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

[Banca Widiba](https://123offerte.it/en/banking/providers/widiba)

# 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**: —

#### **Documents and sources**

- [Source 1 · www.widiba.it](https://www.widiba.it/banca-online/prodotti-e-servizi-bancari/mutui-e-prestiti/prestiti-personali)
- [Source 2 · www.widiba.it](https://www.widiba.it/banca/pb_nw/pdfDocumentTemplate.action?print=true&struts.token.name=null&null=null&sezId=home&pageId=home&template=PRESTITI_SELF_SCHEDA_PRODOTTO)
- [Source 3 · www.widiba.it](https://www.widiba.it/banca/pb_nw/pdfDocumentTemplate.action?print=true&struts.token.name=null&sezId=trasparenza&pageId=trasparenza&template=FOGLI_INFORMATIVI_GUIDE_TERZI_CONTRATTO_PRESTITO_PERSONALE_SELF)

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Source: 123offerte.it — https://123offerte.it/en/banking/personal-loans/widiba/prestito-personale-id-2d7b609463f88a2c (accessed 2026-11-01)

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