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Intesa Sanpaolo

per Merito

APR (TAEG)

2.5–3.14%

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 "per Merito" (Atenei / Enti Garanti)

Universities / guaranteeing institutions

Amount
€2,000–€50,000
Term
up to 360 months
Annual interest rate (TAN)
2.5%
APR range (TAEG)
Not available

Lender: Intesa Sanpaolo S.p.A.

Linked account: Merit Account

Origination fee
Free
Installment collection
Free / month
Statement delivery
Free / year
Statement stamp duty
—
Early repayment

Free

Early repayment

Contract stamp duty
—
Registration tax
—
Substitute tax
—
Representative examples

Published lender examples; these are not personal quotes.

€15,000 · 60 months

Installment — · APR (TAEG) 2.5%

Total repayable €16,031.25

APC – credit facility

€15,000 · 96 months

Installment €176.63 · APR (TAEG) 3.14%

Total repayable €16,994.27

Personal loan

Prodotto "per Merito" (Atenei / Enti Non Garanti)

Universities / non-guaranteeing institutions

Amount
€500–€75,000
Term
6–360 months
Annual interest rate (TAN)
2.5%
APR range (TAEG)
Not available

Lender: Intesa Sanpaolo S.p.A.

Linked account: Merit Account

Origination fee
Free
Installment collection
Free / month
Statement delivery
Free / year
Statement stamp duty
—
Early repayment

Free

Early repayment

Contract stamp duty
—
Registration tax
—
Substitute tax
—
Representative examples

Published lender examples; these are not personal quotes.

€15,000 · 60 months

Installment — · APR (TAEG) 2.5%

Total repayable €16,500

APC – credit facility

€15,000 · 96 months

Installment €176.63 · APR (TAEG) 3.14%

Total repayable €16,995.54

Personal loan

Who can apply

All of these conditions

  • You must be at least 18 and no older than 45 when applying.

  • Resident in Italy for at least 4 years.

  • Students enrolled at universities or training institutions, in good standing with their course and meeting the applicable entry requirements.

Repayment flexibility

Skip an installment: Yes

Suspension of the payment of the principal portion of the installments

Paid installments before first use:
12
Minimum months between uses:
12
Maximum uses:
3 · Suspension of the payment of the principal portion of the installments
Option fee:
—

Reduce an installment: —

Change payment day: —

Additional borrowing: —

Lender: Intesa Sanpaolo S.p.A.

Features

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

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