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myAlpha Quick Loan personal loan
Quick loan from your mobile or computer
Discover the features
What’s the interest rate
13% fixed
The myAlpha Quick Loan personal loan has an annual nominal interest rate of 13.00%, 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 €3,000 loan with 15.00% fixed nominal interest rate, 0.60% Law 128/1975 levy, 36-month term and €70 application fees, the Annual Percentage Rate of Charge (APRC) is 16.35%.
The preferential 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 first beneficiary) in a way that this electronic deposit is automatically recognized by the Bank as salary or pension payment.
What are the loan amount, term and fee
Up to €3,000 for 6-60 months
You can borrow from €500 to €3,000 for 6-60 months. You get the money in your account right away.
From €5,000 through car.gr for 6-60 months
If you apply through car.gr, you can borrow from €500 to €5,000 for 6-60 months.
€70 loan fee
The fee for processing the application comes to €70 and:
- We collect it as a lump sum from the deposit account you choose when you apply, as soon as the loan amount is deposited.
- It is distributed and paid with each instalment if you submit your application through a listing website, like car.gr.
How you repay it
Instalment paid every month
You start repaying your myAlpha Quick loan 1 month after the loan amount is deposited in the account you choose when you apply. Each month we automatically collect the loan instalment from the same account by standing order, until the loan is repaid.
Early loan repayment
You may repay your loan at any time, without any additional charges.
Contact the branch of your choice.
Calculate your monthly instalment
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monthsAPRC Example:
If you get your salary in an Alpha Bank account: For a €3,000 loan with 11.00% fixed nominal interest rate, 0.60% Law 128/1975 levy, 36-month term and €70 loan fee, the Annual Percentage Rate of Charge (APRC) is 14.07%.
The information you enter in the calculator fields is not saved anywhere.
Can I get a personal loan online?
Apply provided you...
- Are up to 75 years old at loan maturity.
- Live permanently in Greece.
- Hold a Greek ID card.
- Have updated your details at Alpha Bank.
- Hold a simple bank account with Alpha Bank.
- Have e-Banking credentials.
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.
Apply for a personal loan
1. Set up your loan
Log into myAlpha Mobile or myAlpha Web with your credentials. On the “New Products” section, choose Personal loan > Get loan.
Enter the loan amount and term. Then:
- On myAlpha Web find out the sample monthly instalment.
- On myAlpha Mobile tap on “Calculate your instalment” to find out the sample monthly instalment.
Apply in 4 steps
- Choose the account where you want the loan amount to be deposited.
- Accept the pre-contractual information and the Alpha Bank personal data notices.
- Answer 3 short questions.
- Submit the application.
3. Wait for your application assessment
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 e-Banking.
You have 3 days to sign the agreement. Once 3 days have elapsed, the application is cancelled and you need to start over.
5. Get the money in your account
We deposit the money in the account you have chosen instantly.
We automatically collect the €70 application fee as soon as the amount is deposited.
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.
How we reduce the ecological footprint
Introducing new digital products
The myAlpha Quick Loan personal loan belongs to the new generation of digital products. All processes are fully streamlined and concluded online, without you having to visit a branch.
Through our digital products we eliminate the use of paper. At the same time, we save ink, water and energy.
Respecting the environment
Our goal is to improve our customers’ experience so they can reap all the benefits of the digital era. This way we protect the environment and reduce our ecological footprint.
Find out more about the green solutions and our digital channels.
Any questions?
Find the answers you need for the myAlpha Quick Loan.
What is the annual percentage rate of charge (APRC)?
It is the actual total cost of your loan or any other credit you have obtained. It includes the interest, levies and other loan expenses you will pay expressed as an annual percentage of the total loan.
The APRC makes it easier for you to compare different offers.
Can I apply at a branch?
No. You can only apply for myAlpha Quick Loan online through:
- The myAlpha Mobile app or myAlpha Web.
- Listing websites, like car.gr.
I do not bank with Alpha Bank. Can I get a myAlpha Quick Loan?
You must first open an account with Alpha Bank.
You can open your first account with Alpha Bank through your mobile.