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

[Credem](https://123offerte.it/en/banking/providers/credem)

# Prestito Online

APR (TAEG)

**8.12%**

### **Who can apply**

**All of these conditions**

- Residents of Italy.
- Aged 18 or over
- Employees (permanent or fixed-term contracts ending after the loan maturity date), pensioners, self-employed or seasonal workers.
- For new consumer customers (people not on record with Credem or Credem Euromobiliare Private Banking, or whose last Credem relationship ended more than 18 months ago, whose Credem Euromobiliare Private Banking relationship ended more than 10 years ago, or whose registration for other reasons took place more than 6 months ago).

### **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.

#### **Prestito Online**

For new consumer customers applying through a digital channel.

- **Amount**: €2,000–€15,000
- **Term**: up to 120 months
- **Annual interest rate (TAN)**: Not available
- **APR range (TAEG)**: Not available

Lender: Avvera S.p.A.

- **Origination fee**: Free
- **Installment collection**: €1.00 / month
- **Statement delivery**: €0.75 / year
- **Statement stamp duty**: €2.00 / year
- **Early repayment**: 1% If more than one year remains on the agreement · 0.5% If one year or less remains on the agreement · Free No compensation is due if the early repayment is made in execution of an insurance contract, in a period when a predetermined fixed rate does not apply, if the refunded amount is equal to or less than €10,000, or if the Customer has exercised one of the Change or Skip Installment options.
- **Contract stamp duty**: €16.00 Charged on the first installment
- **Registration tax**: —
- **Substitute tax**: —

#### **Representative examples**

Published lender examples; these are not personal quotes.

€6,400 · 60 months

Installment €128.64 · APR (TAEG) 8.12 %

Total repayable €7,748.15

Standard representative example

### **Repayment flexibility**

**Skip an installment: Yes**

Skip an instalment option

- **Paid installments before first use:**: 12
- **Minimum months between uses:**: 12
- **Maximum uses:**: — · Skip an instalment option
- **Option fee:**: —

**Reduce an installment: Yes**

Installment Change Option

- **Paid installments before first use:**: 12
- **Minimum months between uses:**: 12
- **Maximum uses:**: 2 · Installment Change Option
- **Option fee:**: —

**Change payment day: —**

**Additional borrowing: —**

Lender: Avvera S.p.A.

Distributor: Credito Emiliano S.p.A. (Credem)

### **Features**

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

#### **Documents and sources**

- [Source 1 · www.credem.it](https://www.credem.it/content/credem/it/privati-e-famiglie/progetti_desideri/prestiti/prestito-online.html)
- [Source 2 · www.credem.it](https://www.credem.it/content/dam/credem/documenti/Trasparenza/servizi-e-prodotti-di-altre-societ%C3%A0/C04110000_ZZZAVVPP.pdf)
- [Source 3 · www.credem.it](https://www.credem.it/content/dam/credem/documenti/Trasparenza/servizi-e-prodotti-di-altre-societ%C3%A0/C04110000_ZZZAVVPPIE.pdf)

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Source: 123offerte.it — https://123offerte.it/en/banking/personal-loans/credem/prestito-online-id-1d5115ece77c53aa (accessed 2026-11-01)

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