OYAK provides its permanent members with alternative loan programs. Permanent members can borrow directly from OYAK with easy repayment terms and conditions. As an alternative to the loan program administered by OYAK from its own assets, they can also get consumer credits and loans with easy terms and conditions from the banks, with which OYAK has special agreements.

In addition to the specified loan programs, "Extraordinary Loans" are extended to members who exposed to the natural disasters or are in need of a medical treatment abroad for themselves or for their spouse or children.