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Consumer Loan

28/04/2020
I want to apply for a consumer loan. What are the interest rates?
Kindly find more information HERE
28/04/2020
I am facing some difficulties on repaying my loan. What can i do?
We suggest you to visit your Alpha Bank branch and our staff will support you with the best solution based on your situation.
28/04/2020
I wan to apply for a consumer loan but i do not have a co applicant.
Alpha Bank offers the following credit limits without the need of a co-applicant or a guarantor.
a. Up to 500,000 Lekë for a maximum repayment period of 5 years with a floating interest rate.
b.     Up to 3,000 EUR / 420,000 Lekë for a maximum repayment period of 5 years with a fixed interest rate.

28/04/2020
Which is the maximum amount i can apply for a consumer loan?
  • You can apply up to 500,000 lekë without a guarantor
  • You can apply up to 2,000,000 Lekë with a guarantor if you are a payroll customer and up to 1,500,000 leke if you are a standard customer.
  • If you need a higher amount you can apply for a secured consumer loan up to 40,000 Euro ose 5,200,000 leke.
01/01/1900
Which is the maximum repayment period i can apply for a consumer loan?
You may apply for an unsecured consumer loan up to 7 years and up to 15 years for a secured consumer loan.
28/04/2020
Can i make an early repayment of my consumer loan?
Yes you can make an early repayment of your consumer loan. If you have a consumer loan with floating interest you do not pay an early disbursement fee. if you have a consumer loan with fixed interest you pay 1% of the outstanding balance if the loan is repaid 1 year before its term and 0.5% of the outstanding if the loan is repaid during its last year.