VaiPrestito review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
VaiPrestito focuses on convention lending such as assignment of salary, delegation of payment and personal loans for employees and pensioners. It operates as an agent linked to Prexta and suits dependent workers and pensioners seeking access through that convention channel.
Key facts
- Best for
- Convention loans for employees and pensioners
- Loan amount
- €1,000 to €80,000↗
- Term
- 6 to 120 months↗
- Rate type
- Fixed↗
- Lender type
- Broker↗
- Eligibility
- Employees and pensioners only (INPS/INPDAP convention), resident in Italy; the intermediary's personal loan requires over 18 years old, provable income, max age 83 at end of financing↗
- Loan types
- Personal↗
- Use cases
- Home-improvement↗
- Legal entity
- MEDIA ADGO, S.L. (site owner and data controller; lead service delivered through Signor Prestito S.p.A.)↗
- Support channels
- Phone, Email↗
- Pricing model
- Fixed rate
- Official website
- vaiprestito.it
Facts checked September 26, 2026, 2 sources
Pros and cons
Pros
- Distributes salary assignment, delegation of payment and personal loans
- Serves dependent workers and pensioners through convention agreements
- Allows requests online or through nearby branches for added convenience
- Operates through an agent linked to a banking group member
Cons
- Range centres only on convention backed borrowing options
- Access depends on credit assessment by the lending intermediaries
Who it suits
- Employees covered by convention agreements
- Pensioners seeking convention backed credit
Who should look elsewhere
- People outside convention employment or pension schemes
The company behind it
The company behind it operates as Signor Prestito Spa based in Verona and registered with OAM as an agent for financial activity. It acts as agent for Prexta Spa based near Milan and entered in the single register kept by Bank of Italy as a financial intermediary. Prexta forms part of Mediolanum Banking Group and distributes assignment of salary products, delegation of payment, severance advance and personal loans. Credit decisions remain with Prexta or other placed banks and intermediaries that become direct contractual counterparties.
How VaiPrestito compares
Where VaiPrestito is available
- Available
- Italy
- Licence in Italy
- OAM (Organismo degli Agenti in Mediatori) - financial agent registration stated for the intermediary Signor Prestito S.p.A. on the brand site (A7278), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Which products does VaiPrestito cover?+
VaiPrestito covers assignment of salary, delegation of payment, severance advance and personal loans distributed through Prexta. These products are offered within the INPS and INPDAP convention framework. Final availability depends on assessment by the lending intermediary.
Who can apply through VaiPrestito?+
The offering is reserved for dependent workers and pensioners who fall under the INPS and INPDAP convention. It therefore addresses people with employee or pension status linked to that framework. Other employment situations are outside this defined scope.
What company stands behind VaiPrestito?+
The structure relies on Signor Prestito Spa based in Verona and acting as agent for Prexta Spa. Prexta is based near Milan and is entered in the single register kept by Bank of Italy. Prexta also forms part of Mediolanum Banking Group.
How is lending approval decided?+
Signor Prestito operates as agent while Prexta evaluates creditworthiness and eligibility requirements for the financing. Prexta may distribute its own products or place products from other banks and intermediaries. In the latter case those lenders become the direct contractual counterparties.
How can I contact VaiPrestito support?+
VaiPrestito offers support through Phone, Email. (Source, checked September 26, 2026)
Sources
- vaiprestito.it checked September 26, 2026
Backs: Loan amount, Eligibility, Legal entity, Lender type, Support channels, Licences
“Scegli l'importo desiderato: 1000EUR ... 80000EUR”
- signorprestito.it/prestiti-personali.html checked September 26, 2026
Backs: Loan types, Pricing model, Rate type, Term, Use cases
“Tasso fisso”
Compiled from 2 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: APR, Arrangement fee, Credit check, Funding time, Representative example.