Skip to content
BancoPosta

Prestito BancoPosta Flessibile

APR (TAEG)

12.66–13.73%

Who can apply

The loan is for people resident in Italy who can provide proof of employment or pension income.

All of these conditions

  • The applicant must be resident in Italy.

  • Proof of employment or pension income earned in Italy.

General offer terms

TAN is the annual interest rate. APR, called TAEG in Italy, includes interest and other required borrowing costs. The lender confirms the rate for your application.

Condizioni offerte da Deutsche Bank S.p.A.

Financial and contractual terms for financing provided by Deutsche Bank S.p.A.

Amount
3.000 €–30.000 €
Term
24–120 months
Annual interest rate (TAN)
up to 12.5%
APR range (TAEG)
up to 13.73%

Lender: Deutsche Bank S.p.A.

Origination fee
Free
Installment collection
—
Statement delivery
—
Statement stamp duty
—
Early repayment

1%

For agreements with more than one year remaining

0.5%

For agreements with one year or less remaining

Contract stamp duty
—
Registration tax
—
Substitute tax

16,00 €

For loans with terms of up to 18 months

0.25%

For loans with terms longer than 18 months (substitute tax calculated on the loan amount)

Representative examples

Published lender examples; these are not personal quotes.

6.000 € · 60 months

Installment 132,71 € · APR (TAEG) 12.7%

Total repayable 7.998,85 €

Condizioni offerte da Findomestic Banca S.p.A.

Financial and contractual terms for financing provided by Findomestic Banca S.p.A.

Amount
3.000 €–60.000 €
Term
36–108 months
Annual interest rate (TAN)
up to 12.5%
APR range (TAEG)
up to 12.67%

Lender: Findomestic Banca S.p.A.

Origination fee
Free
Installment collection
—
Statement delivery
—
Statement stamp duty
—
Early repayment

1%

If more than one year remains on the agreement

0.5%

If one year or less remains on the agreement

Contract stamp duty
—
Registration tax
—
Substitute tax

27,50 €

Stamp duty/substitute tax on the agreement is payable by the customer

Representative examples

Published lender examples; these are not personal quotes.

11.000 € · 84 months

Installment 193,59 € · APR (TAEG) 12.66%

Total repayable 16.289,06 €

Condizioni offerte da Santander Consumer Bank S.p.A.

Financial and contractual terms for financing provided by Santander Consumer Bank S.p.A.

Amount
3.000 €–60.000 €
Term
36–108 months
Annual interest rate (TAN)
up to 12.5%
APR range (TAEG)
up to 12.74%

Lender: Santander Consumer Bank S.p.A.

Origination fee
Free
Installment collection
—
Statement delivery
—
Statement stamp duty
—
Early repayment

1%

If more than one year remains on the agreement

0.5%

If one year or less remains on the agreement

Contract stamp duty
—
Registration tax
—
Substitute tax

42,50 €

Stamp duty/substitute tax on the agreement is payable by the customer

Representative examples

Published lender examples; these are not personal quotes.

17.000 € · 90 months

Installment — · APR (TAEG) 12.66%

Repayment flexibility

Skip an installment: Yes

Skip Installment Option: possibility to skip an installment under the contractual conditions set by individual lenders.

Paid installments before first use:
6
Minimum months between uses:
12
Maximum uses:
3 · Skip Installment Option: possibility to skip an installment under the contractual conditions set by individual lenders.
Option fee:
—

Reduce an installment: Yes

Installment Change / Plan Change Option: modification of the monthly base installment amount.

Paid installments before first use:
6
Minimum months between uses:
1
Maximum uses:
— · Installment Change / Plan Change Option: modification of the monthly base installment amount.
Option fee:
—

Change payment day: —

Additional borrowing: —

Lender: Deutsche Bank S.p.A., Findomestic Banca S.p.A., Santander Consumer Bank S.p.A., Compass Banca S.p.A.

Distributor: Poste Italiane S.p.A. – Patrimonio BancoPosta

Features

Fixed rate available
Yes
Variable rate available
No
Debt consolidation
—
Skip an installment
Yes
Joint borrower
Yes
Guarantor accepted
No
Education
—
Home
—
Mobility
—
Health
—
Family
—
Sustainability
—
Starting a career
—
Documents and sources

Similar offers