In this study, the concept of credit, which has an important place in banking, is explained and classified. In line with the needs of the people who demand loans, which loans they can access, under which conditions and the importance of loans for the people in need are emphasized.

In the classification of credits; suitability for the purpose of use, credits according to their maturities, credit types are determined. The risks that the bank should pay attention to in the utilization of loans are taken into consideration and the loan utilization process is analyzed. Securing the loans with collaterals is also aimed to increase the borrower's appetite for loan repayment by guaranteeing them after the loan disbursement.

As important as loans are for those who need them, they are also important for the banks that extend them. The bank is important for individuals or organizations in need of loans both to meet their needs and to provide investment and business continuity for businesses.

At the same time, loans provide a source of income for banks with the return of interest and commissions, and are an important element for the correct utilization of income and market vitality in the long term. In this context, loans provided by banks are of great importance in terms of meeting the needs of individuals or organizations in need of loans and ensuring the mobility of the market.