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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 Merito

APR (TAEG)

**2.5–3.14%**

### **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.

### **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

### **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**

- [Source 1 · www.intesasanpaolo.com](https://www.intesasanpaolo.com/content/dam/vetrina/trasparenza/it/Documenti/Doc/Pdf/FI/FI-Other/FI-1429.pdf)
- [Source 2 · www.intesasanpaolo.com](https://www.intesasanpaolo.com/content/dam/vetrina/trasparenza/it/Documenti/Doc/Pdf/FI/FI-Other/FI-1476.pdf)
- [Source 3 · www.intesasanpaolo.com](https://www.intesasanpaolo.com/content/dam/vetrina/trasparenza/it/Documenti/Doc/Pdf/Other/Dichiarazione%20valutazione%20d'impatto%20sociale.pdf)
- [Source 4 · www.intesasanpaolo.com](https://www.intesasanpaolo.com/it/persone-e-famiglie/prodotti/prestiti/prestito-onore-per-merito.html)

## Similar offers

- **Intesa Sanpaolo** · [Finanziamento “per avere Cura”](https://123offerte.it/en/banking/personal-loans/intesa-sanpaolo/intesa-finanziamenti-per-persone-disabili-id-63c56c8bea9d0798)

  APR (TAEG)

  **2.5%**
- **Intesa Sanpaolo** · [Obiettivo Pensione](https://123offerte.it/en/banking/personal-loans/intesa-sanpaolo/intesa-prestito-disoccupati-obiettivo-pensione-id-994d3ed3a57d60cf)

  APR (TAEG)

  **2.5%**
- **Intesa Sanpaolo** · [Finanziamento Mamma@work](https://123offerte.it/en/banking/personal-loans/intesa-sanpaolo/intesa-prestito-mamme-id-0c86cd84f9e52eda)

  APR (TAEG)

  **2.5%**
- **Intesa Sanpaolo** · [per Esempio](https://123offerte.it/en/banking/personal-loans/intesa-sanpaolo/intesa-prestito-servizio-civile-id-1b9f5661b397b461)

  APR (TAEG)

  **—**
- **Intesa Sanpaolo** · [XME Prestito](https://123offerte.it/en/banking/personal-loans/intesa-sanpaolo/intesa-xme-prestito-id-5ceb7532eb0d169d)

  APR (TAEG)

  **9.05%**
- **Intesa Sanpaolo** · [PerTe Prestito Exclusive](https://123offerte.it/en/banking/personal-loans/intesa-sanpaolo/intesa-perte-prestito-exclusive-id-bcefbac8cdbe9062)

  APR (TAEG)

  **14.4%**

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Source: 123offerte.it — https://123offerte.it/en/banking/personal-loans/intesa-sanpaolo/intesa-prestito-onore-per-merito-id-719dd70b594a4f95 (accessed 2026-11-01)

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