- About Alpha Bank Albania
- About Alpha Bank Group
- Individuals
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- COSME
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Alpha Realize consumer loan is the loan which helps you to fulfill your desires and needs. It is especially designed for all of you who would like to buy new furniture or appliances for your home or to cover any other consumer needs.

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Apply for a Consumer Loan Alpha Realize and benefit:
- Affordable monthly installments, starting from 6,181 ALL
- Repayment period up to 7 years.
- Financing up to 500,000 ALL no guarantor required.
- Financing up to 2,000,000 ALL no collateral required.
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- Payroll Clients: 12M AGTB + 6.9 %
- Standard Clients: 12M AGTB + 7.4 %
Monthly installment for payroll clients example:
Requested amount
Interest rate
Effective interest rate
Forecasted monthly installment
300,000 ALL
5 YEARS8.68%
10.61%
6,181 ALL
1,000,000 ALL
7 YEARS8.68%
10.02%
15,927 ALL
2,000,000 ALL
7 YEARS8.68%
10%
31,854 ALL
Monthly installment for standard clients example:
Requested amount
Interest rate
Effective interest rate
Forecasted monthly installment
300,000 ALL
5 YEARS9.18%
11.21%
6,253 ALL
700,000 ALL
7 YEARS9.18%
10.57%
11,326 ALL
1,500,000 ALL
7 YEARS9.18%
10.52%
24,270 ALL
Applicable Reference rates 12M BTH = 1.78%
Base Rates are revised every 12-months at maturity date