Choose a country
Canada
Choose a city
Choose a city
Choose a language
English
Select country
Choose a country
Canada
Canada
España
México
Philippines
United States
Việt nam
Казахстан
Россия
Україна
Leasing company
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Alphera Financial Services

Finanso.Multilogin™

About lender

Alphera Financial Services is a company that provides financial, leasing, and insurance services to consumers and dealerships. It was founded in 2001. Alphera provides its services in Canada and around the globe, operating in 26 countries worldwide, including Japan, France, Italy, Australia, and the US. Alphera Financial Services is a member of BMW Group Financial Services member and offers numerous services for dealerships. However, they also have a range of services that would be useful for consumers. More information on the offers can be found on the customer’s country website. Clients must choose their country on the website’s homepage and locate the required service. Afterward, they must create an account or connect with the company’s staff.

Features

Alphera Financial Services operates around the globe. They have branches in 26 countries all over the world. Initially, it was launched by BMW Group Financial Services.

Alphera operates in partnership with auto dealerships, through which they provide their vehicle financing options. However, it serves consumers alike.

The company offers loans for vehicle purchases, leases, and insurance. However, the precise list of provided services depends on the customer's country. With the help of Alphera, clients can have all their vehicle financial needs taken care of by one provider. If customers want to find out what Alphera Financial services are offered in their country, they will need to check out their website. Also, they may contact Alphera via phone or email if they don’t find sufficient information. However, they can create an Alphera account on their website, and then they will be able to check out all the necessary information. As Alphera operates internationally, the services and conditions vary from country to country, so this data will also be displayed in the customer’s Alphera account.

Pros and cons

It is helpful to note that Alphera Financial Services has several pros and cons that can impact consumers’ decisions.

Pros

  • Alphera Financial provides services that can be beneficial for customers and dealerships alike.

  • This is an international company that operates in 26 countries.

  • Alphera Financial has a long history and is a member of BMW Group Financial Services.

  • The company provides not only car loans but also leasing and insurance services.

  • Withdrawals are made by automatic payments.

  • Conditions are flexible, and Alphera can provide clients with options that fit their budget.

  • Customers can change their installment dates.

Cons

  • There is no application form on the website.

  • The website is poorly crafted and doesn’t contain sufficient information.

  • The Canadian web page has no information at all, only their contacts.

  • To find out the list of services and conditions customers need to create an account.

  • Their services are only provided for BMW and MINI vehicles.

As we see, the company has some advantages. They operate in 26 countries and can be called an international company. Also, they are members of BMW Group Financial Services and have an impressive experience in this industry.

However, there are several significant disadvantages; most of them are connected to the website. Customers must choose their country on the website to find the provided services, but some of them simply contain no information. For example, the UK website is well elaborated and has some useful pages. In contrast, the Canadian version has only contact information. Also, clients have to create an account to find out the conditions of the company's services.

Loan conditions

If the company's services attract customers, they must first choose their country on its website. Then they will be redirected to the necessary page. To get more information about the conditions and services that Alphera provides in their country, they need to contact the company via phone or email or by simply creating an account. Whether they are dealerships or consumers, they will find something suitable.

The company’s requirements vary from country to country. Unfortunately, the Canadian version of the website only contains contact information, but there are still some basic requirements. For example, customers must be Canadians older than 18 years old. Also, they must provide some documents such as ID, valid driver’s license, filled application, and others.

The company has different conditions in different countries. Customers need to create an account or connect with the company’s branch to find out these conditions.

Methods of loan funding

Once customers are done with the application and approved, they may start choosing the needed services. Methods of funding depend on it.

FAQ

What is Alphera Financial?

Alphera Financial Services is a company that provides financial, leasing, and insurance services to consumers and dealerships. It operates in 26 countries, including Canada. The company offers car loans, insurance, and leases.  

Who owns Alphera Financial?

Alphera Financial is a member of BMW Group Financial Services.

How do you qualify for Alphera Financial?

Canadians who want to qualify for the company’s services must be older than 18 years old, be Canadian citizens, and provide documents such as ID, valid driver’s license, filled application, and others. Upon account creation and application process initiation, more precise eligibility requirements can be revealed.

How much can you borrow from Alphera Financial?

The borrowable amounts differ for different countries and depend on the vehicle they want. Customers need to create an account to find out more.

Is it a legitimate company?

Alphera Financial Services is a legitimate company. It was founded by BMW Group Financial Services. BMW Financial Services Canada’s Quebec Business Number is 1147027743.

Company documents

Privacy Policy

ALPHERA Financial Services is a reliable and solution-oriented partner for vehicle dealers and buyers in over 20 countries in the world. 

© Alphera Financial Services

Similar products

Scotiabank
Scotia Plan® Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Goeasy
Easyhome Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$500 - $20,000
Rate
i

Effective interest rate on the product

29,99% - 46,96%
Term
i

Loan term for the financial product

24 - 240 months
Goeasy
Easyfinancial Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$500 - $75,000
Rate
i

Effective interest rate on the product

APR 9.99% - 46.96%
Term
i

Loan term for the financial product

24 - 240 months
Kingcash
Cash Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$500 - $750
Rate
i

Effective interest rate on the product

APR 22%
Term
i

Loan term for the financial product

up to 120 days
Leap Financial
Home Equity Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$10,000 - $2,500,000
Rate
i

Effective interest rate on the product

4.95% - 12.99%
Term
i

Loan term for the financial product

up to 30 years
Leap Financial
Mortgage Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$10,000 - $2,500,000
Rate
i

Effective interest rate on the product

starting from 1.05%
Term
i

Loan term for the financial product

up to 30 years

Calculate loan payments at Alphera Financial Services

With Alphera Financial Services calculator you can calculate an approximate payment schedule for the loan

Alphera calculator
Interest rates are given in accordance with the rates of the bank in Ottawa as of 18.08.2022
Loan amount
i

Specify the desired loan amount

CAD
CAD
1000 $
100000 $
Loan term
i

Specify the desired loan amount

months
days
1
60
City
Your comment has been added
Error
Your complaint has been recorded
Invalid username or password
comment.alert.error-reg
Please log in to like/dislike
Invalid SMS code has been entered
All Alphera Financial Services’s reviews by August 2022
Leave feedback

Similar companies

Polaris Leasing
License No. 133306555
2-396 Assiniboine Avenue, Winnipeg, Manitoba R3C 0Y1
1-800-661-5327
LeaseDirect
2949 17 Avenue Southeast Calgary, Alberta
1-888-202-21-85
Equilease
41 Scarsdale Road, Unit 5 Toronto, Ontario, M3B 2R2
1-866-499-6200
Easylease
License No. 868946146
23 Lesmill Rd. Ste 302 Toronto, Ontario M3B 3P6
1-800-293-1119