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Customer FAQ

Frequently Asked Questions (FAQ)

With Alphera, it has never been easier to finance the car of your dreams. But if you still have questions − the answers are here.

Why do I have to undergo a credit check?

Credit checks are customary in banking business and are part of the standard inquiry. By carrying out a credit check, Alphera Financial Services is complying with its duty of care and protecting customers from over-indebtedness. However, it also does this to reduce its own default risk. Incidentally, a copy of your passport or personal identity card is entirely sufficient for establishing your identity.

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I've heard people talk about the importance of having a good credit rating. How does that affect me?

A good credit rating means that you have repaid past credit balances and continue to pay current credit balances in a timely manner. You should be able to maintain your good credit rating by making your credit balance payments on time and in full.

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