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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 Maxi

APR (TAEG)

**12.74%**

### **Who can apply**

For holders of a Libretto Ordinario or Libretto Smart for at least 30 days, who are resident in Italy and can provide proof of income.

**All of these conditions**

- Resident in Italy
- Verifiable employment or pension income earned in Italy
- For holders of a Libretto Ordinario or Libretto Smart for at least 30 days.

### **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.

#### **Finanziamento Santander Consumer Bank S.p.A.**

Terms available to all customers for amounts from €30,001 to €60,000

- **Amount**: €30,001–€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**: €42.50 Stamp duty/substitute tax on the agreement is payable by the customer
- **Registration tax**: —
- **Substitute tax**: —

### **Repayment flexibility**

**Skip an installment: Yes**

BancoPosta Flexible Maxi Loan

- **Paid installments before first use:**: 6
- **Minimum months between uses:**: 12
- **Maximum uses:**: 3 · BancoPosta Flexible Maxi Loan
- **Option fee:**: —

**Reduce an installment: Yes**

BancoPosta Flexible Maxi Loan

- **Paid installments before first use:**: 6
- **Minimum months between uses:**: 1
- **Maximum uses:**: — · BancoPosta Flexible Maxi Loan
- **Option fee:**: —

**Change payment day: —**

**Additional borrowing: —**

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**: Yes
- **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-maxi)
- [Source 2 · www.poste.it](https://www.media.poste.it/bancoposta/pdf/trasparenza/DI_PBPF_Findomestic.pdf)
- [Source 3 · www.poste.it](https://www.media.poste.it/bancoposta/pdf/trasparenza/DI_PBPF_SANTANDER.pdf)

## Similar offers

- **BancoPosta** · [Prestito Flessibile](https://123offerte.it/en/banking/personal-loans/bancoposta/prestito-flessibile-id-3051f775b7cd3ec7)

  APR (TAEG)

  **12.66%**
- **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-maxi-id-30b68dd681627f0b (accessed 2026-11-01)

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