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Loans

Personal loans

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

Attention! Borrowing money costs money.

neobanksemea is not a lender, credit broker or credit agent. We do not collect loan applications and do not give advice. The lender decides whether to offer you credit and on what terms.

Some links in this section are affiliate links. If you submit a loan request through them, the lender may pay neobanksemea a commission, whether or not you take the loan. This does not change the terms you are offered. Our order is editorial and never paid.

We have no verified lenders for Spain yet. We are reviewing lenders there and will add them once their terms are checked.

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)