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title: "XME Prestito – Intesa Sanpaolo | 123offerte"
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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)

# 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**

- [Source 1 · www.intesasanpaolo.com](https://www.intesasanpaolo.com/content/dam/vetrina/trasparenza/it/Documenti/Doc/Pdf/FI/FI-Other/FI-1558.pdf)
- [Source 2 · www.intesasanpaolo.com](https://www.intesasanpaolo.com/it/persone-e-famiglie/prodotti/prestiti/xme-prestito.html)

## Similar offers

- **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** · [per Merito](https://123offerte.it/en/banking/personal-loans/intesa-sanpaolo/intesa-prestito-onore-per-merito-id-719dd70b594a4f95)

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

  APR (TAEG)

  **14.4%**
- **Intesa Sanpaolo** · [per Esempio](https://123offerte.it/en/banking/personal-loans/intesa-sanpaolo/intesa-prestito-servizio-civile-id-1b9f5661b397b461)

  APR (TAEG)

  **—**

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Source: 123offerte.it — https://123offerte.it/en/banking/personal-loans/intesa-sanpaolo/intesa-xme-prestito-id-5ceb7532eb0d169d (accessed 2026-11-01)

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