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Intesa Sanpaolo

XME Prestito

APR (TAEG)

9.05–12.63%

Who can apply

The loan is for employees, workers on non-standard contracts, self-employed people and pensioners resident in Italy, aged 18 to under 80 at maturity, who hold a current account and a My Key contract.

All of these conditions

  • Employees, including those on fixed-term contracts, workers on non-standard contracts, self-employed professionals and pensioners. The loan is also for consumers who own a sole proprietorship without a credit facility.

  • Residents of Italy.

  • You must be aged 18 to under 80 when the loan matures.

  • You must hold an account with a bank in the Intesa Sanpaolo Group (excluding holders of a basic account for socially disadvantaged groups) or with any other bank/BancoPosta.

  • You must hold a My Key contract.

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.

Condizione standard

Standard fees and rates

Amount
2.000 €–75.000 €
Term
24–120 months
Annual interest rate (TAN)
10.9%
APR range (TAEG)
Not available

Lender: Intesa Sanpaolo S.p.A.

Origination fee
240 € + 2% · min. 100 € · max. 750 €
Installment collection
2,00 € / month
Statement delivery
Free / year
Statement stamp duty
—
Early repayment

1%

For early repayment if more than one year remains on the loan

0.5%

For early repayment if one year or less remains on the loan

Contract stamp duty

30,00 €

Stamp duty / substitute tax withheld at disbursement

Registration tax
—
Substitute tax

0.25%

Substitute tax on financing under Presidential Decree No. 601/73

Cost conditions
Maximum values provided by the Bank.
Representative examples

Published lender examples; these are not personal quotes.

11.730 € · 84 months

Installment 204,84 € · APR (TAEG) 12.63%

Total repayable 17.428,98 €

For loans serviced through another bank / BancoPosta current account

11.760 € · 84 months

Installment 204,84 € · APR (TAEG) 12.53%

Total repayable 17.428,98 €

For loans serviced through an Intesa Sanpaolo current account

Offerta online sito o app

Application started on the website or app

Amount
2.000 €–75.000 €
Term
24–120 months
Annual interest rate (TAN)
7.6%
APR range (TAEG)
Not available

Lender: Intesa Sanpaolo S.p.A.

Origination fee
200 €
Installment collection
2,00 € / month
Statement delivery
—
Statement stamp duty
—
Early repayment
—
Contract stamp duty
—
Registration tax
—
Substitute tax

25,00 €

Substitute tax collected at disbursement

Representative examples

Published lender examples; these are not personal quotes.

10.000 € · 84 months

Installment 153,88 € · APR (TAEG) 9.05%

Total repayable 13.150,51 €

Apply for 10.000 € over 84 months through the website or app

Repayment flexibility

Skip an installment: Yes

Defer an instalment payment

Paid installments before first use:
12
Minimum months between uses:
6
Maximum uses:
— · Defer an instalment payment
Option fee:
Free

Reduce an installment: Yes

Installment change option to lengthen or shorten the duration and modify the installment amount

Paid installments before first use:
12
Minimum months between uses:
1
Maximum uses:
— · Installment change option to lengthen or shorten the duration and modify the installment amount
Option fee:
Free

Change payment day: Yes

Change of installment due date between the 2 and the 27 of each month

Paid installments before first use:
1
Minimum months between uses:
—
Maximum uses:
3 · Change of installment due date between the 2 and the 27 of each month
Option fee:
Free

Additional borrowing: —

Lender: Intesa Sanpaolo S.p.A.

Features

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

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