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Italiana Finanziamenti review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Italiana Finanziamenti is a broker for residents of Italy, placing personal, debt consolidation and secured loans of €3,000 to €75,000 over terms of 12 to 120. It suits employees, pensioners and self-employed people who want fixed pricing and can send their paperwork without delay.

Key facts

Best for
A fixed personal loan for residents of Italy, with free early repayment.
Loan amount
€3,000 to €75,000↗
Term
12 to 120 months↗
Funding time
Prestito Personale can be disbursed within 24/72 hours of receiving all required documents↗
Rate type
Fixed↗
Lender type
Broker↗
Free early repayment
Yes↗
Eligibility
Employees on a permanent contract, INPS or ex-INPDAP pensioners, self-employed and anyone with demonstrable income, resident in Italy; age limit up to 75, at most 80 in some cases for personal loans↗
Loan types
Personal, Debt-consolidation, Secured↗
Use cases
Home-improvement↗
Legal entity
Italiana Finanziamenti S.r.l.s.↗
Headquarters
Italy↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Fixed rate
Official website
italianafinanziamenti.it

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
LinkedInfacebook.cominstagram.com

Pros and cons

Pros

  • Loans of €3,000 to €75,000 over terms of 12 to 120, priced at a fixed rate.
  • Free early repayment, so clearing the balance ahead of schedule adds no charge.
  • Personal, debt consolidation and secured loans sit in one place, with home improvement among the uses.
  • Support covers phone, email and help centre, so you can ask questions by phone or in writing.

Cons

  • You deal with a broker rather than a single lender, so the rate in your quote comes from whichever partner responds.
  • The eligibility rules cover residents of IT with demonstrable income, so applicants in other countries fall outside them.
  • There is no live chat window; support runs on phone, email and help centre only.
Italiana Finanziamenti

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Permanent-contract employees, INPS and ex-INPDAP pensioners, and self-employed people with demonstrable income in Italy.
  • Borrowers consolidating existing credit into a single fixed loan.
  • Applicants ready to send every required document, since disbursement follows once the file is complete.

Who should look elsewhere

  • Borrowers outside the euro area: Cashspace lends in Philippine pesos, with amounts of PHP 500 to PHP 25,000.
  • Anyone whose need runs past €3,000 to €75,000: Sofkredit reaches €12,000 to €300,000.
  • Applicants who want a higher minimum loan: Creduma ES covers from €12,000 and above.

Who runs it

Italiana Finanziamenti trades as Italiana Finanziamenti S.r.l.s. and is based in Italy. It is listed with the Organismo degli Agenti in Attivita Finanziaria (OAM) as A11084. Customers are served through phone, email and help centre, so help is available by phone, by email and in a written help centre.

How Italiana Finanziamenti compares

Where Italiana Finanziamenti is available

Available
Italy
Licence in Italy
Organismo degli Agenti in Attività Finanziaria (OAM) (A11084), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow, over what term, and how fast?+

Personal loans cover €3,000 to €75,000 with terms of 12 to 120, and disbursement follows once every required document has been received. A complete file is what moves the timing, so send the paperwork promptly rather than piecing it together later.

Is the rate fixed or variable?+

Pricing is fixed and the arrangement is a fixed rate product, so the rate does not drift with market moves over the life of the loan. That makes budgeting easier, though the figure you are given still depends on your profile and the offer returned.

Can I repay the loan early without a penalty?+

Yes. Free early repayment is offered, so clearing the balance ahead of schedule carries no extra charge. That pairs well with fixed terms, since a lump sum such as a bonus or a sale can go straight into reducing what you owe.

Who is eligible to apply?+

You need to live in IT and show demonstrable income. Permanent-contract employees, INPS and ex-INPDAP pensioners and the self-employed all fall inside the rules, and a maximum age applies, with a higher ceiling in some personal loan cases.

What can I use the loan for?+

Italiana Finanziamenti places personal, debt consolidation and secured loans, and home improvement is the named use. Consolidating existing credit into one fixed loan can tidy repayments, while a secured loan suits borrowers willing to place an asset behind the borrowing.

Is the firm regulated, and who am I dealing with?+

Yes. The company trades as Italiana Finanziamenti S.r.l.s. and is listed with the Organismo degli Agenti in Attivita Finanziaria (OAM) as A11084. You apply through the broker, and the lender named in your offer funds the loan.

How do I contact the team?+

Support runs on phone, email and help centre, so the phone line, the inbox and the written help centre carry questions on documents, pricing and repayments. Keep your file reference handy when you call so the team can pick up the case quickly.

Is Italiana Finanziamenti a lender or a broker?+

It is a broker, not a lender of its own. The broker passes your details to partners and relays the offer, so the rate, term and fees in your quote come from the lender that responds, and the contract is with them.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Arrangement fee, Credit check, Representative example.

Italiana Finanziamenti

Italiana Finanziamenti

A fixed personal loan for residents of Italy, with free early repayment.

9.0/10See alternatives