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Alpen Kredit

Group · Since 2015

What we believe in

6 Values, 1 Commitment

Our values are not words on a wall. They are operational principles that guide every decision, every recommendation, every interaction with our clients.

01

Integrity

We only recommend what is in the client's interest — even if that means advising against taking a loan. Our independence is our most valuable asset.

How we put it into practice

→Strict separation between file analysis and commercial bank relationships
→Transparent advice on risks and credit alternatives
→Advisor compensation independent of bank commissions
→Annual publication of our recommendation practices
02

Excellence

Every file deserves the same level of analysis and care, whether it concerns €10,000 or €10 million. Excellence is not a premium service — it is our standard.

How we put it into practice

→Mandatory ongoing training for all analysts
→Double review of complex files
→Quality indicators measured and published quarterly
→Commitment to meeting announced deadlines, every time
03

Accessibility

Access to financing should not be reserved for those who know the right contacts. We democratise banking expertise for all European borrowers.

How we put it into practice

→100% free service for all individuals, no exceptions
→Interface available in 6 European languages
→WhatsApp support for clients without computer access
→Enhanced support for first-time applicants and self-employed individuals
04

Innovation

We invest heavily in technology to reduce processing times and improve the precision of our recommendations. Fintech is in our DNA.

How we put it into practice

→Proprietary file-to-bank matching algorithm
→Instant KYC powered by artificial intelligence
→Predictive scoring of approval probability
→Fully digital platform with eIDAS electronic signature
05

Responsibility

We do not encourage over-indebtedness. We decline files when the loan is not in the client's interest — even if we could place it.

How we put it into practice

→Systematic analysis of disposable income before any recommendation
→Rejection of files presenting an over-indebtedness risk
→Responsible credit awareness programme
→Partnership with debt prevention associations
06

Confidentiality

Your financial data is among the most sensitive there is. We protect it with the highest security standards and never share it without consent.

How we put it into practice

→AES-256 encryption of all client data
→No sale of data to third parties
→Appointed and accessible DPO (Data Protection Officer)
→Right to erasure exercised on request within 48h

Do these values resonate with you?

Join our clients who have trusted us since 2015.

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