Skip to content
isybank

Prestito Personale isyPrestito

APR (TAEG)

12.3–13.11%

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.

isyPrestito - Under 35 anni

Customers aged 18 to 34 on the loan application date

Amount
€2,000–€75,000
Term
24–120 months
Annual interest rate (TAN)
10.9%
APR range (TAEG)
Not available

Lender: Isybank S.p.A.

Linked account: Bank or postal current account and remote banking service

Origination fee
Free
Installment collection
€2.00 / month
Statement delivery
Free / month
Statement stamp duty
—
Early repayment

1%

If more than one year remains on the loan

0.5%

If one year or less remains on the loan

Contract stamp duty
—
Registration tax
—
Substitute tax

€15.00 + 0.25%

For loans serviced through another bank / BancoPosta current account

Cost conditions
Zero processing fees for customers under 35 years old.

All of these conditions

  • Aged 18 to 34 on the application date

Representative examples

Published lender examples; these are not personal quotes.

€5,985 · 60 months

Installment €130.16 · APR (TAEG) 12.3%

Total repayable €7,978.30

Standard example – serviced through another bank or BancoPosta account (60-month term, €6,000.00 loan amount)

€6,000 · 60 months

Installment €130.16 · APR (TAEG) 12.89%

Total repayable €7,978.30

Standard example – serviced through an Isybank account (60-month term, €6,000.00 loan amount)

isyPrestito - Da 35 a 80 anni

Customers aged 35 to 79 when the loan matures

Amount
€2,000–€75,000
Term
24–120 months
Annual interest rate (TAN)
10.9%
APR range (TAEG)
Not available

Lender: Isybank S.p.A.

Linked account: Bank or postal current account and remote banking service

Origination fee
€100 + 1.5% · min. €100 · max. €750
Installment collection
€2.00 / month
Statement delivery
Free / month
Statement stamp duty
—
Early repayment

1%

If more than one year remains on the loan

0.5%

If one year or less remains on the loan

Contract stamp duty
—
Registration tax
—
Substitute tax

€15.00 + 0.25%

For loans serviced through another bank / BancoPosta current account

Cost conditions
Processing fees equal to 1,50% of the financed amount (minimum €100, maximum €750).

All of these conditions

  • Aged 35 to 79 when the loan matures

Representative examples

Published lender examples; these are not personal quotes.

€5,885 · 60 months

Installment €130.16 · APR (TAEG) 13.11%

Total repayable €7,978.30

Standard example – serviced through another bank or BancoPosta account (60-month term, €6,000.00 loan amount)

€5,900 · 60 months

Installment €130.16 · APR (TAEG) 12.98%

Total repayable €7,978.30

Standard example – serviced through an Isybank account (60-month term, €6,000.00 loan amount)

Who can apply

General customer eligibility requirements.

Full conditions

All of these conditions

  • Employees (including on fixed-term contracts), workers on non-standard contracts, self-employed professionals, pensioners and 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 another bank/BancoPosta, and hold the Remote Banking Service.

Repayment flexibility

Skip an installment: Yes

Flexibility options - Installment postponement

Paid installments before first use:
—
Minimum months between uses:
—
Maximum uses:
— · Flexibility options - Installment postponement
Option fee:
Free

Reduce an installment: Yes

Flexibility options - Installment change

Paid installments before first use:
—
Minimum months between uses:
—
Maximum uses:
— · Flexibility options - Installment change
Option fee:
Free

Change payment day: Yes

Flexibility options - Installment due date change

Paid installments before first use:
—
Minimum months between uses:
—
Maximum uses:
— · Flexibility options - Installment due date change
Option fee:
Free

Additional borrowing: —

Lender: Isybank S.p.A.

Features

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

Similar offers