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

[Intesa Sanpaolo](https://123offerte.it/en/banking/providers/intesa-sanpaolo)

# per Esempio

APR (TAEG)

Rate not available

### **General offer terms**

**Costs not documented**

Not available

### **Who can apply**

Personal loan for consumers aged 18 to 30 who are resident in Italy, completed their Universal Civil Service (SCU) no more than 12 months ago, and have an employment contract (including fixed-term) or work for a social cooperative.

#### **Full conditions**

**All of these conditions**

- Consumers aged 18 to 30.
- Residents of Italy.
- Consumers who completed Universal Civil Service (SCU) no more than 12 months ago, applied to SCU calls, passed the selecting organization’s assessment, received a certified skills assessment and signed an employment contract (including fixed-term) or a contract with a social cooperative.

### **Repayment flexibility**

**Skip an installment: Yes**

Suspension of the payment of the principal portion of the installments up to a maximum of 3 times, for a maximum duration of 12 months each. For requests after the first, an interval of at least 12 paid installments is required.

- **Paid installments before first use:**: —
- **Minimum months between uses:**: 12
- **Maximum uses:**: 3 · Suspension of the payment of the principal portion of the installments up to a maximum of 3 times, for a maximum duration of 12 months each. For requests after the first, an interval of at least 12 paid installments is required.
- **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**: —
- **Skip an installment**: Yes
- **Joint borrower**: —
- **Guarantor accepted**: —
- **Education**: —
- **Home**: —
- **Mobility**: —
- **Health**: —
- **Family**: —
- **Sustainability**: —
- **Starting a career**: Yes

#### **Documents and sources**

- [Source 1 · www.intesasanpaolo.com](https://www.intesasanpaolo.com/content/dam/vetrina/trasparenza/it/Documenti/Doc/Pdf/FI/FI-Other/FI-1343.pdf)
- [Source 2 · www.intesasanpaolo.com](https://www.intesasanpaolo.com/content/dam/vetrina/trasparenza/it/Documenti/Doc/Pdf/Other/Dichiarazione%20valutazione%20d'impatto%20sociale.pdf)
- [Source 3 · www.intesasanpaolo.com](https://www.intesasanpaolo.com/it/persone-e-famiglie/prodotti/prestiti/prestito-servizio-civile.html)

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Source: 123offerte.it — https://123offerte.it/en/banking/personal-loans/intesa-sanpaolo/intesa-prestito-servizio-civile (accessed 2026-11-02)

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