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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 under 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 personal identity card is entirely sufficient for establishing your identity.

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.


You have found the car of your dreams - here you can find the way to finance it.

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What Alphera offers

Finance and insurance - all from one source.

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