Alpha Credit S.A. review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

Alpha Credit S.A. lends directly to Belgian residents at a fixed rate, with APR of 8.9% to 15.5% on personal, credit line, car and student borrowing. It suits Belgian homeowners funding home improvement work, and anyone who wants the same instalment each month.

Key facts

Best for
Fixed rate borrowing in Belgium, from a car loan to home improvement work.
APR
8.9% to 15.5% (Source, checked September 26, 2026)
Loan amount
€1,200 to €200,000 (Source, checked September 26, 2026)
Term
12 to 120 months (Source, checked September 26, 2026)
Funding time
2-3 business days after contract approval (Source, checked September 26, 2026)
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 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Belgian residents only (Source, checked September 26, 2026)
Loan types
Personal, Credit-line, Debt-consolidation, Car, Student (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Alpha Credit SA (Source, checked September 26, 2026)
Headquarters
Belgium (Source, checked September 26, 2026)
Founded
1991 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Credit line
Official website
alphacredit.be

Apps and profiles

Get the app
Google Play
Elsewhere
TrustpilotLinkedInapps.apple.com

Pros and cons

Pros

  • Fixed rate pricing on personal, credit line and debt consolidation, so instalments hold steady.
  • A credit line sits alongside instalment loans in credit line, for spending in stages.
  • Support runs through email, phone and help centre, by call or in writing.

Cons

  • Open to Belgian residents only, which rules out applicants living elsewhere.
  • Money arrives on 2-3 business days after contract approval, slower than the 82.9% of same day lenders.
  • Pricing is fixed only, with fixed rate the sole model and no variable option.
Alpha Credit S.A.

Ready to try Alpha Credit S.A.?

Scored 9.2 / 10 by BorrowCue.

See alternatives

Who it suits

  • Belgian residents with a clear plan, since €1,200 to €200,000 covers a repair or a large project.
  • Borrowers who want fixed pricing and a steady instalment across 12 to 120.
  • People funding home improvement work, the use case given in home improvement.

Who should look elsewhere

  • Borrowers chasing the lowest headline cost, since Cashspace ES shows 0% and Cashspace PHP 12 to PHP 36.
  • Applicants outside Belgium, since Belgian residents only closes the offer; Monzo Flex serves another market at 10% to 23%.
  • Borrowers who want same day funding, since 2-3 business days after contract approval runs after contract approval.

How your money is protected

Alpha Credit S.A. lends as a direct lender, so the agreement runs with the lender itself rather than a broker or marketplace. The representative example sets out a fixed rate personal loan with equal monthly instalments and the total amount due stated up front, which makes the full cost of borrowing visible before you sign.

The company behind it

The contracting entity is Alpha Credit SA, based in Belgium, trading since 1991. It lends directly to Belgian residents rather than brokering, and support runs through email, phone and help centre, so a question about a drawdown or a term can go to someone by phone as well as in writing.

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?+

APR of 8.9% to 15.5% applies to personal loans, and the pricing is fixed, so the rate holds through the agreement. The representative example shows equal monthly instalments and the total amount due stated up front, so the cost of borrowing is visible before signing.

How much can I borrow and for how long?+

Amounts run €1,200 to €200,000 and terms last 12 to 120, so a single lender covers a small repair and a large project. The products listed in personal, credit line and debt consolidation cover personal, credit line, debt consolidation, car and student lending.

Who can apply for a loan?+

Eligibility is narrow: Belgian residents only. The lender operates from BE and contracts as Alpha Credit SA, so an application from outside Belgium sits outside its stated market. Lenders such as Monzo Flex serve a different borrower base, with APR of 10% to 23% for comparison.

Is the rate fixed or can it change?+

Fixed. The rate type is fixed and the model is fixed rate, matching 100% of the lenders on this site. The instalment stays level, with no variable option to weigh against the fixed price on this offer.

How quickly is the money paid out?+

Funding takes 2-3 business days after contract approval, so this suits planned spending rather than an emergency. Same day funding appears on 82.9% of the lenders compared here, which is the group to look at when a bill lands sooner than a contract can be signed.

What can I use the money for?+

The stated use case is home improvement, and the range in personal, credit line and debt consolidation adds personal, credit line, debt consolidation, car and student borrowing. A credit line under credit line also lets a staged project draw only what it needs.

Am I dealing with a broker?+

No. direct lender means the lender is its own creditor, so the agreement and the price come from one firm rather than a comparison service. Questions about a term or a fee go straight to the firm that set them.

How do I get help once the account is open?+

Support runs through email, phone and help centre, so an email, a call or the help centre are all open routes for a question about a drawdown or a term. Phone is the most common channel across the site at 85%, so written help sits alongside it.

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 borrowing in Belgium, from a car loan to home improvement work.

9.2/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings