Personal loans

Personal loans from licensed lenders, with each lender's representative example, APR range, amounts and terms.

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Personal loans and consolidation

Younited

Personal loan

Italy

Fixed rate and fixed monthly instalment
Application online, final answer within 24 hours of receiving your documents (lender's estimate)
For residents of Italy aged 18 to 80 with provable income

Amount: €1,000 to €60,000
Term: 6 to 96 months
APR: From 6.99% (example for the strongest credit profiles)

Representative example

Example: total credit €10,000 repaid in 96 monthly instalments of €135.22. Fixed APR (TAEG) 6.99%, fixed nominal rate (TAN) 6.78%. No ancillary costs. Total amount payable €12,981.12. This example applies only to customers with the strongest credit profiles; Younited makes other customers a tailored offer after assessing their application. Applications are subject to Younited's approval. Before you sign, read the standard European consumer credit information (SECCI) on the lender's website.

Lender: Younited SA, Italian branch: Via Sardegna 40, 00187 Rome (VAT 13722821009). Listed in the Bank of Italy register of banks (no. 8054); supervised in France by the ACPR. Checked on 28 October 2026 on the lender's website (Source).

Cofidis

Personal loan

Italy

Fixed rate (TAN) in both of the lender's examples
No arrangement or collection fees in the example; €12.50 substitute tax
Request, documents and contract signature online

Amount: €3,000 to €15,000
Term: Example: 60 months
APR: 6.50% to 14.90%

Representative example

Representative example: total credit €5,000 repaid over 60 months in monthly instalments of €97.15, fixed nominal rate (TAN) 6.208%, APR (TAEG) 6.50%. Arrangement fee €0, collection fee €0, periodic statement fee €0, substitute tax on the contract €12.50. Total amount payable €5,841.50. Example at the maximum APR of 14.90%: €5,000 over 60 months, instalments of €115.97, fixed TAN 13.856%, total amount payable €6,970.70. Offer valid until 14 January 2027; terms subject to approval by Cofidis S.A. and an assessment of your finances. Read the standard European consumer credit information (SECCI) on cofidis.it.

Lender: Cofidis S.A., Italian branch: Via G. Antonio Amadeo 59, 20134 Milan (VAT 12548990964). Part of the Crédit Mutuel Alliance Fédérale group. Checked on 30 October 2026 on the lender's website (Source).

Bank of Scotland

Instalment loan

Germany

For private purposes (not for property finance)
Fixed borrowing rate for the whole term

Amount: €3,000 to €50,000
Term: 24 to 84 months
APR: 5.52% to 6.99%

Representative example

Representative example: net loan amount €23,000, term 74 months, fixed borrowing rate 6.68% a year, APR 6.89%, monthly instalment €380.06, total amount payable €28,124.62. At least two thirds of customers receive these terms. Lender: Lloyds Bank GmbH (trading as "Bank of Scotland"), Karl-Liebknecht-Str. 5, 10178 Berlin, Germany.

Lender: Lloyds Bank GmbH (trading as "Bank of Scotland"), Karl-Liebknecht-Str. 5, 10178 Berlin, Germany. Checked on 5 November 2026 on the lender's website (Source).

TARGOBANK

Online loan (instalment loan)

Germany

For any purpose; credit rating required
Free special repayments of up to 50% of the current balance every 12 months (lender's terms)
One instalment can be skipped every 12 months (lender's terms)

Amount: €1,500 to €80,000
Term: 12 to 96 instalments
APR: 3.49% to 10.99% (depends on credit rating)

Representative example

Two-thirds example: net loan amount €15,000, total amount payable €18,377.70, monthly instalments of €255.20, 72 instalments, term 73 months, fixed borrowing rate 6.74%, APR 6.95%. TARGOBANK AG, Kasernenstraße 10, 40213 Düsseldorf, Germany.

Lender: TARGOBANK AG, Kasernenstraße 10, 40213 Düsseldorf, Germany. Checked on 5 November 2026 on the lender's website (Source).

smava

Loan comparison (loan broker, not a lender)

Germany

Compares instalment loans from participating banks and loan brokers in one request
smava arranges the loan: the lending bank makes the decision and grants the credit

Amount: €1,000 to €150,000
Term: 6 to 120 months
APR: -0.40% to 19.90% (range across the banks and brokers on smava)

Representative example

Two thirds of customers receive: net loan amount €50,000.00, term 60 months, APR 8.70%, fixed borrowing rate 8.37% a year, 60 monthly instalments of €1,022.73, total amount payable €61,363.57. Lender in the example: Vereinigte Volksbank Raiffeisenbank eG, Darmstädter Str. 62, 64354 Reinheim, Germany (Section 17 of the German Price Indication Ordinance, PAngV).

Lender: smava GmbH, Palisadenstraße 90, 10243 Berlin, Germany (Berlin-Charlottenburg local court, HRB 97913). Licensed loan broker under Section 34c(1) no. 2 of the German Trade Regulation Act (GewO); supervised by the Bezirksamt Friedrichshain-Kreuzberg, Berlin. Checked on 4 November 2026 on the lender's website (Source).

Verivox

Loan comparison (loan broker, not a lender)

Germany

Compares instalment loans from partner banks; each bank shows its own representative example (the rate two thirds of its customers receive)
Verivox reports a median APR of 6.21% for loans taken out through it in September 2026
Verivox arranges the loan: the lending bank makes the decision and grants the credit

Amount: Depends on the bank: see the comparison on Verivox
Term: Depends on the bank: see the comparison on Verivox
APR: See each bank's representative example on Verivox

Lender: Verivox GmbH, Max-Jarecki-Straße 21, 69115 Heidelberg, Germany (Mannheim local court, HRB 754408). Licensed loan broker under Section 34c(1) no. 2 of the German Trade Regulation Act (GewO), licence issued by the City of Heidelberg trade office; supervised by IHK Rhein-Neckar. Checked on 5 November 2026 on the lender's website (Source).

FINANZCHECK.de

Loan comparison (loan broker, not a lender)

Germany

Compares instalment loans from partner banks in one request
FINANZCHECK.de arranges the loan: the lending bank makes the decision and grants the credit

Amount: Depends on the bank: see the comparison on FINANZCHECK.de
Term: Depends on the bank: see the comparison on FINANZCHECK.de
APR: Depends on the bank and your credit rating: see the example

Representative example

Example under the German Price Indication Ordinance (PAngV); two thirds of customers receive: net loan amount €30,000.00, term 84 months, APR 8.7%, fixed borrowing rate 8.37% a year, 84 monthly instalments of €473.15, total amount payable €39,744.95. Lender in the example: Vereinigte Volksbank Raiffeisenbank eG, Darmstädter Str. 62, 64354 Reinheim, Germany.

Lender: FFG FINANZCHECK Finanzportale GmbH, Admiralitätstraße 60, 20459 Hamburg, Germany (Hamburg register court, HRB 112143). Licensed loan broker under Section 34c(1) no. 2 of the German Trade Regulation Act (GewO); supervised by the Bezirksamt Hamburg-Mitte. Checked on 5 November 2026 on the lender's website (Source).

Loans repaid from your salary or pension

With a salary or pension assignment loan (cessione del quinto), the instalment is taken straight from your payslip or pension, for up to 10 years. Please read this before you apply:

The instalment can be up to one fifth of your net monthly salary or pension, so your take-home pay falls for the whole term.
The term can be up to 120 months. Paying off early is allowed, but check the costs in the SECCI first.
Life and job-loss insurance is compulsory. Check who pays for it and whether its cost is included in the APR.
For pensioners, INPS sets maximum rates for loans under its convention. Compare the APR you are offered with them.
If you already struggle with repayments, a longer loan can lower the instalment but raise the total cost. Consider free debt advice first.

Younited

Salary or pension assignment loan (cessione del quinto)

Italy

For public and private employees with a permanent contract, and for pensioners
The instalment is taken from your payslip or pension and cannot exceed one fifth of the net amount
Life and job-loss insurance is compulsory by law

Amount: Depends on your net salary or pension
Term: Up to 120 months (legal maximum)
APR: See the lender's representative example

SuperCredito

Request service for INPS pensioner loans (not a lender)

Italy

Online form that passes your request to partner lenders, who contact you
Includes loans under the INPS convention for pensioners
Free to use; no payment may be asked of you before a loan is granted

Amount: Set by the partner lender
Term: Set by the partner lender
APR: Quoted by the partner lender

Lender: SuperCredito is a brand of E-leads s.r.l., Strada Statale Trossi 41, Verrone (BI), VAT IT02668420025. According to its website, E-leads is not a credit agent or broker and does not give advice: it passes your details to partner lenders, who process them as independent data controllers. Checked on 28 October 2026 on the lender's website (Source).

Before you borrow

Borrow only what you need and can repay. Work out the instalment against your monthly budget.
Compare the APR (TAEG), not just the interest rate (TAN): the APR includes most costs.
Read the SECCI (standard European consumer credit information) the lender must give you before you sign.
You have 14 days to withdraw from a consumer credit agreement after signing it.
If you have several debts, a consolidation loan can lower the monthly instalment but often costs more in total.

Free help

For neutral information about consumer credit in Italy, see the Bank of Italy's financial education portal. If you are struggling with debt, ask a consumer association or a debt advice service before taking new credit. Bank of Italy: financial education (in Italian)