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> Index of every page on this site: [llms.txt](https://123offerte.it/llms.txt)

[isybank](https://123offerte.it/en/banking/providers/isybank)

# 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**: —

#### **Documents and sources**

- [Source 1 · www.isybank.com](https://www.isybank.com/content/dam/isybank/trasparenza/it/Documenti/Doc/Pdf/FI/FI-Other/FI-ISY203.pdf)
- [Source 2 · www.isybank.com](https://www.isybank.com/it/finanziamenti/prestiti/isyprestito.html)

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Source: 123offerte.it — https://123offerte.it/en/banking/personal-loans/isybank/isyprestito-id-f0b6ba809645fd58 (accessed 2026-11-01)

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