOption,
+  type InstallmentRow,
+  LOAN_STATUS_LABEL,
+  LOAN_TYPE_LABEL,
+  type LoanRow,
+} from "./types";
+
+type Props = {
+  loans: LoanRow[];
+  installments: InstallmentRow[];
+  bankAccounts: BankAccountOption[];
+};
+
+export function LoansClient({ loans, installments, bankAccounts }: Props) {
+  const [formOpen, setFormOpen] = useState(false);
+  const [expanded, setExpanded] = useState<string | null>(null);
+  const [deleting, setDeleting] = useState<LoanRow | null>(null);
+  const [busy, startTransition] = useTransition();
+
+  const totalPrincipal = loans
+    .filter((l) => l.status === "active")
+    .reduce((s, l) => s + l.principal, 0);
+  const totalRemaining = loans
+    .filter((l) => l.status === "active")
+    .reduce((s, l) => s + (l.totalAmount - l.paidAmount), 0);
+
+  const installmentsByLoan = new Map<string, InstallmentRow[]>();
+  for (const i of installments) {
+    const arr = installmentsByLoan.get(i.loanId) ?? [];
+    arr.push(i);
+    installmentsByLoan.set(i.loanId, arr);
+  }
+
+  const togglePay = (inst: InstallmentRow) => {
+    startTransition(async () => {
+      const fd = new FormData();
+      fd.set("id", inst.id);
+      const result = inst.paid ? await unpayInstallmentAction(fd) : await payInstallmentAction(fd);
+      if (result.ok) {
+        toast.success(inst.paid ? "Taksit ödenmedi olarak işaretlendi." : "Taksit ödendi olarak işaretlendi.");
+      } else {
+        toast.error(result.error ?? "İşlem başarısız.");
+      }
+    });
+  };
+
+  const handleDelete = () => {
+    if (!deleting) return;
+    startTransition(async () => {
+      const fd = new FormData();
+      fd.set("id", deleting.id);
+      const result = await deleteLoanAction(fd);
+      if (result.ok) {
+        toast.success("Kredi silindi.");
+        setDeleting(null);
+      } else {
+        toast.error(result.error ?? "Silme başarısız.");
+      }
+    });
+  };
+
+  return (
+    <div className="space-y-6">
+      <div className="grid gap-3 md:grid-cols-3">
+        <Card>
+          <CardContent className="p-4">
+            <p className="text-muted-foreground text-xs">Aktif kredi sayısı</p>
+            <p className="mt-1 text-2xl font-semibold">
+              {loans.filter((l) => l.status === "active").length}
+            </p>
+          </CardContent>
+        </Card>
+        <Card>
+          <CardContent className="p-4">
+            <p className="text-muted-foreground text-xs">Toplam çekilen</p>
+            <p className="mt-1 text-2xl font-semibold tabular-nums">{formatTRY(totalPrincipal)}</p>
+          </CardContent>
+        </Card>
+        <Card>
+          <CardContent className="p-4">
+            <p className="text-muted-foreground text-xs">Kalan ödeme</p>
+            <p className="mt-1 text-2xl font-semibold tabular-nums text-amber-600 dark:text-amber-400">
+              {formatTRY(totalRemaining)}
+            </p>
+          </CardContent>
+        </Card>
+      </div>
+
+      <div className="flex justify-end">
+        <Button onClick={() => setFormOpen(true)}>
+          <Plus className="size-4" />
+          Yeni kredi
+        </Button>
+      </div>
+
+      {loans.length === 0 ? (
+        <Card>
+          <CardContent className="flex flex-col items-center gap-2 py-12 text-center">
+            <Banknote className="text-muted-foreground size-8" />
+            <p className="text-sm">Henüz kredi tanımlanmamış.</p>
+            <Button variant="outline" size="sm" onClick={() => setFormOpen(true)}>
+              <Plus className="size-3.5" />
+              İlk krediyi ekle
+            </Button>
+          </CardContent>
+        </Card>
+      ) : (
+        <div className="space-y-4">
+          {loans.map((loan) => {
+            const isOpen = expanded === loan.id;
+            const items = installmentsByLoan.get(loan.id) ?? [];
+            const progressPct =
+              loan.totalAmount > 0 ? (loan.paidAmount / loan.totalAmount) * 100 : 0;
+            return (
+              <Card key={loan.id}>
+                <CardContent className="space-y-3 p-4">
+                  <div className="flex flex-wrap items-start justify-between gap-3">
+                    <div className="min-w-0 flex-1">
+                      <div className="flex flex-wrap items-center gap-2">
+                        <h3 className="font-semibold">{loan.bankName}</h3>
+                        <span className="text-muted-foreground">·</span>
+                        <span className="text-sm">{loan.loanName}</span>
+                        <Badge variant="outline" className="text-[10px]">
+                          {LOAN_TYPE_LABEL[loan.loanType]}
+                        </Badge>
+                        <Badge
+                          variant="outline"
+                          className={cn(
+                            "text-[10px]",
+                            loan.status === "active"
+                              ? "border-blue-500/30 bg-blue-500/15 text-blue-700 dark:text-blue-300"
+                              : loan.status === "closed"
+                                ? "border-emerald-500/30 bg-emerald-500/15 text-emerald-700 dark:text-emerald-300"
+                                : "border-red-500/30 bg-red-500/15 text-red-700 dark:text-red-300",
+                          )}
+                        >
+                          {LOAN_STATUS_LABEL[loan.status]}
+                        </Badge>
+                      </div>
+                      {loan.bankAccountLabel && (
+                        <p className="text-muted-foreground mt-1 text-xs">
+                          Hesap: {loan.bankAccountLabel}
+                        </p>
+                      )}
+                    </div>
+                    <div className="flex gap-2">
+                      <Button
+                        variant="ghost"
+                        size="sm"
+                        onClick={() => setExpanded(isOpen ? null : loan.id)}
+                      >
+                        {isOpen ? (
+                          <>
+                            <ChevronUp className="size-3.5" />
+                            Kapat
+                          </>
+                        ) : (
+                          <>
+                            <ChevronDown className="size-3.5" />
+                            Taksitler ({items.length})
+                          </>
+                        )}
+                      </Button>
+                      <Button
+                        variant="ghost"
+                        size="sm"
+                        className="text-destructive hover:text-destructive"
+                        onClick={() => setDeleting(loan)}
+                      >
+                        <Trash2 className="size-3.5" />
+                      </Button>
+                    </div>
+                  </div>
+
+                  <div className="grid gap-2 md:grid-cols-4">
+                    <Stat label="Anapara" value={formatTRY(loan.principal)} />
+                    <Stat label="Aylık taksit" value={formatTRY(loan.monthlyPayment)} />
+                    <Stat label="Aylık faiz" value={`%${loan.interestRate}`} />
+                    <Stat
+                      label="Sonraki ödeme"
+                      value={loan.nextDue ? formatDate(loan.nextDue) : "—"}
+                    />
+                  </div>
+
+                  <div>
+                    <div className="text-muted-foreground flex items-center justify-between text-xs">
+                      <span>
+                        {loan.remainingCount === 0
+                          ? "Tüm taksitler ödendi"
+                          : `${loan.remainingCount} taksit kaldı`}
+                      </span>
+                      <span>
+                        {formatTRY(loan.paidAmount)} / {formatTRY(loan.totalAmount)}
+                      </span>
+                    </div>
+                    <div className="bg-muted mt-1 h-1.5 overflow-hidden rounded-full">
+                      <div
+                        className="bg-emerald-500 h-full"
+                        style={{ width: `${Math.min(100, progressPct)}%` }}
+                      />
+                    </div>
+                  </div>
+
+                  {isOpen && (
+                    <div className="border-t pt-3">
+                      <Table>
+                        <TableHeader>
+                          <TableRow>
+                            <TableHead className="w-[40px]">#</TableHead>
+                            <TableHead>Vade</TableHead>
+                            <TableHead className="text-right">Anapara</TableHead>
+                            <TableHead className="text-right">Faiz</TableHead>
+                            <TableHead className="text-right">Toplam</TableHead>
+                            <TableHead className="text-right">Durum</TableHead>
+                          </TableRow>
+                        </TableHeader>
+                        <TableBody>
+                          {items.map((it) => {
+                            const overdue =
+                              !it.paid && new Date(it.dueDate) < new Date();
+                            return (
+                              <TableRow
+                                key={it.id}
+                                className={cn(it.paid && "opacity-60")}
+                              >
+                                <TableCell className="font-mono">{it.installmentNo}</TableCell>
+                                <TableCell
+                                  className={cn(
+                                    "text-muted-foreground text-sm",
+                                    overdue && "text-destructive font-medium",
+                                  )}
+                                >
+                                  {formatDate(it.dueDate)}
+                                </TableCell>
+                                <TableCell className="text-right tabular-nums">
+                                  {formatTRY(it.principalPart)}
+                                </TableCell>
+                                <TableCell className="text-right tabular-nums">
+                                  {formatTRY(it.interestPart)}
+                                </TableCell>
+                                <TableCell className="text-right font-medium tabular-nums">
+                                  {formatTRY(it.amount)}
+                                </TableCell>
+                                <TableCell className="text-right">
+                                  <Button
+                                    variant={it.paid ? "ghost" : "outline"}
+                                    size="sm"
+                                    disabled={busy}
+                                    onClick={() => togglePay(it)}
+                                  >
+                                    {busy ? (
+                                      <Loader2 className="size-3.5 animate-spin" />
+                                    ) : it.paid ? (
+                                      <>
+                                        <RotateCcw className="size-3.5" />
+                                        Geri al
+                                      </>
+                                    ) : (
+                                      <>
+                                        <Check className="size-3.5" />
+                                        Ödendi
+                                      </>
+                                    )}
+                                  </Button>
+                                </TableCell>
+                              </TableRow>
+                            );
+                          })}
+                        </TableBody>
+                      </Table>
+                    </div>
+                  )}
+                </CardContent>
+              </Card>
+            );
+          })}
+        </div>
+      )}
+
+      <LoanFormSheet open={formOpen} onOpenChange={setFormOpen} bankAccounts={bankAccounts} />
+
+      <Dialog open={Boolean(deleting)} onOpenChange={(v) => !v && setDeleting(null)}>
+        <DialogContent>
+          <DialogHeader>
+            <DialogTitle>Krediyi sil</DialogTitle>
+            <DialogDescription>
+              <strong>{deleting?.bankName} — {deleting?.loanName}</strong> ve tüm taksitleri silinecek.
+              Bu işlem geri alınamaz.
+            </DialogDescription>
+          </DialogHeader>
+          <DialogFooter>
+            <Button variant="outline" onClick={() => setDeleting(null)} disabled={busy}>
+              Vazgeç
+            </Button>
+            <Button variant="destructive" onClick={handleDelete} disabled={busy}>
+              {busy ? <Loader2 className="size-4 animate-spin" /> : <Trash2 className="size-4" />}
+              Sil
+            </Button>
+          </DialogFooter>
+        </DialogContent>
+      </Dialog>
+    </div>
+  );
+}
+
+function Stat({ label, value }: { label: string; value: string }) {
+  return (
+    <div>
+      <p className="text-muted-foreground text-[10px] uppercase tracking-wide">{label}</p>
+      <p className="mt-0.5 text-sm font-medium tabular-nums">{value}</p>
+    </div>
+  );
+}
diff --git a/src/app/(dashboard)/finance/loans/components/types.ts b/src/app/(dashboard)/finance/loans/components/types.ts
new file mode 100644
index 0000000..5785205
--- /dev/null
+++ b/src/app/(dashboard)/finance/loans/components/types.ts
@@ -0,0 +1,49 @@
+export type LoanRow = {
+  id: string;
+  bankName: string;
+  loanName: string;
+  loanType: "consumer" | "vehicle" | "housing" | "commercial" | "kmh" | "other";
+  principal: number;
+  interestRate: number;
+  termMonths: number;
+  monthlyPayment: number;
+  startDate: string;
+  paymentDay: number;
+  status: "active" | "closed" | "defaulted";
+  bankAccountId: string;
+  bankAccountLabel: string;
+  notes: string;
+  totalAmount: number;
+  paidAmount: number;
+  remainingCount: number;
+  nextDue: string | null;
+};
+
+export type InstallmentRow = {
+  id: string;
+  loanId: string;
+  installmentNo: number;
+  dueDate: string;
+  amount: number;
+  principalPart: number;
+  interestPart: number;
+  paid: boolean;
+  paidAt: string;
+};
+
+export type BankAccountOption = { id: string; label: string };
+
+export const LOAN_TYPE_LABEL: Record<LoanRow["loanType"], string> = {
+  consumer: "İhtiyaç",
+  vehicle: "Taşıt",
+  housing: "Konut",
+  commercial: "Ticari",
+  kmh: "KMH",
+  other: "Diğer",
+};
+
+export const LOAN_STATUS_LABEL: Record<LoanRow["status"], string> = {
+  active: "Aktif",
+  closed: "Kapalı",
+  defaulted: "Temerrüt",
+};
diff --git a/src/app/(dashboard)/finance/loans/page.tsx b/src/app/(dashboard)/finance/loans/page.tsx
new file mode 100644
index 0000000..47c4bca
--- /dev/null
+++ b/src/app/(dashboard)/finance/loans/page.tsx
@@ -0,0 +1,115 @@
+import type { Metadata } from "next";
+import { redirect } from "next/navigation";
+
+import { listBankAccounts } from "@/lib/appwrite/bank-account-queries";
+import { listAllInstallments, listLoans } from "@/lib/appwrite/loan-queries";
+import { requireTenant } from "@/lib/appwrite/tenant-guard";
+import { LoansClient } from "./components/loans-client";
+
+export const metadata: Metadata = {
+  title: "İşletmem — Krediler",
+};
+
+export default async function LoansPage() {
+  let ctx;
+  try {
+    ctx = await requireTenant();
+  } catch {
+    redirect("/onboarding");
+  }
+
+  const [loans, installments, bankAccounts] = await Promise.all([
+    listLoans(ctx.tenantId),
+    listAllInstallments(ctx.tenantId),
+    listBankAccounts(ctx.tenantId),
+  ]);
+
+  const bankMap = new Map(
+    bankAccounts.map((b) => [b.$id, `${b.bankName} — ${b.accountName}`]),
+  );
+
+  // Aggregate installment metrics per loan
+  const byLoan = new Map<
+    string,
+    { totalAmount: number; paidAmount: number; nextDue: string | null; remainingCount: number }
+  >();
+  for (const inst of installments) {
+    const cur = byLoan.get(inst.loanId) ?? {
+      totalAmount: 0,
+      paidAmount: 0,
+      nextDue: null,
+      remainingCount: 0,
+    };
+    cur.totalAmount += inst.amount ?? 0;
+    if (inst.paid) {
+      cur.paidAmount += inst.amount ?? 0;
+    } else {
+      cur.remainingCount += 1;
+      if (!cur.nextDue || new Date(inst.dueDate).getTime() < new Date(cur.nextDue).getTime()) {
+        cur.nextDue = inst.dueDate;
+      }
+    }
+    byLoan.set(inst.loanId, cur);
+  }
+
+  return (
+    <div className="flex-1 space-y-6 px-6 pt-0">
+      <div className="flex flex-col gap-1">
+        <p className="text-muted-foreground text-sm">{ctx.settings?.companyName ?? "Çalışma alanı"}</p>
+        <h1 className="text-2xl font-bold tracking-tight">Krediler</h1>
+        <p className="text-muted-foreground text-sm">
+          Banka kredilerinizi ve taksit planlarını takip edin. Taksit ödendiğinde otomatik gider
+          kaydı oluşur.
+        </p>
+      </div>
+
+      <LoansClient
+        loans={loans.map((l) => {
+          const m = byLoan.get(l.$id) ?? {
+            totalAmount: 0,
+            paidAmount: 0,
+            nextDue: null,
+            remainingCount: 0,
+          };
+          return {
+            id: l.$id,
+            bankName: l.bankName,
+            loanName: l.loanName,
+            loanType: l.loanType ?? "consumer",
+            principal: l.principal,
+            interestRate: l.interestRate,
+            termMonths: l.termMonths,
+            monthlyPayment: l.monthlyPayment ?? 0,
+            startDate: l.startDate,
+            paymentDay: l.paymentDay ?? 1,
+            status: l.status ?? "active",
+            bankAccountId: l.bankAccountId ?? "",
+            bankAccountLabel: l.bankAccountId ? bankMap.get(l.bankAccountId) ?? "" : "",
+            notes: l.notes ?? "",
+            totalAmount: m.totalAmount,
+            paidAmount: m.paidAmount,
+            remainingCount: m.remainingCount,
+            nextDue: m.nextDue,
+          };
+        })}
+        installments={installments.map((i) => ({
+          id: i.$id,
+          loanId: i.loanId,
+          installmentNo: i.installmentNo,
+          dueDate: i.dueDate,
+          amount: i.amount,
+          principalPart: i.principalPart ?? 0,
+          interestPart: i.interestPart ?? 0,
+          paid: Boolean(i.paid),
+          paidAt: i.paidAt ?? "",
+        }))}
+        bankAccounts={bankAccounts
+          .filter((b) => !b.archived)
+          .map((b) => ({
+            id: b.$id,
+            label: `${b.bankName} — ${b.accountName}`,
+          }))}
+      />
+    </div>
+  );
+}
diff --git a/src/lib/appwrite/loan-actions.ts b/src/lib/appwrite/loan-actions.ts
new file mode 100644
index 0000000..b070cb7
--- /dev/null
+++ b/src/lib/appwrite/loan-actions.ts
@@ -0,0 +1,429 @@
+"use server";
+
+import { revalidatePath } from "next/cache";
+import { AppwriteException, ID, Permission, Query, Role } from "node-appwrite";
+import { z } from "zod";
+
+import { logAudit } from "./audit";
+import {
+  DATABASE_ID,
+  TABLES,
+  type BankLoan,
+  type LoanInstallment,
+} from "./schema";
+import { createAdminClient } from "./server";
+import { requireTenant } from "./tenant-guard";
+import type { LoanActionState } from "./loan-types";
+import { bankLoanSchema } from "@/lib/validation/bank-loans";
+
+function appwriteError(e: unknown): string {
+  if (e instanceof AppwriteException) return e.message || "Beklenmeyen hata.";
+  return "Bağlantı hatası. Tekrar deneyin.";
+}
+
+function flattenErrors(err: z.ZodError): Record<string, string> {
+  const out: Record<string, string> = {};
+  for (const issue of err.issues) {
+    const key = issue.path.join(".");
+    if (key && !out[key]) out[key] = issue.message;
+  }
+  return out;
+}
+
+function teamRowPermissions(tenantId: string) {
+  return [
+    Permission.read(Role.team(tenantId)),
+    Permission.update(Role.team(tenantId)),
+    Permission.delete(Role.team(tenantId, "owner")),
+    Permission.delete(Role.team(tenantId, "admin")),
+  ];
+}
+
+function pickLoanFields(formData: FormData) {
+  return {
+    bankAccountId: String(formData.get("bankAccountId") ?? ""),
+    bankName: String(formData.get("bankName") ?? "").trim(),
+    loanName: String(formData.get("loanName") ?? "").trim(),
+    loanType: formData.get("loanType") as
+      | "consumer"
+      | "vehicle"
+      | "housing"
+      | "commercial"
+      | "kmh"
+      | "other"
+      | null,
+    principal: String(formData.get("principal") ?? "0"),
+    interestRate: String(formData.get("interestRate") ?? "0"),
+    termMonths: String(formData.get("termMonths") ?? "12"),
+    startDate: String(formData.get("startDate") ?? ""),
+    paymentDay: String(formData.get("paymentDay") ?? "1"),
+    notes: String(formData.get("notes") ?? "").trim(),
+  };
+}
+
+function toIso(v: string): string {
+  if (!v) return v;
+  if (/^\d{4}-\d{2}-\d{2}$/.test(v)) return `${v}T00:00:00.000+00:00`;
+  return v;
+}
+
+/**
+ * Standard amortization (eşit taksitli kredi).
+ * monthlyPayment = P × r × (1+r)^n / ((1+r)^n − 1)
+ * where r = monthly interest rate (decimal), n = termMonths
+ */
+function computeAmortization(
+  principal: number,
+  monthlyRatePct: number,
+  n: number,
+): {
+  monthlyPayment: number;
+  schedule: Array<{ principalPart: number; interestPart: number; amount: number }>;
+} {
+  const r = monthlyRatePct / 100;
+  let monthlyPayment: number;
+  if (r === 0) {
+    monthlyPayment = principal / n;
+  } else {
+    const factor = Math.pow(1 + r, n);
+    monthlyPayment = (principal * r * factor) / (factor - 1);
+  }
+  monthlyPayment = Number(monthlyPayment.toFixed(2));
+
+  const schedule: Array<{ principalPart: number; interestPart: number; amount: number }> = [];
+  let remaining = principal;
+  for (let i = 0; i < n; i++) {
+    const interestPart = Number((remaining * r).toFixed(2));
+    let principalPart = Number((monthlyPayment - interestPart).toFixed(2));
+    // Final installment absorbs rounding drift
+    if (i === n - 1) {
+      principalPart = Number(remaining.toFixed(2));
+    }
+    const amount = Number((interestPart + principalPart).toFixed(2));
+    remaining = Number((remaining - principalPart).toFixed(2));
+    schedule.push({ principalPart, interestPart, amount });
+  }
+  return { monthlyPayment, schedule };
+}
+
+function shiftMonth(date: Date, monthsAhead: number, paymentDay: number): Date {
+  const d = new Date(date.getFullYear(), date.getMonth() + monthsAhead, 1);
+  // clamp paymentDay to last day of that month
+  const lastDay = new Date(d.getFullYear(), d.getMonth() + 1, 0).getDate();
+  d.setDate(Math.min(paymentDay, lastDay));
+  return d;
+}
+
+export async function createLoanAction(
+  _prev: LoanActionState,
+  formData: FormData,
+): Promise<LoanActionState> {
+  let ctx;
+  try {
+    ctx = await requireTenant();
+  } catch {
+    return { ok: false, error: "Yetkiniz yok." };
+  }
+
+  const parsed = bankLoanSchema.safeParse(pickLoanFields(formData));
+  if (!parsed.success) {
+    return { ok: false, error: "Form geçersiz.", fieldErrors: flattenErrors(parsed.error) };
+  }
+
+  const { schedule, monthlyPayment } = computeAmortization(
+    parsed.data.principal,
+    parsed.data.interestRate,
+    parsed.data.termMonths,
+  );
+
+  let loanId: string | null = null;
+  const admin = createAdminClient();
+  try {
+    const loan = await admin.tablesDB.createRow(
+      DATABASE_ID,
+      TABLES.bankLoans,
+      ID.unique(),
+      {
+        tenantId: ctx.tenantId,
+        createdBy: ctx.user.id,
+        bankAccountId: parsed.data.bankAccountId,
+        bankName: parsed.data.bankName,
+        loanName: parsed.data.loanName,
+        loanType: parsed.data.loanType,
+        principal: parsed.data.principal,
+        interestRate: parsed.data.interestRate,
+        termMonths: parsed.data.termMonths,
+        monthlyPayment,
+        startDate: toIso(parsed.data.startDate),
+        paymentDay: parsed.data.paymentDay,
+        status: "active",
+        notes: parsed.data.notes,
+      },
+      teamRowPermissions(ctx.tenantId),
+    );
+    loanId = loan.$id;
+
+    const start = new Date(toIso(parsed.data.startDate));
+    for (let i = 0; i < parsed.data.termMonths; i++) {
+      const due = shiftMonth(start, i + 1, parsed.data.paymentDay ?? 1);
+      const slice = schedule[i];
+      await admin.tablesDB.createRow(
+        DATABASE_ID,
+        TABLES.loanInstallments,
+        ID.unique(),
+        {
+          tenantId: ctx.tenantId,
+          loanId,
+          installmentNo: i + 1,
+          dueDate: due.toISOString(),
+          amount: slice.amount,
+          principalPart: slice.principalPart,
+          interestPart: slice.interestPart,
+          paid: false,
+        },
+        teamRowPermissions(ctx.tenantId),
+      );
+    }
+
+    await logAudit({
+      tenantId: ctx.tenantId,
+      userId: ctx.user.id,
+      action: "create",
+      entityType: "bank_loan",
+      entityId: loan.$id,
+      changes: { ...parsed.data, monthlyPayment, installments: parsed.data.termMonths },
+    });
+  } catch (e) {
+    if (loanId) {
+      // Best-effort rollback: delete partially-created installments + loan
+      try {
+        const partial = await admin.tablesDB.listRows({
+          databaseId: DATABASE_ID,
+          tableId: TABLES.loanInstallments,
+          queries: [
+            Query.equal("tenantId", ctx.tenantId),
+            Query.equal("loanId", loanId),
+            Query.limit(500),
+          ],
+        });
+        for (const r of partial.rows) {
+          await admin.tablesDB.deleteRow(DATABASE_ID, TABLES.loanInstallments, r.$id);
+        }
+        await admin.tablesDB.deleteRow(DATABASE_ID, TABLES.bankLoans, loanId);
+      } catch {
+        /* ignore */
+      }
+    }
+    return { ok: false, error: appwriteError(e) };
+  }
+
+  revalidatePath("/finance/loans");
+  return { ok: true, loanId };
+}
+
+export async function deleteLoanAction(formData: FormData): Promise<LoanActionState> {
+  const id = String(formData.get("id") ?? "");
+  if (!id) return { ok: false, error: "ID eksik." };
+
+  let ctx;
+  try {
+    ctx = await requireTenant();
+  } catch {
+    return { ok: false, error: "Yetkiniz yok." };
+  }
+
+  try {
+    const { tablesDB } = createAdminClient();
+    const existing = (await tablesDB.getRow(
+      DATABASE_ID,
+      TABLES.bankLoans,
+      id,
+    )) as unknown as BankLoan;
+    if (existing.tenantId !== ctx.tenantId) {
+      return { ok: false, error: "Erişim engellendi." };
+    }
+
+    // Delete installments first
+    const installments = await tablesDB.listRows({
+      databaseId: DATABASE_ID,
+      tableId: TABLES.loanInstallments,
+      queries: [
+        Query.equal("tenantId", ctx.tenantId),
+        Query.equal("loanId", id),
+        Query.limit(500),
+      ],
+    });
+    for (const r of installments.rows) {
+      await tablesDB.deleteRow(DATABASE_ID, TABLES.loanInstallments, r.$id);
+    }
+
+    await tablesDB.deleteRow(DATABASE_ID, TABLES.bankLoans, id);
+
+    await logAudit({
+      tenantId: ctx.tenantId,
+      userId: ctx.user.id,
+      action: "delete",
+      entityType: "bank_loan",
+      entityId: id,
+      changes: { loanName: existing.loanName, installments: installments.rows.length },
+    });
+  } catch (e) {
+    return { ok: false, error: appwriteError(e) };
+  }
+
+  revalidatePath("/finance/loans");
+  return { ok: true };
+}
+
+export async function payInstallmentAction(formData: FormData): Promise<LoanActionState> {
+  const id = String(formData.get("id") ?? "");
+  if (!id) return { ok: false, error: "ID eksik." };
+
+  let ctx;
+  try {
+    ctx = await requireTenant();
+  } catch {
+    return { ok: false, error: "Yetkiniz yok." };
+  }
+
+  try {
+    const { tablesDB } = createAdminClient();
+    const existing = (await tablesDB.getRow(
+      DATABASE_ID,
+      TABLES.loanInstallments,
+      id,
+    )) as unknown as LoanInstallment;
+    if (existing.tenantId !== ctx.tenantId) {
+      return { ok: false, error: "Erişim engellendi." };
+    }
+    if (existing.paid) {
+      return { ok: false, error: "Bu taksit zaten ödenmiş." };
+    }
+
+    const loan = (await tablesDB.getRow(
+      DATABASE_ID,
+      TABLES.bankLoans,
+      existing.loanId,
+    )) as unknown as BankLoan;
+
+    // Create finance entry: expense, linked
+    const fe = await tablesDB.createRow(
+      DATABASE_ID,
+      TABLES.financeEntries,
+      ID.unique(),
+      {
+        tenantId: ctx.tenantId,
+        createdBy: ctx.user.id,
+        type: "expense",
+        amount: existing.amount,
+        date: new Date().toISOString(),
+        description: `${loan.bankName} — ${loan.loanName} #${existing.installmentNo} taksit ödemesi`,
+        bankAccountId: loan.bankAccountId,
+      },
+      teamRowPermissions(ctx.tenantId),
+    );
+
+    await tablesDB.updateRow(DATABASE_ID, TABLES.loanInstallments, id, {
+      paid: true,
+      paidAt: new Date().toISOString(),
+      financeEntryId: fe.$id,
+    });
+
+    // If this was the last unpaid one, mark loan closed
+    const remaining = await tablesDB.listRows({
+      databaseId: DATABASE_ID,
+      tableId: TABLES.loanInstallments,
+      queries: [
+        Query.equal("tenantId", ctx.tenantId),
+        Query.equal("loanId", existing.loanId),
+        Query.equal("paid", false),
+        Query.limit(1),
+      ],
+    });
+    if (remaining.rows.length === 0) {
+      await tablesDB.updateRow(DATABASE_ID, TABLES.bankLoans, existing.loanId, {
+        status: "closed",
+      });
+    }
+
+    await logAudit({
+      tenantId: ctx.tenantId,
+      userId: ctx.user.id,
+      action: "update",
+      entityType: "loan_installment",
+      entityId: id,
+      changes: { paid: true, financeEntryId: fe.$id, amount: existing.amount },
+    });
+  } catch (e) {
+    return { ok: false, error: appwriteError(e) };
+  }
+
+  revalidatePath("/finance/loans");
+  revalidatePath("/finance");
+  return { ok: true };
+}
+
+export async function unpayInstallmentAction(
+  formData: FormData,
+): Promise<LoanActionState> {
+  const id = String(formData.get("id") ?? "");
+  if (!id) return { ok: false, error: "ID eksik." };
+
+  let ctx;
+  try {
+    ctx = await requireTenant();
+  } catch {
+    return { ok: false, error: "Yetkiniz yok." };
+  }
+
+  try {
+    const { tablesDB } = createAdminClient();
+    const existing = (await tablesDB.getRow(
+      DATABASE_ID,
+      TABLES.loanInstallments,
+      id,
+    )) as unknown as LoanInstallment;
+    if (existing.tenantId !== ctx.tenantId) {
+      return { ok: false, error: "Erişim engellendi." };
+    }
+    if (!existing.paid) return { ok: true };
+
+    if (existing.financeEntryId) {
+      try {
+        await tablesDB.deleteRow(
+          DATABASE_ID,
+          TABLES.financeEntries,
+          existing.financeEntryId,
+        );
+      } catch {
+        /* ignore: maybe already gone */
+      }
+    }
+
+    await tablesDB.updateRow(DATABASE_ID, TABLES.loanInstallments, id, {
+      paid: false,
+      paidAt: null,
+      financeEntryId: null,
+    });
+
+    // If loan was closed, reopen it
+    await tablesDB.updateRow(DATABASE_ID, TABLES.bankLoans, existing.loanId, {
+      status: "active",
+    });
+
+    await logAudit({
+      tenantId: ctx.tenantId,
+      userId: ctx.user.id,
+      action: "update",
+      entityType: "loan_installment",
+      entityId: id,
+      changes: { paid: false },
+    });
+  } catch (e) {
+    return { ok: false, error: appwriteError(e) };
+  }
+
+  revalidatePath("/finance/loans");
+  revalidatePath("/finance");
+  return { ok: true };
+}
diff --git a/src/lib/appwrite/loan-queries.ts b/src/lib/appwrite/loan-queries.ts
new file mode 100644
index 0000000..dff8ad6
--- /dev/null
+++ b/src/lib/appwrite/loan-queries.ts
@@ -0,0 +1,65 @@
+import "server-only";
+
+import { Query } from "node-appwrite";
+
+import { createAdminClient } from "./server";
+import {
+  DATABASE_ID,
+  TABLES,
+  type BankLoan,
+  type LoanInstallment,
+} from "./schema";
+
+export async function listLoans(tenantId: string): Promise<BankLoan[]> {
+  try {
+    const { tablesDB } = createAdminClient();
+    const result = await tablesDB.listRows({
+      databaseId: DATABASE_ID,
+      tableId: TABLES.bankLoans,
+      queries: [
+        Query.equal("tenantId", tenantId),
+        Query.orderDesc("$createdAt"),
+        Query.limit(200),
+      ],
+    });
+    return result.rows as unknown as BankLoan[];
+  } catch {
+    return [];
+  }
+}
+
+export async function listInstallmentsForLoan(
+  tenantId: string,
+  loanId: string,
+): Promise<LoanInstallment[]> {
+  try {
+    const { tablesDB } = createAdminClient();
+    const result = await tablesDB.listRows({
+      databaseId: DATABASE_ID,
+      tableId: TABLES.loanInstallments,
+      queries: [
+        Query.equal("tenantId", tenantId),
+        Query.equal("loanId", loanId),
+        Query.orderAsc("installmentNo"),
+        Query.limit(500),
+      ],
+    });
+    return result.rows as unknown as LoanInstallment[];
+  } catch {
+    return [];
+  }
+}
+
+export async function listAllInstallments(tenantId: string): Promise<LoanInstallment[]> {
+  try {
+    const { tablesDB } = createAdminClient();
+    const result = await tablesDB.listRows({
+      databaseId: DATABASE_ID,
+      tableId: TABLES.loanInstallments,
+      queries: [Query.equal("tenantId", tenantId), Query.limit(2000)],
+    });
+    return result.rows as unknown as LoanInstallment[];
+  } catch {
+    return [];
+  }
+}
diff --git a/src/lib/appwrite/loan-types.ts b/src/lib/appwrite/loan-types.ts
new file mode 100644
index 0000000..9786e77
--- /dev/null
+++ b/src/lib/appwrite/loan-types.ts
@@ -0,0 +1,8 @@
+export type LoanActionState = {
+  ok: boolean;
+  error?: string;
+  fieldErrors?: Record<string, string>;
+  loanId?: string;
+};
+
+export const initialLoanState: LoanActionState = { ok: false };
diff --git a/src/lib/appwrite/schema.ts b/src/lib/appwrite/schema.ts
index 8ded741..2c9b578 100644
--- a/src/lib/appwrite/schema.ts
+++ b/src/lib/appwrite/schema.ts
@@ -14,6 +14,8 @@ export const TABLES = {
   auditLogs: "audit_logs",
   inviteLinks: "invite_links",
   bankAccounts: "bank_accounts",
+  bankLoans: "bank_loans",
+  loanInstallments: "loan_installments",
 } as const;
 
 export type TableId = (typeof TABLES)[keyof typeof TABLES];
@@ -188,6 +190,39 @@ export interface BankAccount extends Row {
   archived?: boolean;
 }
 
+export type LoanType = "consumer" | "vehicle" | "housing" | "commercial" | "kmh" | "other";
+export type LoanStatus = "active" | "closed" | "defaulted";
+
+export interface BankLoan extends Row {
+  tenantId: string;
+  createdBy: string;
+  bankAccountId?: string;
+  bankName: string;
+  loanName: string;
+  loanType?: LoanType;
+  principal: number;
+  interestRate: number; // monthly nominal %
+  termMonths: number;
+  monthlyPayment?: number;
+  startDate: string;
+  paymentDay?: number;
+  status?: LoanStatus;
+  notes?: string;
+}
+
+export interface LoanInstallment extends Row {
+  tenantId: string;
+  loanId: string;
+  installmentNo: number;
+  dueDate: string;
+  amount: number;
+  principalPart?: number;
+  interestPart?: number;
+  paid?: boolean;
+  paidAt?: string;
+  financeEntryId?: string;
+}
+
 export type InviteRole = "admin" | "member";
 export type InviteStatus = "pending" | "accepted" | "cancelled" | "expired";
 
diff --git a/src/lib/validation/bank-loans.ts b/src/lib/validation/bank-loans.ts
new file mode 100644
index 0000000..c953036
--- /dev/null
+++ b/src/lib/validation/bank-loans.ts
@@ -0,0 +1,35 @@
+import { z } from "zod";
+
+export const bankLoanSchema = z.object({
+  bankAccountId: z.string().optional().transform((v) => (v ? v : undefined)),
+  bankName: z.string().trim().min(1, "Banka adı zorunlu.").max(100),
+  loanName: z.string().trim().min(1, "Kredi adı zorunlu.").max(150),
+  loanType: z
+    .enum(["consumer", "vehicle", "housing", "commercial", "kmh", "other"])
+    .optional()
+    .default("consumer"),
+  principal: z
+    .union([z.number(), z.string()])
+    .transform((v) => (typeof v === "string" ? Number(v.replace(",", ".")) : v))
+    .pipe(z.number().positive("Anapara 0'dan büyük olmalı.")),
+  interestRate: z
+    .union([z.number(), z.string()])
+    .transform((v) => (typeof v === "string" ? Number(v.replace(",", ".")) : v))
+    .pipe(z.number().min(0, "Negatif olamaz.").max(100, "100'den büyük olamaz.")),
+  termMonths: z
+    .union([z.number(), z.string()])
+    .transform((v) => (typeof v === "string" ? parseInt(v, 10) : v))
+    .pipe(z.number().int().positive("Vade pozitif olmalı.").max(480, "Çok uzun.")),
+  startDate: z.string().min(1, "Başlangıç tarihi zorunlu."),
+  paymentDay: z
+    .union([z.number(), z.string()])
+    .optional()
+    .transform((v) => {
+      if (v === undefined || v === "") return 1;
+      const n = typeof v === "string" ? parseInt(v, 10) : v;
+      return Number.isFinite(n) ? Math.min(28, Math.max(1, n)) : 1;
+    }),
+  notes: z.string().trim().max(1000).optional().transform((v) => (v ? v : undefined)),
+});
+
+export type BankLoanInput = z.infer<typeof bankLoanSchema>;