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> Index of every page on this site: [llms.txt](https://123offerte.it/llms.txt)

[BPER Banca](https://123offerte.it/en/banking/providers/bper-banca)

# Prestito Smart/Smart+

APR (TAEG)

**—**

### **Who can apply**

**All of these conditions**

- Aged 18 to 78 when the loan matures
- Existing BPER Group customers with a current account open for at least 4 months and who have had their pension/salary credited to the current account for at least 3 consecutive months.
- Resident in Italy for at least 2 years

### **General offer terms**

**Costs not documented**

Not available

### **Repayment flexibility**

**Skip an installment: Yes**

Skip an instalment option

- **Paid installments before first use:**: —
- **Minimum months between uses:**: —
- **Maximum uses:**: — · Skip an instalment option
- **Option fee:**: —

**Reduce an installment: Yes**

Installment change option

- **Paid installments before first use:**: —
- **Minimum months between uses:**: —
- **Maximum uses:**: — · Installment change option
- **Option fee:**: —

**Change payment day: —**

**Additional borrowing: —**

#### **Other financial terms**

**Other financial terms**

Payable amount: Free

Standard and promotional

**Any of these conditions**

- Online request via the BPER app or with the support of Online Consultants

Lender: Bibanca

Distributor: BPER Banca

### **Features**

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

#### **Documents and sources**

- [Source 1 · www.bper.it](https://www.bper.it/privati/prestiti)
- [Source 2 · www.bper.it](https://www.bper.it/privati/prestiti/prestiti-personali-bper)

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Source: 123offerte.it — https://123offerte.it/en/banking/personal-loans/bper-banca/bper-prestito-smart-id-27eec446f7c2220f (accessed 2026-11-01)

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