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Alpha Tailored Repayment plan

Are you having trouble repaying your personal loan? If it’s up to date, tailor the loan instalment or term. Visit the branch of your choice to apply.
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For stress-free repayment of your loan

-50% on your instalment
Cut your loan instalment in half for up to 6 months.
€0 for up to 2 instalments
Skip up to 2 loan payments a year, in the months you choose.
New loan term
Adjust the term of your loan to reduce all subsequent instalments.

How to secure flexibility on your loan

Find out how you can tailor your loan term and monthly instalments for easier repayment.

Shape the term

Extend the term of your loan to reduce the subsequent monthly instalments.

You may change your loan term:

  • 12 months after disbursement, i.e. the moment you receive the amount in your account.
  • 2 times in total.

Reduce the monthly instalments

You have the option of paying:

  • Half the instalment each month, for up to 6 months.
  • €0 for 1 or 2 instalments a year, for 2 consecutive months or any months you choose within the year.

For example, you can choose not to pay an instalment in January and February, or in 2 non-consecutive months.

The monthly instalment of your personal loan may start at:

  • €50 for collateral-free loans
  • €100 for loans with collateral
 
Tip: Don’t leave your application to skip a payment until the last moment. Apply on time to secure €0 instalments for the months you want. 
 

Can I tailor my loan?

Have a look at the conditions for securing the Alpha Tailored Repayment plan.

Apply provided...

  • Your loan remains up to date.
  • 12 months have passed since your loan disbursement, if you want to extend its term.
  • You have at hand the necessary supporting documents, if you haven’t updated your details.

Explore other options

Find other products that may interest you.

Alpha All-in-1

Debt consolidation

Alpha Epipleon

Overdraft programme

Alpha Individuals Insurance

Personal loan insurance

Any questions?

Find the answers you need about the Alpha Tailored Repayment plan.

Why should I choose a longer loan term and have to pay additional interest?

A longer loan term means that your monthly instalment will be lower. This way, you will be repaying your loan more easily. What’s more, don’t forget that a loan in arrears is charged with default interest, which, in the end, may cost you more compared to the interest linked to the longer term.

If your financial situation improves in the future, you can shorten the loan term again.

How can I find out if my loan has been securitised or assigned to a different company?

If your loan is securitised or assigned to a different company, you’ll receive a letter.

View all the FAQs

Get the Alpha Tailored Repayment plan

Book an appointment at a branch near you, to apply for the Alpha Tailored Repayment plan.
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