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Digital banking

Metron Ariston personal loan

Choose Metron Ariston without collateral from your mobile or computer, to receive the amount faster. Alternatively, visit a branch to get a personal loan with or without collateral.
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Secure lower interest rate and fees until 30.09

  • 9.90% interest rate

    The new season, turn your plans into reality. Take out a loan up to €30,000 online or by appointment at a branch and secure 9.90% fixed interest rate instead of 13%, throughout the loan term.

  • Discount on fees

    Benefit from a discount on the loan processing fees, paying €90 instead of €180.

1 loan, 3 options

Collateral-free
Apply through digital banking to get up to €30,000 without collateral in a flash.
With pledged deposits or investments
Secure lower interest rate and flexibility, without mortgage lien on property.
With mortgage lien
Secure lower interest rate and flexibility, without pledging your deposits or investment portfolio.

Discover the features

Find out the features of the Metron Ariston personal loan.

What’s the interest rate

Fixed for collateral-free loans

The Metron Ariston personal loan without collateral has an annual nominal interest rate of:

  • 13.00%, fixed for the entire loan term.
  • 9.90%, fixed for the entire loan term, if you have received final approval of your mortgage loan at Alpha Bank.
  • 11.00%, fixed for the entire loan term, if you receive your salary at Alpha Bank.

The favourable interest rate applies provided that, at the time of submitting the loan application, it is confirmed that your employer makes automatic electronic deposits into your account at Alpha Bank (where you are the sole or primary account holder) in a way that this electronic deposit is automatically recognised by the Bank as salary or pension payment.

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 examples

Collateral-free loans: For a €15,000 loan with 13.00% fixed nominal interest rate, 0.60% Law 128/1975 levy, 72-month term and €180 loan fee, the Annual Percentage Rate of Charge (APRC) is 14.98%.

Collateral-free loans with payroll at Alpha Bank: For a €15,000 loan with 11.00% fixed nominal interest rate, 0.60% Law 128/1975 levy, 72-month term and €90 loan fee, the Annual Percentage Rate of Charge (APRC) is 12.47%.

Collateral-free loans with mortgage loan approval: For a €15,000 loan with 9.90% fixed nominal interest rate, 0.60% Law 128/1975 levy, 72-month term and €0 loan fee, the Annual Percentage Rate of Charge (APRC) is 11.01%.

Fixed or floating interest rate for loans with pledged deposits or investment portfolio

The Metron Ariston personal loan with pledged deposits or investment portfolio has an annual nominal interest rate of:

  • 2.50%, fixed for the entire loan term
  • Floating rate based on the Euribor 3M + 2.50% spread

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 examples

Loans with pledged deposits or investment portfolio and fixed interest rate: For a €30,000 loan with 2.50% fixed nominal interest rate, 0.60% Law 128/1975 levy, 84-month term and €250 loan fees, the Annual Percentage Rate of Charge (APRC) is 3.39%.

Loans with pledged deposits or investment portfolio and floating interest rate: For a €30,000 loan with floating nominal interest rate, Euribor 3M + 2.50% spread, 0.60% Law 128/1975 levy, 84-month term and €250 loan fee, the Annual Percentage Rate of Charge (APRC) is 5.85%.

Floating interest rate for loans with mortgage lien

The Metron Ariston personal loan with mortgage lien has an annual nominal interest rate of:

  • Floating rate based on the Euribor 3M + 4.50% spread.

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 €30,000 loan with floating nominal interest rate Euribor 3M + 4.50% spread, 0.60% Law 128/1975 levy, 84-month term and €250 loan fee, the Annual Percentage Rate of Charge (APRC) is 7.98%.

What are the loan amount and term

From €1,500 

The amount you borrow depends on the collateral and the way you obtain it:

Through digital banking:

  • €3,001-€30,000 without collateral

By appointment at a branch:

  • €1,500-€30,000 without collateral
  • From €5,000 with pledged deposits or investment portfolio
  • From €15,000 with mortgage lien 

From 6 to 240 months

The term depends on the collateral:

  • 6-96 months without collateral
  • 6-240 months with pledged deposits or investment portfolio
  • 12-240 months with mortgage lien

What’s the loan fee

The loan fee depends on the type of personal loan you’re getting:

  • €180 for collateral-free loans
  • €90 for collateral-free loans, with payroll at Alpha Bank
  • €0 for collateral-free loans with final approval of your mortgage loan at Alpha Bank
  • €250 for loans with pledged deposits or investment portfolio
  • €250 for loans with mortgage lien

We collect the fee as a lump sum from the deposit account you choose when you apply, as soon as the loan amount is deposited.

Find out about other fees for loans with mortgage lien on property or pledged deposits or investment portfolio.

 
Tip: Have a look at the Home Insurance plan we offer in cooperation with Generali to insure the property to be mortgaged.

How you repay it

With interest-bearing monthly instalments

Each month, you pay interest-bearing instalments, repaying both interest and principal:

 

Early loan repayment

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.

 
Tip: If your income changes, you can request to adjust your loan term or instalments through the Tailored Repayment plan.

 

Can I get a personal loan?

Have a look at the conditions for taking out a Metron Ariston personal loan.

Apply provided you...

  • Are up to 75 years old at loan maturity.
  • Live permanently and are taxed in Greece.
  • Have updated your details at Alpha Bank.
  • Hold a simple bank account with Alpha Bank.
  • Have digital banking credentials (if you apply online) or have booked an appointment at an Alpha Bank branch.

Have at hand...

  • Your Taxisnet credentials, if you haven’t updated your details and want to do so through eGov-KYC.
  • The supporting documents you’ll need, if you haven’t updated your details and choose to do so by uploading the documents.
  • Income tax clearance certificate (last year).
  • Copy of monthly payslip or pension slip (recent).

See which supporting documents you’ll need.

Apply for a personal loan

Get a loan in a flash from your mobile app or web banking.
Apply now

1. Set up your loan

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:

  • On your web banking find out the sample monthly instalment.
  • On your mobile app tap on “Calculate your instalment” to find out the sample monthly instalment.

Choose Learn more > Get the loan > Continue.

2. Apply in 5 steps

  1. Choose the account where we’ll deposit the loan amount and from which you’ll be paying the instalment.

  2. Accept the pre-contractual information for the loan and the Alpha Bank personal data notices.

  3. Answer 4 or 5 short questions.

  4. Upload the necessary supporting documents.

  5. Check the loan details and submit the application.

3. Wait for your application assessment

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.

4. Sign the agreement digitally

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.

5. Get the money in your account

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.

Apply for Metron Ariston at a branch

Book an appointment from your mobile or your computer with digital banking credentials, or through alpha.gr.
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No personal digital banking?

Get credentials

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.

Sign up to digital banking Sign up to digital banking

Start banking with us

Online, without visiting a branch

Open your first account with Alpha Bank and get digital banking credentials online.

Open an account Open an account

Visit a branch

By appointment

Book your appointment at a branch on the day and time you prefer and bring along the supporting documents.

Book an appointment Book an appointment

Call us

Daily 09:00-17:00

On +302130095567, to apply for a personal loan over the phone.

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Any questions?

Find the answers you need about the Metron Ariston personal loan.

What are the fees for the Metron Ariston personal loan?

For Metron Ariston with mortgage lien or pledged deposits or investment portfolio, you pay third-party fees, such as:

  • €420 for the associate who will carry out the property engineering inspection and due diligence.
  • €519.60 for the lawyer who will represent Alpha Bank during the registration of the mortgage lien.
  • 0.775% or 0.875% (+VAT) on the mortgage lien amount, to register the mortgage lien at the Land Registry or the National Cadastre.
  • €49.60 per proof of service to the bailiff for serving the cash collateral agreements where necessary.

Do I need to insure the property I am offering as collateral?

Yes. Insure your property against fire, earthquake and flood at an insurance company we work with or any other insurance company you choose. In the latter case, you need to bring an insurance policy in force to the branch.

Have a look at the Home Insurance plan we offer in cooperation with Generali.

View all the FAQs

Take out the Metron Ariston

Get the Metron Ariston without collateral through your mobile app or web banking, or the Metron Ariston with collateral by appointment at one of our branches. 
Apply now Book an appointment