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Fineco Loan

Fineco Loan benefits

Personal

Use the loan as you wish without specifying or justifying anything.

Instant

Instant assessment up to €15,000 for pre-assessed customers*, even with app.

100% online

All online with Digital Signature without sending any paper documentation.

E.g. you can get

11,000

Total amount due 11,913.56

and refund in 48 months with instalment of

248.12

at APR 3.95% and EAPR 4.17%

Fixed APR 3.95% - max EAPR 4.37% is reserved to customers whose salaries/pensions are deposited to their Fineco account on ongoing basis. Fixed APR 6.95% - max EAPR 7.53% is addressed to customers holding a Fineco account for less than 12 months. To Private customers is reserved fixed APR 2.95% - max EAPR 3.33%.

Zero preliminary investigation fees and zero collection fees

Making your wishes come true is simple

Calculate the instalment and request from €2,000 to €50,000 directly from your personal area.

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Call us for further information:

800.52.52.52

Call us for further information:

800.92.92.92

Loan consolidation

Do you have multiple loans? Combine them into a new Fineco Loan, of up to €30,000: you will have only one smaller monthly payment and you can add additional liquidity. Request it online with Digital Signature, we will take care of paying off the previous loans.

Learn more

Advertising message for promotional purposes. To view all the terms and conditions for the advertised services, please refer to the information sheet and required under current regulations. All services require the client to open a Fineco current account.

Credit is granted subject to the approval of the Bank, which reserves the right to assess requirements and creditworthiness.

Standards conditions related to each product below are valid for agreements entered in December 2018.

LOAN

Personal loan: Standard interest rate: min APR 3.95% - max APR 6.95%; min EAPR 4.37% - max EAPR 7.53%. Duration of the loan agreement: 12 to 48 months (for loans between 2,000 and 4,000 euros); 12 to 72 months (between 5,000 and 10,000 euros); 12 to 84 months (between 11,000 and 50,000 euros). Example: amount of credit €11,000. Total amount due by customer from MIN 11,913.56 euros to MAX 12,637.17 euros. Substitute tax 27.50 euros; expenses for sending periodic communications: 0.95 euros each. Monthly instalment (including interest calculated with the fixed instalment scheme) between MIN 248.12 euros and MAX 263.15 euros in 48 months.

* The immediate disbursement service is addressed to pre-assessed Fineco customers, i.e. holders of another credit product (e.g. credit card) whose salaries are directly deposited to their Fineco account on an ongoing basis, and who have met certain creditworthiness requirements, determined at the sole discretion of the Bank. Recipients of the service receive notification of the offer directly on the financial simulator present in the private area of their account. Granting of the loan is nevertheless subject to approval by the bank.

In order to be able to apply for the Personal Loan, you must: have been a Fineco account holder for at least 3 months or have direct deposit of your salary/pension, have a current account balance greater than -500 euros, be between 18 and 70 years of age and reside in Italy. For loans with a duration of more than 18 months, the contract envisages substitute tax of 0.25% of the amount lent. The Bank nevertheless reserves the right to assess the creditworthiness and necessary requisites for granting the loan.To view all the terms and conditions for the advertised services, please refer to the advertising information forms.

LOAN CONSOLIDATION:

Standard interest rate: min APR 3.95% - max APR 6.95%; min EAPR 4.37% - max EAPR 7.53%. Duration of the loan agreement: from 12 to 72 months for amounts between 11,000 and 30,000 euros. Example: amount of credit €11,000. Total amount due by customer from MIN 11,913.56 euros to MAX 12,637.17 euros. Substitute tax 27.50 euros; expenses for sending periodic communications: 0.95 euros each. Monthly instalment (including interest calculated with the fixed instalment scheme) between MIN 248.12 euros and MAX 263.15 euros in 48 months.
To proceed with the application, it is necessary that the loans to be repaid be in the name or joint name of the person applying for the Consolidation. It is only possible to consolidate personal loans with specific purpose (e.g. loans for cars, furniture, appliances) or without, up to a maximum of 4 loans in total, in the following combinations: only external loans (up to 3) + possible additional liquidity; external loans (up to 3) + Fineco loans (up to 2) + possible additional liquidity, 2 Fineco loans + mandatory additional liquidity. External loans can always be consolidated, even if they are not debited on the Fineco account, while internal loans can only be consolidated if disbursed at least 6 months ago. It is not possible to consolidate salary- or pension-backed loans, revolving credit cards and loans with other UniCredit Group banks or companies (Banca di Roma, Banco di Sicilia, former Bipop-Carire, former UCFin, former Clarima) and individual Fineco loans. Further details.
For all the terms and conditions relating to the services advertised, please consult the advertising information forms.

Versione italiana
A testimonianza dell’attenzione verso la propria Clientela, FinecoBank ha deciso d’intraprendere un’azione a favore dei Clienti danneggiati dal crollo del Ponte Morandi a Genova il 14 agosto 2018, titolari di mutui ipotecari relativi a edifici resi inagibili anche parzialmente, ovvero alla gestione di attività di natura commerciale ed economica svolta negli stessi edifici.
L’iniziativa prevede che il Cliente che si trovi in condizione di difficoltà per i danni subiti dall’immobile, ferma restando la regolarità del piano dei pagamenti, possa richiedere la sospensione del pagamento delle rate dei mutui (quote capitale e quote interesse) per 12 mesi dalla data di presentazione della richiesta.
La domanda di sospensione dovrà essere presentata entro il 15 Ottobre 2018 e dovrà essere assistita da un’autocertificazione che attesti il danno subito.
La sospensione non costituisce in alcun modo novazione del contratto di mutuo e resta ferma ogni altra modalità, patto, condizione e garanzia di cui al contratto di mutuo, con particolare riferimento alla garanzia ipotecaria.
Resta inteso che, nel periodo di sospensione, non si procederà con alcuna segnalazione di insoluto alle Banche Dati relativa alle rate sospese.
Le rate sospese inizieranno a decorrere al termine del periodo di ammortamento originariamente previsto dal finanziamento, mantenendo la loro attuale periodicità.
L’esercizio sarà gratuito e non oneroso, ovvero non saranno addebitati interessi maturati durante il periodo di sospensione.
Per maggiori informazioni nonché per richiedere la sospensione delle rate, è possibile contattare il Customer Care.