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Alpha Credit S.A. review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Alpha Credit S.A. suits Belgian residents wanting a fixed rate personal loan from a direct lender, with money landing 2-3 business days after contract approval. Borrowings run €1,200 to €200,000 at an APR of 8.9% to 15.5%, and a credit line and debt consolidation sit alongside.

Key facts

Best for
Fixed rate personal loans in Belgium, with a credit line on the side.
APR
8.9% to 15.5%↗
Loan amount
€1,200 to €200,000↗
Term
12 to 120 months↗
Funding time
2-3 business days after contract approval↗
Representative example
Personal loan of EUR 8,500 at an APR of 10.99% (fixed annual rate 10.99%), monthly instalment of EUR 217.51 over 48 months; total amount due EUR 10,440.48↗
Rate type
Fixed↗
Lender type
Direct lender↗
Eligibility
Belgian residents only↗
Loan types
Personal, Credit-line, Debt-consolidation, Car, Student↗
Use cases
Home-improvement↗
Legal entity
Alpha Credit SA↗
Headquarters
Belgium↗
Founded
1991↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Features
Credit line
Official website
alphacredit.be

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
Google Play
Elsewhere
TrustpilotLinkedInapps.apple.com

Pros and cons

Pros

  • The rate is fixed for the term (fixed), so the instalment does not move with the market.
  • Borrowings run €1,200 to €200,000 over terms of 12 to 120, aimed at home improvement.
  • A direct lender, not a broker, covering personal, credit line and debt consolidation.
  • Support runs on email, phone and help centre, so help is a phone call, an email or a help centre away.

Cons

  • Eligibility reads Belgian residents only, which caps the audience at a single market.
  • An APR of 8.9% to 15.5% sits against a personal loan median of 14.43%, so rate shopping still pays.
  • Money reaches the account 2-3 business days after contract approval, which will not serve a bill that turns up the same day.
Alpha Credit S.A.

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Scored 9.3 / 10 by SumCue.

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Who it suits

  • Belgian residents funding a home improvement project on a fixed rate.
  • Borrowers who want debt consolidation and a credit line handled by a direct lender.
  • Anyone comfortable waiting, since the cash arrives 2-3 business days after contract approval.

Who should look elsewhere

  • Anyone chasing the lowest rate should weigh Cashspace, whose APR of PHP 12 to PHP 36 is lower.
  • Sofkredit suits applicants who want a rate range reaching 10.74% to 18.06%.
  • Creduma ES starts at from €12,000, so those wanting a bigger lump sum may look there.

How Alpha Credit S.A. compares

Where Alpha Credit S.A. is available

Available
Belgium

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Alpha Credit S.A. charge?+

The personal loan runs at an APR of 8.9% to 15.5%, and the rate is fixed for the life of the loan. A representative example is published showing a fixed annual rate with a monthly instalment paid over the term, so the same amount leaves the account each month.

How much can I borrow and over what term?+

Borrowings run €1,200 to €200,000 with terms of 12 to 120, which covers a small home project up to a substantial renovation or consolidation. The stated purpose is home improvement, and a credit line sits alongside the personal loan.

Who can apply for these loans?+

Eligibility reads Belgian residents only, so the products are aimed at people living in Belgium. Alpha Credit S.A. has been lending since 1991 and works as a direct lender rather than a broker, which keeps the application with a single provider.

How quickly does the money arrive?+

Funding comes 2-3 business days after contract approval. That pace suits planned spending where the contract is signed and instalments begin shortly after, but it will not serve a sudden bill that needs cash on the same day.

What kinds of loan are on offer?+

The range covers personal, credit line and debt consolidation, so a personal loan, a credit line, debt consolidation, a car loan or a student loan can be arranged through the same provider. A credit line is listed among the features, alongside the fixed rate model.

Does it consolidate existing debts?+

Debt consolidation is one of personal, credit line and debt consolidation, so existing borrowings can be rolled into a single fixed rate instalment. The schedule runs over 12 to 120, and the representative example for the personal loan shows a fixed annual rate with a monthly instalment across the term.

How do I get help or a question answered?+

Support runs on email, phone and help centre: email, phone and a help centre. Questions can go to a person by phone or be answered in writing, which suits borrowers who prefer a call or a written reply rather than live chat.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check.

Alpha Credit S.A.

Alpha Credit S.A.

Fixed rate personal loans in Belgium, with a credit line on the side.

9.3/10See alternatives