Alpha All-in-1 debt consolidation programme

Fixed or floating interest rate

The annual nominal interest rate for the Alpha All-in-1 debt consolidation programme is:

• 13.00% fixed for collateral-free loans.
• Floating rate based on the Euribor 3M + 5.50% spread for loans with collateral.

The Law 128/1975 levy, currently 0.60%, is added to the interest rate.

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%.

Loans with collateral: For a €30,000 loan with floating nominal interest rate Euribor 3M + 5.50% spread, 0.60% Law 128/1975 levy, 120-month term and €250 loan fee, the Annual Percentage Rate of Charge (APRC) is 10.08%.

Have a look at the deposit and loan interest rates.

From €1,500 to €150,000

To apply for the Alpha All-in-1 debt consolidation programme, your card and loan debts at Alpha Bank must range between €1,500 and €150,000.

Up to 240 months based on collateral

Choose the term of the Alpha All-in-1 programme depending on the loan collateral:

• 6-96 months for collateral-free loans
• 12-240 months for loans with collateral

For us to process and assess your application for the Alpha All-in-1 debt consolidation programme, you pay:

• €180 for collateral-free loans
• €250 for loans with collateral

With equal 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.