Personal loans

Additional cash flow and daily needs

• For your day-to-day expenses and needs: Quick Loan. Take out a personal loan for up to €3,000 online, with no supporting documents Apply from your computer or mobile in only a few minutes. Find out if Quick Loan is right for you.
• For additional cash flow: Epipleon overdraft programme. Get extra money into your payroll account, whenever you need them. Find out if the Epipleon Overdraft Programme is right for you.

Increased consumer needs

• For your every need and higher liquidity: Metron Ariston personal loan for up to €30,000 without collateral or up to €100,000 with collateral. Get a lower interest rate and a longer term with a mortgage lien on property or a pledge of cash. Find out if Metron Ariston personal loan is right for you.
  
• For your educational needs: Student loan. Take out a loan with a favourable interest rate for tuition fees, educational materials and electronic equipment, as well as living costs for studying away from home. Find out if the Student loan is right for you.

A turn towards green solutions

• For the energy upgrade of your home: Green solutions – Green loan for the home. Take out a loan for up to €30,000 to buy and install domestic photovoltaic systems, heat pumps or natural gas boilers; to change your door and window frames; to insulate against heat loss, etc. Find out if Green solutions – Green loan for the home is right for you.
• For an electric or hybrid car: Green solutions – Loan for electric car. Finance 100% of the cost of your new green vehicle, without retention of ownership, for cost-effective, eco-friendly transportation. Find out if Green solutions – Loan for electric car is right for you.

Better debt management

• To consolidate your debts: All-in-1 debt consolidation programme. Consolidate your performing debts from Alpha Bank loans and cards in 1 loan, to only pay 1 single, lower instalment. Find out if the All-in-1 consolidation programme is right for you.

If you want a personal or a green loan up to €30,000, you can apply online, from your computer or mobile, for:

• Metron Ariston personal loan without collateral
• Student loan
• Quick Loan personal loan
• Green solutions – Green loan for the home
• Green solutions – Loan for electric car
  

If you don’t have digital banking credentials or if you want to take out a personal or green loan for amounts higher than €30,000 and up to €100,000, you need to apply at one of our branches.

For the Quick Loan personal loan, you may apply only through your mobile or computer.

Yes, you pay an application processing fee, when your loan is disbursed. You do not pay the fee if you loan is not approved.

The fee amount depends on the loan type and amount. Find out more about the consumer loan fees in the Alpha Bank Transaction Terms.

To pay only 1 instalment that may be up to 50% lower.

With All in 1 debt consolidation programme you can consolidate your performing debts from Alpha Bank loans and cards into 1 loan, with a favourable interest rate.

The Epipleon Overdraft Programme adds a credit line to the balance of your payroll.

You can use the approved credit line, without paying instalments on fixed dates. Quite simply, any time you use your credit line, you are charged with interest on the specific amount and for the corresponding number of days.

Interest is charged depending on the type of your account. Every 6 months for the Premier Account and every 3 months for the payroll account.

You can use your credit line to:

• Cash withdrawals from any ΑΤΜ, using your Alpha Bank card.
• Withdrawals from our branch network and transfers from your mobile app or web banking.
• Shop in Greece or abroad.
• Pay debts with a standing order.

You pay the instalments of your personal loan automatically by standing order from the account you have linked to your loan account. This account can be either an existing account you hold at Alpha Bank or a new one you’ll open.

You may make a deposit into the linked account:

• From your computer through web banking or your mobile phone through mobile app, by transferring money from another account.
• Through Alpha Bank ATMs.
• Through the Automated Payment Systems (APS) in cash only, using any active Alpha Bank card for authentication purposes.
• At a branch cashier, Monday to Friday 08:00-11:00.
  

Additionally, you may pay the instalment amount directly into the loan account by:

• Transferring money from another account from your computer through web banking or your mobile phone through mobile app, as well as through Alpha Bank ATMs.
• Making a cash deposit through the Automated Payment Systems (APS) and at the cashiers inside our branches.

You may repay the entire personal loan amount earlier exclusively at a branch cashier (Monday to Friday 08:00-11:00) by making a deposit directly into the loan account.

To complete the process, 2 transactions must be carried out:

• You deposit the amount for the full repayment into the loan account.
• We process the repayment transaction.

You may pay additional instalments of your consumer loan earlier by transferring money directly into the loan account from your computer though web banking or your mobile phone through mobile app.

Alternatively, you may deposit the amount directly into the loan account at a branch cashier, Monday to Friday 08:00-11:00.

Green loan for electric car or any other eco-friendly vehicle:

• Quote from a store or photo of the e-shop cart
• Quote form a dealer

Student loan:

• School, college, university fees
• Receipts for books or foreign language lessons

Green loan for the home:

Documents certifying the energy efficiency upgrades

For Metron Ariston personal loan 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.
• 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.

1. Income tax clearance certificate (last year) or, if you are a foreign citizen, of the last 2 years.
2. Copy of monthly payslip or pension slip (recent), if you are receiving your salary or pension at another bank.
3. ID card, if you are a foreign citizen from an EU country, or passport and residence permit if you are a citizen of a non-EU country.
4. Documents proving the purpose of the loan.

Freelance professionals may also need:

1. Periodical VAT returns and proof of submission through Taxisnet
2. The latest E3 form and N Form
3. Insurance clearance certificate

For Quick Loan you don’t need any documents.

Apply at a branch if you want to take out a personal loan up to €30,000.

If you want a loan up to €30,000, you can apply from your computer or mobile for:

• Metron Ariston personal loan without collateral
• Student loan
• Quick Loan consumer loan
• Green Solutions – Green loan for the home
• Green Solutions – Loan for electric car

Provided you have been included in the programme and have chosen to cover your participation with a loan, you need supporting documents for the loan pre-approval.

For salaried employees or pensioners

• Current ID card or passport
• Income tax clearance certificate for the last year from the IAPR
• Latest payroll slip or monthly pension slip
• Residence and work permit, for foreigners

For freelancers or company partners/shareholders

• Current ID card or passport
• Income tax clearance certificate for the last 2 years from the IAPR – 2 separate documents
• Insurance clearance certificate
• Residence and work permit, for foreigners

For the unemployed

• Current ID card or passport
• Income tax clearance certificate for the last year

The applications were filed in 2 rounds:

• Round 1, for all income categories – 12.06.2023 to 15.06.2023.
• Round 2, exclusively for income category 1 – 07.02.2024 to 29.03.2024.

To find out more about the “Renovate my home and save energy – for young people” programme, visit the official website of the:

• Programme
• Ministry of the Environment and Energy
• Implementing body

The applications were filed in 2 rounds:

• Round 1, for all income categories – 12.06.2023 to 15.06.2023.
• Round 2, exclusively for income category 1 – 07.02.2024 to 29.03.2024.

Provided you have been included in the programme and have chosen to cover your participation with a loan, you need supporting documents for the loan pre-approval.

For salaried employees or pensioners

• Current ID card or passport
• Income tax clearance certificate for the last year from IAPR.
• Latest payroll slip or monthly pension slip
• Residence and work permit, for foreigners

For freelancers or company partners/shareholders:

• Current ID card or passport
• Income tax clearance certificate for the last 2 years from IAPR  – 2separate documents
• Insurance clearance certificate
• Residence and work permit, for foreigners

Unemployed

• Current ID card or passport
• Income tax clearance certificate for the last year

You must first open an account with Alpha Bank.

You can open your first account with Alpha Bank through your mobile.

You can easily get e-Banking credentials through your mobile, without having to visit a branch.

Download the myAlpha Mobile app:

You can update your details easily online, from your mobile or computer.

Find out all the ways you can update your details.

Yes. Since you took out the loan while the offer was standing, you continue to have free borrower insurance that covers the repayment of your personal loan until you are 67 years old.

See how the personal loan insurance Individuals Insurance can work for you.

For amounts up to €30,000, you can apply from your computer or mobile for:

• Metron Ariston personal loan without collateral
• Student loan
• Quick Loan personal loan
• Green solutions – Green loan for the home
• Green solutions – Loan for electric car
  

If you don’t have digital banking credentials or if you want to take out a personal or green loan for amounts higher than €30,000 and up to €100,000, you need to apply at an Alpha Bank branch.

For the Quick Loan, you may apply only through your mobile or computer.