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title: "Prestito Personale smart Agos online – Crédit Agricole Italia | 123offerte"
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> Index of every page on this site: [llms.txt](https://123offerte.it/llms.txt)

[Crédit Agricole Italia](https://123offerte.it/en/banking/providers/credit-agricole)

# Prestito Personale smart Agos online

APR (TAEG)

**—**

### **General offer terms**

**Costs not documented**

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 Personale Flessibile Agos**

Flexible personal loan provided by Agos Ducato S.p.A. and distributed by Crédit Agricole Italia.

- **Amount**: Not available
- **Term**: up to 180 months
- **Annual interest rate (TAN)**: Not available
- **APR range (TAEG)**: Not available

Lender: Agos Ducato S.p.A.

- **Origination fee**: —
- **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**: —
- **Cost conditions**: Postal or telephone reminder fees: €15.49 for each intervention; home interventions: €50.00 for €500.00 or fraction; unpaid SDD re-presentation fee: €5.16; default formal notice fee: €12.91; fee for forfeiture of the benefit of the term: €20.66.

### **Repayment flexibility**

**Skip an installment: Yes**

Postponement of installment repayment: exercisable once for each year of validity, for a maximum of 3 times for amounts up to €30,000.00 and 5 times for amounts over €30,000.00, with a notice of at least 15 days.

- **Paid installments before first use:**: 3
- **Minimum months between uses:**: —
- **Maximum uses:**: 5 · Postponement of installment repayment: exercisable once for each year of validity, for a maximum of 3 times for amounts up to €30,000.00 and 5 times for amounts over €30,000.00, with a notice of at least 15 days.
- **Option fee:**: —

**Reduce an installment: Yes**

Modification of the installment amount: exercisable once for each year of validity, for a maximum of 3 times for amounts up to €30,000.00 and 5 times for amounts exceeding €30,000.00, with at least 40 days' notice.

- **Paid installments before first use:**: 3
- **Minimum months between uses:**: —
- **Maximum uses:**: 5 · Modification of the installment amount: exercisable once for each year of validity, for a maximum of 3 times for amounts up to €30,000.00 and 5 times for amounts exceeding €30,000.00, with at least 40 days' notice.
- **Option fee:**: —

**Change payment day: Yes**

Change of the installment payment due date: starting from the 4th installment, once for each year of validity and for a maximum of 3 times during the course of the loan, with at least 25 days notice.

- **Paid installments before first use:**: 3
- **Minimum months between uses:**: 3
- **Maximum uses:**: 3 · Change of the installment payment due date: starting from the 4th installment, once for each year of validity and for a maximum of 3 times during the course of the loan, with at least 25 days notice.
- **Option fee:**: —

**Additional borrowing: —**

Lender: Agos Ducato S.p.A.

Distributor: Crédit Agricole Italia

### **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 · doc.agosducato.it](https://doc.agosducato.it/documenti/PP_Cr%C3%A9dit_Agricole_Italia.pdf)
- [Source 2 · doc.agosducato.it](https://doc.agosducato.it/documenti/infoEuropeeClassicoGruppoCariparma_distanza.pdf)
- [Source 3 · www.agoscorporate.it](https://www.agoscorporate.it/trasparenza-gruppo-credit-agricole-italia.aspx)
- [Source 4 · www.credit-agricole.it](https://www.credit-agricole.it/privati/prestiti-e-finanziamenti/prestito-smart)

## Similar offers

- **Crédit Agricole Italia** · [Prestito Personale Flessibile Agos](https://123offerte.it/en/banking/personal-loans/credit-agricole/credit-agricole-prestito-flessibile-id-c6d741188b444ea5)

  APR (TAEG)

  **—**
- **Crédit Agricole Italia** · [Prestito Agos per Transizione Energetica](https://123offerte.it/en/banking/personal-loans/credit-agricole/credit-agricole-prestito-progetti-sostenibili-id-7ba37a47b6cca679)

  APR (TAEG)

  **—**
- **Crédit Agricole Italia** · [Prestito Crédit Agricole Progetto Casa](https://123offerte.it/en/banking/personal-loans/credit-agricole/credit-agricole-prestito-progetto-casa-id-b61558ef803ecd70)

  APR (TAEG)

  **10.69%**
- **Crédit Agricole Italia** · [Prestito Personale Assicuro](https://123offerte.it/en/banking/personal-loans/credit-agricole/credit-agricole-prestito-personale-assicuro-id-a112b12ea1f1dcc8)

  APR (TAEG)

  **13.28%**
- **Crédit Agricole Italia** · [Prestito Crédit Agricole](https://123offerte.it/en/banking/personal-loans/credit-agricole/credit-agricole-prestito-credit-agricole-id-4682b0d189125ab3)

  APR (TAEG)

  **11.83%**

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Source: 123offerte.it — https://123offerte.it/en/banking/personal-loans/credit-agricole/credit-agricole-prestito-smart-id-654c7d62f6cf2542 (accessed 2026-11-01)

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