Prestito Personale isyPrestito
APR (TAEG)
12.3–13.11%
Who can apply
General customer eligibility requirements.
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.
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)
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
- —