Consumer loans

Instant financing – easier than ever!

Repayment over an extended period, large amount of financing, and fully online.

Your liquidity needs are served easier than ever.

Through our EXPRESS Plus consumer loan, you can get a loan amount over €6,000 and up to €20,000 at any time you want, from the comfort of your desktop, in a few simple steps.

You can also:

Apply online
Be updated on loan approval
Immediate disbursement to your account

In brief:

Financing amount over €6,000 and up to €20,000
Repayment term from 12 to 84 months
A 0.25% interest rate reduction every six-months or an interest rate discount for NBG salary account holders

Get it in just a few steps

I want

I want to get in touch

EXPRESS Plus in just a few steps:

User login

If you're a registered user, log in to the Internet Banking home page, go to "Loans" and select "Get it".

Confirm your details

Then, confirm your details regarding your profession, home address, ID and tax particulars (by uploading your latest tax clearance certificate), and provide an insurance clearance certificate if you're subject to insurance clearance obligations.

Select amount

Then, select the loan amount you want, the repayment period in months, and the account that will be linked to the loan for repayment.

Submit request

Enter some more personal details and submit your application by entering the ΟΤΡ you received on the mobile phone you've registered with the Bank’s systems.

Accept the pre-contractual information - Digitally sign the agreement

After being informed about the specific features of your loan through the pre-contractual information document and the respective instalment schedule, digitally sign the loan agreement, if your application is approved.
Your loan amount is credited to your deposit account.

Finally, once the procedure has been completed, you can print a confirmation receipt.

What supporting documents may I need?

Identity card or passport
Your ID card or passport must be valid.
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Size and use certificate of the residence
We must know the surface area of the main and additional spaces, as well as the use of the property.
Proof of occupation
Proof of occupation might be requested.
Possibly utility bill
Utility bill confirming your address might be requested.

Please email me the details

Have any questions?

How do I pay the loan instalments?

Your monthly amortization instalments begin one month after the date of the loan's disbursement. You pay your instalment on the same day every month automatically through the account you hold with NBG.

How am I kept informed by the bank regarding my instalments, the interest rate and other details?

A statement is sent to you every month to keep you duly updated on your loan’s remaining instalments, interest rate, outstanding principal etc. Moreover, you can sign up for the Statements service and receive alerts regarding the issuance of your loan digital statements at the email address you've registered with the Bank.

What is the loan's interest rate?

The rate is floating based on 3M Euribor (dependent on the ECB intervention rate of the European Central Bank) plus interest margin.
Note that the floating interest rate is subject to changes in line with any increase or reduction in Euribor, and this may cause your instalment amount to go up or down. Also note that the loan's interest rate is subject to the levy under Law 128/75, currently 0.60%.

You can find all the details regarding the loan rate and charges here.

Can I make early repayment of my loan?

Yes, you can make early full or partial repayment of your loan, free of charge.

How much can I borrow?

With the EXPRESS Plus personal loan you can borrow from €6,100 to €20,000.

Much more than getting a personal loan

Designed to meet your needs

Go For More rewards

For even more rewards, sign up for Go For More and gain even more points when you pay your loan installments in time.

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Statements

You can register for statements and get an email informing you every time a loan statement is issued.

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More digital capabilities for you

Download the NBG Mobile Banking app

The NBG Mobile app gives you a host of benefits, from bill payments and shopping to transactions and managing your housing loan. Download the app to your iPhone or Android and simplify your transactions.

Our customer service team is here for you

We're always ready to help

Our highly trained team is waiting to answer any questions you may have, in person or by phone.