The annual nominal interest rate for the student loan is 10.50%. It is fixed for the entire loan term.
The Law 128/1975 levy, currently 0.60%, is added to the interest rate.
Have a look at the deposit and loan interest rates.
APRC Example:
For a €5,000 loan with 10.50% fixed nominal interest rate, 0.60% Law 128/1975 levy, 60-month term and €180 loan fee, the Annual Percentage Rate of Charge (APRC) is 13.45%.
Depending on your needs and the way you obtain the loan, you borrow:
Repay the student loan in 6-96 years, depending on your finances.
€180 for us to process your application.
We deduct the amount at disbursement, meaning, when we deposit the loan amount into your account.
Each month, you pay interest-bearing instalments, repaying both interest and capital:
You may repay your loan at any time, without any additional charges.
Find out how you can repay your loan earlier, in full or in part.
Through the student loan you secure financing to fund your own or your children’s studies. The loan amount helps cover expenses, such as:
See which supporting documents you’ll need.
Log into your mobile app or web banking with your credentials. In the “New products” section, choose: Personal loans > Get a loan.
Enter the loan amount, term and the needs you want to meet with the loan. Then:
Tap on Learn more > Get the loan > Continue.
We assess your application and inform you of the result by email.
We may approve or reject your application, come up with a new proposal or request a guarantor.
Provided your application has been approved, you digitally sign the agreement with a 6-digit code you receive on your mobile. Right after, we send you your loan agreement to your email. The agreement is also available on your digital banking.
You see the deadline for signing it. After this time, the application is cancelled and you need to start over.
We immediately deposit the amount of the personal loan in the account you have chosen.
We automatically collect the loan fee as soon as the amount is deposited.
From your computer or mobile
If you hold an active Alpha Bank debit or credit card, you can get credentials on the spot, without visiting a branch.
Online, without visiting a branch
Open your first account with Alpha Bank and get digital banking credentials online.
By appointment
Book your appointment at a branch on the day and time you prefer and bring along the supporting documents.
Daily 09:00-17:00
On +302130095567, to apply for a personal loan over the phone.
Find the answers you need about the student loan.
You must visit the branch of your choice along with them.
Find out:
Apply at a branch if you want to take out a personal loan up to €30,000.
If you want a loan up to €30,000, you can apply from your computer or mobile for:
