Prestito Personale Flessibile Widiba
APR (TAEG)
10.97%
Who can apply
Minimum age, residence, income and citizenship requirements set by Findomestic for the personal loan.
All of these conditions
You must be aged 18 to 75 (the age limit applies at the end of the financing). Customers over 70 are assessed based on their family circumstances and the purpose/amount of the loan.
Residents of Italy.
You must have verifiable income from employment or a pension. People whose only income is a disability pension or income from property are not eligible for financing.
Non-Italian citizens must hold a document confirming lawful residence and have been employed for at least 12 months.
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 Personale Flessibile Standard
Loan paid directly to the customer and repaid in monthly instalments for personal needs.
- Amount
- 1.000 €–40.000 €
- Term
- 12–120 months
- Annual interest rate (TAN)
- Not available
- APR range (TAEG)
- Not available
Lender: Findomestic Banca S.p.A.
- Origination fee
- Free
- Installment collection
- Free / month
- Statement delivery
- Free
- Statement stamp duty
- —
- Early repayment
Free
Free full or partial early repayment, with no compensation
- Contract stamp duty
Free
Stamp duty or substitute tax on the contract borne by Findomestic
- Registration tax
- —
- Substitute tax
Free
Substitute tax borne by Findomestic
- Cost conditions
- Waiver of all ancillary costs borne by the customer (processing fees, installment collection fees, periodic communications, stamp duty or substitute tax, and early termination).
Representative examples
Published lender examples; these are not personal quotes.
10.000 € · 84 months
Installment 168,40 € · APR (TAEG) 10.97%
Representative example for total credit of 10.000 € repayable in 84 instalments
Repayment flexibility
Skip an installment: Yes
Skip Installment Option: postpone the payment of an installment once a year, up to a maximum of 10 times.
- Paid installments before first use:
- 6
- Minimum months between uses:
- 12
- Maximum uses:
- 10 · Skip Installment Option: postpone the payment of an installment once a year, up to a maximum of 10 times.
- Option fee:
- Free
Reduce an installment: Yes
Installment Change Option: modify the base installment amount by choosing an amount between the low installment and the high installment.
- Paid installments before first use:
- 6
- Minimum months between uses:
- 1
- Maximum uses:
- — · Installment Change Option: modify the base installment amount by choosing an amount between the low installment and the high installment.
- Option fee:
- Free
Change payment day: Yes
Possibility to choose the installment due date on the 5 or 20 of each month.
- Paid installments before first use:
- —
- Minimum months between uses:
- —
- Maximum uses:
- — · Possibility to choose the installment due date on the 5 or 20 of each month.
- Option fee:
- —
Additional borrowing: Yes
Possibility to request a new loan and add its amount to the remaining balance to pay off ongoing loans with a single installment.
- Paid installments before first use:
- —
- Minimum months between uses:
- —
- Maximum uses:
- — · Possibility to request a new loan and add its amount to the remaining balance to pay off ongoing loans with a single installment.
- Option fee:
- —
Lender: Findomestic Banca S.p.A.
Distributor: Banca Widiba
Features
- Fixed rate available
- Yes
- Variable rate available
- No
- Debt consolidation
- Yes
- Skip an installment
- Yes
- Joint borrower
- —
- Guarantor accepted
- Yes
- Education
- —
- Home
- —
- Mobility
- —
- Health
- —
- Family
- —
- Sustainability
- —
- Starting a career
- —