Never heard of Penis Enlargement in Turkey.
It's mostly know as a location for cheap (and often good) hair transplants, dental threatments, rhinoplasty and other cosmetic surgeries like liposuction, brazilian butt lift, etc.
I've heard Europeans going there for those procedures mostly, but never for Phalloplasty.
Try to put away the amount of the loan payment every month until you are ready to do it. Hopefully by then you'll have a good portion of the funds available and won't need to take out such a large loan. It will also prove to yourself that you are capable of making that payment for the long term.