Italiana Finanziamenti review

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

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Our verdict

Italiana Finanziamenti is an Italian broker for borrowers with steady income, offering fixed-rate personal, debt consolidation and secured loans of €3,000 to €75,000 over terms of 12 to 120. It suits employees, pensioners and the self-employed who want one payment they can plan around.

Key facts

Best for
Italian residents with regular, provable income who want a predictable loan and can settle it early without charge.
Loan amount
€3,000 to €75,000 (Source, checked September 26, 2026)
Term
12 to 120 months (Source, checked September 26, 2026)
Funding time
Prestito Personale can be disbursed within 24/72 hours of receiving all required documents (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
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 (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Secured (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Italiana Finanziamenti S.r.l.s. (Source, checked September 26, 2026)
Headquarters
Italy (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
italianafinanziamenti.it

Apps and profiles

Elsewhere
LinkedInfacebook.cominstagram.com

Pros and cons

Pros

  • Free early repayment, so a loan can be cleared sooner with no exit charge.
  • Registered with the Organismo degli Agenti in Attivita Finanziaria under licence A11084.
  • Support runs on phone, email and a help centre (phone, email and help centre), so an application can be chased on whichever channel suits.

Cons

  • As a broker (broker) the rate and the lender belong to a partner, so the offer presented is not always the one finally granted.
  • The smallest loan starts at €3,000 to €75,000, which rules out borrowers after a modest sum.
  • Pricing is fixed (fixed), so there is no gain if market rates fall during the term.
Italiana Finanziamenti

Ready to try Italiana Finanziamenti?

Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Employees on a permanent contract who can evidence their income in Italy.
  • INPS or former INPDAP pensioners drawing a regular pension.
  • Self-employed applicants, and anyone else with demonstrable income, wanting a fixed monthly payment.

Who should look elsewhere

  • Borrowers after a small euro loan rather than a larger one: Cashspace ES runs €100 to €5,000, a lower entry point than €3,000 to €75,000.
  • Anyone who wants to borrow in pesos: Cashspace lends PHP 500 to PHP 25,000 in a different market from the euro loans here.
  • Borrowers in the UK wanting a pound loan: Monzo Flex offers £10,000 to £35,000.

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

What kinds of loan does Italiana Finanziamenti arrange?+

The range covers personal loans, debt consolidation and secured lending (personal, debt consolidation and secured), with home improvement named as a typical use (home improvement). Because the brand works as a broker (broker), the terms come from partner lenders rather than one in-house book.

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

Borrowing runs from €3,000 to €75,000, with terms of 12 to 120. That is a broad spread for a single provider, so a consolidated loan or a secured loan can be sized to a sizeable expense rather than a small one.

Is the interest rate fixed or variable?+

Everything is priced on a fixed rate (fixed), and a fixed rate is the only model listed (fixed rate). The monthly payment therefore holds steady across the term, which suits anyone budgeting on a set monthly outgoing, at the cost of gaining nothing if market rates fall.

Can I repay the loan early without a charge?+

Early repayment is free, so a loan agreed over the top of 12 to 120 can be settled sooner with no exit fee. Free early repayment is also the more common choice among lenders here, at 81.2%.

Who is eligible to apply?+

Applicants need to be resident in Italy (IT) with income the lender can see. That opens the door to permanent employees, INPS and former INPDAP pensioners, the self-employed, and anyone else whose earnings can be evidenced. A maximum age applies, and it is higher in some cases for personal loans.

How quickly is the money released?+

Personal loans can be disbursed within days of every required document arriving, which makes the offer useful for urgent costs. As a broker (broker), completion depends on the partner lender finishing its checks once your file is complete.

Is the company regulated, and who holds the licence?+

The legal entity, Italiana Finanziamenti S.r.l.s., is listed in Italy's register of financial agents, run by the Organismo degli Agenti in Attivita Finanziaria, under licence A11084. As a broker (broker) it introduces lenders rather than lending the money itself.

How do I get help if my application stalls?+

Help is available by phone, by email and through a help centre (phone, email and help centre), so a pending file can be chased on whichever channel suits. Phone is the most common support channel among lenders across the site (85%).

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

Italian residents with regular, provable income who want a predictable loan and can settle it early without charge.

8.9/10See alternatives

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