---
title: "Prestito BancoPosta Flessibile – BancoPosta | 123offerte"
description: "Prestito BancoPosta Flessibile from BancoPosta: prices, conditions and documents. Explore the details and compare alternatives in Personal loans on 123offerte."
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> Index of every page on this site: [llms.txt](https://123offerte.it/llms.txt)

[BancoPosta](https://123offerte.it/en/banking/providers/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**

- [Source 1 · www.poste.it](https://www.poste.it/prestiti-personali-bancoposta/prestito-bancoposta-flessibile)
- [Source 2 · www.poste.it](https://www.media.poste.it/bancoposta/pdf/trasparenza/DI_PBPF_DeutscheBank.pdf)
- [Source 3 · www.poste.it](https://www.media.poste.it/bancoposta/pdf/trasparenza/DI_PBPF_Findomestic.pdf)
- [Source 4 · www.poste.it](https://www.media.poste.it/bancoposta/pdf/trasparenza/DI_PBPF_SANTANDER.pdf)

## Similar offers

- **BancoPosta** · [Prestito Flessibile Maxi](https://123offerte.it/en/banking/personal-loans/bancoposta/prestito-flessibile-maxi-id-30b68dd681627f0b)

  APR (TAEG)

  **12.74%**
- **BancoPosta** · [Prestito Consolidamento](https://123offerte.it/en/banking/personal-loans/bancoposta/prestito-consolidamento-id-26541ca42f3f5fec)

  APR (TAEG)

  **11.89%**
- **BancoPosta** · [Mini Prestito](https://123offerte.it/en/banking/personal-loans/bancoposta/mini-prestito-id-3763717559e4d47a)

  APR (TAEG)

  **15.66%**
- **BancoPosta** · [Prestito](https://123offerte.it/en/banking/personal-loans/bancoposta/prestito-id-86ae168fd2b56d38)

  APR (TAEG)

  **—**
- **BancoPosta** · [Prestito Maxi](https://123offerte.it/en/banking/personal-loans/bancoposta/prestito-maxi-id-eae4be2e8e5613ea)

  APR (TAEG)

  **—**
- **BancoPosta** · [Prestito Online](https://123offerte.it/en/banking/personal-loans/bancoposta/prestito-online-id-4900e08d6192dec8)

  APR (TAEG)

  **—**

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Source: 123offerte.it — https://123offerte.it/en/banking/personal-loans/bancoposta/prestito-flessibile-id-3051f775b7cd3ec7 (accessed 2026-11-01)

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