Confronta i migliori prestiti personali in Italia.
17 live personal loans offers tracked across 17 Italian providers, with APRs from €0 da 5.90% TAEG. Data current as of 23 October 2026 and updated daily from the Giraffy database.
17 live offers compared from 17 providers, from 3.99% APR. Updated daily.
€0 da 5.90% TAEG
Compass Prestito is a Personal Loans offer from Compass in Italy. Listed at EUR 0 da 5.90% TAEG. Key details — APR: da 5.90% TAEG; Loan Amount: €2.000–€50.000; Term: 12–84 mesi.
€0 da 7.50% TAEG
€0 da 8.99% TAEG
€0 da 6.50% TAEG
€0 da 7.50% TAEG
€0 da 9.00% TAEG
€0 da 8.00% TAEG
€0 da 7.99% TAEG
€0 da 8.50% TAEG
€0 da 7.00% TAEG
€0 da 7.99% TAEG
Widiba Prestito is a personal finance offer from Widiba in Italy. Key details — APR: da 7.99% TAEG; Loan Amount: €5.000–€50.000; Term: 24–72 mesi.
€0 da 5.99% TAEG
ING Prestito is a personal finance offer from ING in Italy. Key details — APR: da 5.99% TAEG; Loan Amount: €5.000–€50.000; Term: 12–84 mesi.
3.99% APR
European fintech lender with fully digital process. Risk-based pricing — lowest APRs for top-rated borrowers.
5.99% APR
BNP Paribas-owned consumer lender — one of Italy's largest. Quick approval, flexible terms.
6.49% APR
Personal loan from Credem with fixed monthly instalments and competitive rates for bank clients.
6.99% APR
Consumer finance from Agos (Crédit Agricole Group). Fast approval online or in-branch.
7.99% APR
French-origin lender with a strong Italian presence. Apply 100% online.
A personal loan (prestito personale) is an unsecured, non-purpose loan — a prestito non finalizzato — where the lender advances a lump sum you repay in fixed monthly instalments and can spend on almost anything: home improvements, a wedding, consolidating debts or an unexpected expense. Unlike a prestito finalizzato, it is not tied to a specific purchase, so the money lands in your bank account and the goods you buy are entirely your choice.
Terms typically run from 12 to 120 months, with the instalment fixed for the life of the loan so your budgeting is predictable.
The market spans traditional banks, specialist consumer-credit firms and newer digital lenders. Banks such as UniCredit, Credem, Deutsche Bank Italia, ING and Banca Mediolanum lend to existing and new customers, while consumer specialists like Findomestic and Creditis focus purely on retail credit. Younited Credit pioneered a fully online, paperless process with fast decisions.
A distinct Italian product is the cessione del quinto — a salary- or pension-backed loan where repayments (capped at one-fifth of net monthly income) are deducted at source by the employer or pension body. Because repayment is guaranteed, it is accessible even to borrowers with a weaker credit profile.
Fixed instalments — the monthly amount is set at signing, so there are no rate surprises.
Cessione del quinto — repayment deducted from salary or pension, capped at 20% of net income, with mandatory life and job-loss insurance.
Digital application — lenders like Younited Credit offer online underwriting with rapid disbursement.
Debt consolidation — a single personal loan can replace several smaller debts to simplify repayments.
Compare on TAEG rather than TAN. The TAN is the nominal interest rate; the TAEG folds in file fees, monthly management charges, stamp duty and any compulsory insurance, giving the true annual cost. Two loans with the same TAN can have very different TAEGs.
Consider the total repaid over the full term, not just the monthly figure — stretching the term lowers the instalment but raises total interest. Your credit history at CRIF and other bureaux will shape both approval and the rate offered.
Prominent lenders include Credem, Findomestic, Younited Credit, Deutsche Bank Italia, Creditis, ING, UniCredit and Banca Mediolanum. Giraffy tracks around 17 live personal-loan offers for the Italian market, spanning bank, specialist and digital lenders.
Advertised nominal rates typically range from around 0% TAN on promotional or small-ticket offers up to roughly 7.99% TAN for standard unsecured lending. The TAEG will always sit above the TAN once fees are counted. Every rate is bounded by the quarterly Legge 108 usury ceilings published by Banca d'Italia, which set the maximum lawful cost for each loan category.
Personal lending is governed by Italy's consumer-credit framework and supervised by Banca d'Italia. Borrowers have a 14-day withdrawal right and can repay early with a proportional reduction of the credit cost. Applications and repayment conduct are recorded at credit bureaux such as CRIF. The usury ceilings under Legge 108 cap the maximum rate a lender may charge.
What is cessione del quinto? A loan repaid via automatic deduction from your salary or pension, limited to one-fifth of net income, often available even with an imperfect credit record.
Will a rejection show on my record? Applications are logged at CRIF; repeated enquiries in a short window can affect how new lenders assess you.
Can I consolidate existing debts? Yes — a single personal loan can be used to pay off multiple debts and leave you with one instalment.
Giraffy tracks 17 personal loan products across 17 lenders in Italy. Compare by APR or representative rate — this includes all standard fees, making it the fairest comparison metric.
Lenders set your individual rate based on credit score, income, existing debts, employment status, and loan amount. The representative rate shown on adverts is offered to at least 51% of successful applicants — your actual rate may be higher. Use eligibility checkers that run a soft search (no credit score impact) to see likely rates before applying.
Personal loan amounts vary by lender and market. Unsecured products are typically available from a few hundred to tens of thousands in local currency, without requiring collateral. Secured products can go higher but put an asset at risk if you miss payments.
An unsecured personal loan is based purely on your creditworthiness — no collateral required. A secured product is backed by an asset (usually your home), so you can often borrow more and at a lower rate, but the asset is at risk if you miss payments. Most personal loan products are unsecured.
Most lenders allow early repayment, but may charge an early repayment or settlement fee — typically 1–2 months' interest on the outstanding balance. Check the terms before signing. If you're likely to pay off early, factor this cost into your total repayment calculation.
Many lenders in Italy offer same-day or next-day funding once your application is approved and documents verified. Online-only lenders tend to be faster than traditional banks. Larger loans or complex applications may take a few extra working days.
APR (Annual Percentage Rate) includes both the interest rate and any mandatory fees, expressed as an annual percentage of the loan. It's the only standardised metric that allows true like-for-like comparison across lenders. Always compare APRs rather than headline interest rates when shopping.