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UniCredit

Prestito UniCredit

APR (TAEG)

8.84–11.04%

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.

Prestito UniCredit - Liquidità Generica

For amounts from €3,001 to €75,000 and terms from 36 to 84 months

Amount
€3,001–€75,000
Term
36–84 months
Annual interest rate (TAN)
8.5–13%
APR range (TAEG)
Not available

Lender: UniCredit S.p.A.

Origination fee
2% · max. €750
Installment collection
—
Statement delivery
€0.60 / year
Statement stamp duty
€2.00 / year
Early repayment

1%

If more than one year remains on the agreement

0.5%

If one year or less remains on the agreement

Contract stamp duty

€16.00

Waived when serviced through a UniCredit current account

Registration tax
—
Substitute tax
—
Cost conditions
The compensation for early repayment is not due if the repayment is made in execution of an insurance contract or if the amount corresponds to the entire residual debt and is equal to or less than €10,000.00.
Representative examples

Published lender examples; these are not personal quotes.

€8,000 · 60 months

Installment €171.38 · APR (TAEG) 11.04%

Total repayable €10,311.80

Representative example for general cash-flow needs

Prestito UniCredit - Finalità Green

For green projects covered by ESG regulations

Amount
€3,001–€75,000
Term
36–84 months
Annual interest rate (TAN)
7.5–11%
APR range (TAEG)
Not available

Lender: UniCredit S.p.A.

Origination fee
2% · max. €750
Installment collection
—
Statement delivery
€0.60 / year
Statement stamp duty
€2.00 / year
Early repayment
—
Contract stamp duty

€16.00

Waived when serviced through a UniCredit current account

Registration tax
—
Substitute tax
—
Cost conditions
A discount on the APR equal to 2,00 percentage points is provided upon presentation of documentation certifying the implementation of green interventions.
Representative examples

Published lender examples; these are not personal quotes.

€8,000 · 60 months

Installment €163.51 · APR (TAEG) 8.84%

Total repayable €9,839.60

Representative example for an environmental purpose with a two-percentage-point discount on the nominal rate

Prestito UniCredit - Estinzione Altri Prestiti

To repay other loans and obtain additional cash, for amounts from €3,001 to €75,000

Amount
€3,001–€75,000
Term
36–120 months
Annual interest rate (TAN)
8.5–13%
APR range (TAEG)
Not available

Lender: UniCredit S.p.A.

Origination fee
2% · max. €750
Installment collection
—
Statement delivery
€0.60 / year
Statement stamp duty
€2.00 / year
Early repayment
—
Contract stamp duty

€16.00

Waived when serviced through a UniCredit current account

Registration tax
—
Substitute tax
—
Cost conditions
A minimum additional liquidity request of €1,000 is required in addition to the amount necessary to extinguish existing loans.

Prestito UniCredit - Ristrutturazione Immobile

For property renovation, for amounts from €3,001 to €100,000

Amount
€3,001–€100,000
Term
36–120 months
Annual interest rate (TAN)
8.5–13%
APR range (TAEG)
Not available

Lender: UniCredit S.p.A.

Origination fee
2% · max. €750
Installment collection
—
Statement delivery
€0.60 / year
Statement stamp duty
€2.00 / year
Early repayment
—
Contract stamp duty

€16.00

Waived when serviced through a UniCredit current account

Registration tax
—
Substitute tax
—
Cost conditions
Amounts exceeding €75,000 are only allowed for property renovation purposes and only for requests made at a branch, through off-site sales representatives, or customer service.

Who can apply

All of these conditions

  • At least 18 years old and no older than 80 when the loan matures.

Repayment flexibility

Skip an installment: Yes

Applies to loans from €3,001.00 to €30,000.00 with terms from 36 to 84 months

Paid installments before first use:
9
Minimum months between uses:
6
Maximum uses:
1 · Applies to loans from €3,001.00 to €30,000.00 with terms from 36 to 84 months
Option fee:
Free

Reduce an installment: Yes

Applies to loans from €3,001.00 to €30,000.00 with terms from 36 to 84 months

Paid installments before first use:
9
Minimum months between uses:
—
Maximum uses:
— · Applies to loans from €3,001.00 to €30,000.00 with terms from 36 to 84 months
Option fee:
€10.00

Change payment day: —

Additional borrowing: Yes

Loan Recharge Option applicable to loans ranging from 3.001,00 to 30.000,00 Euros and durations from 36 to 84 months

Paid installments before first use:
12
Minimum months between uses:
—
Maximum uses:
3 · Loan Recharge Option applicable to loans ranging from 3.001,00 to 30.000,00 Euros and durations from 36 to 84 months
Option fee:
€10.00

Lender: UniCredit S.p.A.

Features

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

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