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 May 2022.
Standard interest rate: min APR 3.95% (max EAPR 4.28%) - max APR 6.95% (max EAPR 7.44%). 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 €11,000. Total amount due by customer from MIN 11,909.76 euros to MAX 12,631.20 euros. Total amount of credit: 10.972,50 euros. Substitute tax 27.50 euros. 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.
Standard interest rate: min APR 3.95% (max EAPR 4.28%) - max APR 6.95% (max EAPR 7.44%). Duration of the loan agreement: from 12 to 72 months for amounts between 11,000 and 30,000 euros. Example: amount €11,000. Total amount due by customer from MIN 11,909.76 euros to MAX 12,631.20 euros.Total amount of credit: 10.972,50 euros. Substitute tax 27.50 euros. 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.