Different online loans in Italy - all in one place

Find various Italian lenders. Whether you are searching for a consumer loan, personal loan or credit card - here you can find them all!

Importo del prestito5.000 €
Durata del prestito60 mesi
Aggiusta la ricerca
Aggiornato: 12 aprile 2024
logo
Importo del prestito
1.000 - 50.000 €
Durata del prestito
6 - 84 mesi
TAEG
16,43%
Rata mensile
60 mesi
Un Prestito Conveniente
Un Prestito Veloce
Online, Semplice e Veloce
Importo richiesto: 2.000 € rimborsabili in 12 mesi. TAEG: 16,43%. Importo totale del credito: 2.330 €
logo
Importo del prestito
1.000 - 60.000 €
Durata del prestito
12 - 120 mesi
TAEG
0 - 8,2%
Rata mensile
60 mesi
Nessuna commissione
Nessun costo aggiuntivo
Elevata probabilità di ottenere il prestito
Importo richiesto: 25.000 € rimborsabili in 120 mesi. TAEG: 6,61%. Importo totale del credito: 33.932,40 €
logo
Importo del prestito
5.000 - 30.000 €
Durata del prestito
24 - 84 mesi
TAEG
11,45 - 19,05%
Rata mensile
60 mesi
Prestito in un giorno
Consulenza gratuita
Preventivo chiaro e dettagliato
Importo richiesto: 9.000 € rimborsabili in 60 mesi. TAEG: 18,75%. Importo totale del credito: 15.570,40 €
logo
Importo del prestito
2.000 - 75.000 €
Durata del prestito
2 - 84 mesi
TAEG
5,2 - 16,4%
Rata mensile
60 mesi
100% Online
Credito in 24 ore
Compilazione richiesta gratuita
Importo richiesto: 25.000 € rimborsabili in 12 mesi. TAEG: 10,74%. Importo totale del credito: 27.685 €
logo
Importo del prestito
100 - 75.000 €
Durata del prestito
2 - 84 mesi
TAEG
5,2 - 16,4%
Rata mensile
60 mesi
Processo guidato
Finanziamenti flessibili
Prestiti in un’ora senza busta paga
Importo richiesto: 2.000 € rimborsabili in 12 mesi. TAEG: 16,4%. Importo totale del credito: 2.328 €
logo
Importo del prestito
1.000 - 50.000 €
Durata del prestito
6 - 84 mesi
TAEG
16,43%
Rata mensile
60 mesi
Un Prestito Conveniente
Un Prestito Veloce
Online, Semplice e Veloce
Importo richiesto: 2.000 € rimborsabili in 12 mesi. TAEG: 16,43%. Importo totale del credito: 2.330 €
logo
Importo del prestito
1.000 - 60.000 €
Durata del prestito
12 - 120 mesi
TAEG
0 - 8,2%
Rata mensile
60 mesi
Nessuna commissione
Nessun costo aggiuntivo
Elevata probabilità di ottenere il prestito
Importo richiesto: 25.000 € rimborsabili in 120 mesi. TAEG: 6,61%. Importo totale del credito: 33.932,40 €
logo
Importo del prestito
5.000 - 30.000 €
Durata del prestito
24 - 84 mesi
TAEG
11,45 - 19,05%
Rata mensile
60 mesi
Prestito in un giorno
Consulenza gratuita
Preventivo chiaro e dettagliato
Importo richiesto: 9.000 € rimborsabili in 60 mesi. TAEG: 18,75%. Importo totale del credito: 15.570,40 €
logo
Importo del prestito
2.000 - 75.000 €
Durata del prestito
2 - 84 mesi
TAEG
5,2 - 16,4%
Rata mensile
60 mesi
100% Online
Credito in 24 ore
Compilazione richiesta gratuita
Importo richiesto: 25.000 € rimborsabili in 12 mesi. TAEG: 10,74%. Importo totale del credito: 27.685 €
logo
Importo del prestito
100 - 75.000 €
Durata del prestito
2 - 84 mesi
TAEG
5,2 - 16,4%
Rata mensile
60 mesi
Processo guidato
Finanziamenti flessibili
Prestiti in un’ora senza busta paga
Importo richiesto: 2.000 € rimborsabili in 12 mesi. TAEG: 16,4%. Importo totale del credito: 2.328 €
Gli importi che riceviamo sotto forma di commissione influenzano la selezione.

Contenuto

Online loans in Italy - everything you need to know

Loans are in their simplest form an agreement between a lender and a borrower about the loan terms. The lender has the funds available and lends them under specific criteria, often through a specific type of interest rate and some additional fees. This is considered the payment for borrowing the money and it is paid back monthly, quarterly, biannually, or annually by the one who borrowed the money.

As the agreement is made, certain aspects like amount, runtime (how long the period for returning the money is), and interest rate must be set.

This agreement is often offered by banks to consumers under a specific contract, since banks have the funds available to them.

An example of a loan like this:

You borrow an amount of 15.000€, over a runtime of 8 years (96 months), with an interest rate of 7%. With fees included, the final repayment for this loan is around 19.000€. However, this amount is split over 96 terms (months), with a monthly payment of 198€ (fees included).

So, normally, it would common practice to directly consult a local bank to sign up for a loan, but as online banking has become more and more popular, there are several lenders offering convenient online loans. While most traditional banks require a thorough investigation of your financial standpoint regarding monthly income, budgets, last year’s spending and much more, online banks only require minimum information, which makes them more accessible.

Some online lenders might also offer lower interest rates since they are not burdened by paying rent for a physical subsidiary in the area.

To apply for a loan, you must fulfil the following requirements:

  • Be over 18 years old and under 70 years old. Some banks might have loans available to you even if you are over 70.

  • Have your place of residence in Italy. Some financial institutions, in connection with bigger loans, might require Italian citizenship as well.

  • Have a stable income source. Banks offer loans on the basis of getting back the money after the runtime has passed. If you have no income source, you cannot pay back your loan with the added interest, which in turn means you will not be able to take a loan in the first place.

  • Have an Italian bank account.

Here is an overview of the loans offered by online lenders in Italy, which you can also find right here on Moneezy:

Classic loans

Personal Loans (Prestiti Personali), Financing (Finanziamenti), and Employee Loans (Cessione del Quinto) are the three different loans that belong to the category of consumer loans and follow the classic loan structure in Italy. You apply for a loan of a certain amount, as well as decide on a runtime for paying it back with the added interest and fees. The different terms are mainly used to distinguish between the use you can make of loans.

These loans can be used for many different things.

All these kind of loans can be requested either for small or big amounts. The smaller loans can be used for an unexpected expense that has come through, an emergency that must be taken care of, or invested in an item you've wanted for years. The bigger loans are more suited towards initiating start-ups, loans for property or vehicles, as well as energy optimization or renovations in your home. The possibilities are endless, which is why the consumer loan is the most common loan.

Special loans

Consolidation Loans (Consolidamento debiti) is a term for combining several smaller loans into one big loan, to avoid paying huge interest for several loans at a time. These are especially useful when consumers have taken several small loans and are now burdened with several payment dates and different interest rates.

Discover the potential of

Promissory Note Loans (Prestiti Cambializzati) are a type of loan particularly suited to borrowers who have previously been denied credit. Through this loan format, financial institutions may agree to disburse funds despite prior rejections, securing repayment with a promissory note (or bill of exchange). This note serves as a formal pledge to pay a specified sum of money either at a future date or upon demand, thereby offering an additional layer of security for the lender.

Lastly, Overdraft (Fido bancario) allows you to exceed the amount of money in your account by a set amount each month, without paying the normal fees. This is especially useful when conducting a big project, for example, a house renovation, where unexpected expenses can come out of nowhere. The loan is only active if your account experiences an overdraft and the loan will cover the rest of your expenses. Once next month’s paycheck comes in, the loan is automatically paid off with a small interest rate.

Pros and Cons of Online Loans

Pro
  • Loans that suit your situation

  • Allow you to realize your projects

  • Transparency throughout the entire process

  • No loan justification

  • A way to obtain liquidity

  • Convenient and flexible

Cons
  • Lifestyle inflation, where you spend more money because you have more money

  • Debt, if you are not careful with your budget

  • Reckless spending

  • Extra fees if you do not comply with payment dates

If you are not realistic and thorough in your financial pianification in connection with your loans, you can end up having trouble paying them back over time. Furthermore, if you apply for a loan to spend on devaluating assets such as technology, fashion, and trends, you are not looking at investments, but rather at reckless spending, something to avoid using loans for. Being mindful and intentional about your loans is the most important aspect. But, if you keep these risks in mind when applying for a loan, they can be a great source to realize projects.

Autore:
General Manager
Emil Kjær
General Manager

Emil usa la sua esperienza per fare la differenza nel settore finanziario. Ha studiato presso la Southern Denmark University, in Danimarca, ed è direttore generale di Intelligent Banker dal 2013, dove ha aiutato più di 500.000 utenti di tutto il mondo con le loro esigenze finanziarie.

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Domande Frequenti

What kind of customer support do online lenders offer to borrowers in Italy?

Online lenders typically provide customer support through various channels, including phone, email, live chat, and sometimes even in-app support. This ensures borrowers can get assistance with their loans, understand their terms, and receive help with any issues that arise during the loan's lifetime.

How do online lenders handle late payments or defaults on loans in Italy?

Online lenders in Italy, as elsewhere, typically have policies in place to manage late payments or defaults. These may include charging late fees, reporting to credit bureaus, which can affect the borrower's credit score, and engaging in collection efforts for severely delinquent loans. It's important for borrowers to communicate with lenders as soon as they anticipate difficulty in making payments, as many lenders prefer to find a mutually agreeable solution rather than pursue legal action.

What measures do online lenders in Italy take to ensure the security of personal and financial information submitted through their platforms?

It's standard practice for online lenders to employ multiple cybersecurity measures to protect personal and financial information. These measures likely include data encryption, secure transmission protocols (such as SSL), two-factor authentication for user accounts, and regular security audits to safeguard against unauthorized access or data breaches. Ensuring the privacy and security of applicant data is a critical concern for online financial institutions.

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