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.

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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).

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)