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Alpha Metron Ariston personal loan
1 loan, 3 options
Discover the features
What’s the interest rate
Fixed for collateral-free loans
The Alpha Metron Ariston personal loan without collateral has an annual nominal interest rate of:
- 13.00%, fixed for the entire loan term.
- 11.00%, fixed for the entire loan term, if you receive your salary at Alpha Bank.
- 9.90%, fixed for the entire loan term, if you have received final approval of your mortgage loan at Alpha Bank.
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 cash collateral
The Alpha Metron Ariston personal loan with cash collateral 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 cash collateral 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 fee, the Annual Percentage Rate of Charge (APRC) is 3.39%.
Loans with cash collateral 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 Alpha 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 to €100,000
The amount you borrow depends on the collateral and the way you obtain it:
Through e-Banking:
- €3,001-€15,000 without collateral
By appointment at a branch:
- €1,500-€30,000 without collateral
- €5,000-€100,000 with cash collateral
- €15,000-€100,000 with mortgage lien
From 6 to 240 months
The term depends on the collateral:
- 6-96 months without collateral
- 6-240 months with cash collateral
- 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 cash collateral
- €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 with cash collaterall.
How you repay it
With interest-bearing monthly instalments
Each month, you pay interest-bearing instalments, repaying both interest and capital:
- Automatically with a standing order from your account.
- Online through myAlpha Web or myAlpha Mobile.
- Over the phone with myAlpha Phone.
- At Automated Payment Systems (APS) only in cash and using any active Alpha Bank card for the required authentication.
- At ATMs with an Alpha Bank card.
- At one of our branches.
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.
Can I get an Alpha 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 e-Banking credentials, if you apply online.
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 Alpha Metron Ariston without collateral
1. Set up your loan
Log into myAlpha Mobile or myAlpha Web with your credentials. In the “New products” section, choose: Personal loans > Get a loan.
Enter the amount, term and the needs you want to meet with the loan. Then have a look at the features of the loan we propose.
See the monthly instalment representative example.
2. Apply in 5 steps
- Choose the account where we’ll deposit the loan amount and from which you’ll be paying the instalment.
- Accept the pre-contractual information for the loan and the Alpha Bank personal data notices.
- Answer 4 or 5 short questions.
- Upload the necessary supporting documents.
- 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.
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 e-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 Alpha Metron Ariston at a branch
No e-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.
Start banking with us
Online, without visiting a branch
Open your first account with Alpha Bank and get e-Banking credentials online.
Visit a branch
By appointment
Book your appointment at a branch on the day and time you prefer and bring along the supporting documents.
Call us
Daily 09:00-17:00
On +302130095567, to apply for a personal loan over the phone.
Explore other options
Any questions?
Find the answers you need about the Alpha Metron Ariston personal loan.
I need a guarantor for my loan. What should I do?
You must visit the branch of your choice along with them.
Find out:
What are the fees for the Alpha Metron Ariston personal loan?
For Alpha Metron Ariston with mortgage lien or cash collateral, 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.
- €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 Alpha Home Insurance plan we offer in cooperation with Generali.