A Loan Worthy of Your Ambitions
Financing Life's Most Important Chapters
A personal loan from Casa Della Finanza is not merely a transfer of funds. It is a considered act of partnership one that reflects our understanding that the moments requiring financial support are often the most meaningful in a person's life. The education of a child, the renovation of a home, the consolidation of accumulated burdens: these deserve more than an algorithm.
Since 1972, we have extended credit to Italian families with the same underlying philosophy: assess the person, not merely the numbers. Every application is reviewed by experienced professionals who understand that behind every figure lies a story, a plan, and a future worth supporting.
We offer fixed-rate unsecured personal loans from € 3,000 to € 75,000, with repayment periods from 12 to 84 months and no early repayment penalties giving you complete flexibility to manage your finances on your own terms.
"Credit, properly extended to those who have earned it, is one of the great instruments of human progress. We extend it with pride and with care."
A Loan for Every Purpose
Prestito Classico
The Prestito Classico is Casa Della Finanza's foundational personal loan a straightforward, fully unsecured credit facility for any legitimate personal purpose. Whether you are funding a family celebration, consolidating existing obligations, or addressing an unexpected need, this loan provides predictable, fixed monthly instalments throughout the entire term.
No collateral is required. The interest rate is fixed at inception and will never change. There are no hidden charges, no penalty for early settlement, and no requirement to hold any other product with the bank.
Prestito Ristrutturazione
Italy's housing stock is among the most historically significant in the world and among the most in need of careful renewal. Our Home Renovation Loan is designed specifically for clients undertaking structural works, energy efficiency improvements, kitchen and bathroom refurbishment, or any other substantial home improvement project.
Clients presenting contractor quotations and planning documentation qualify for preferential rates and extended terms of up to 10 years. Properties achieving energy class improvement of two or more levels following works receive an additional rate reduction of 0.20%.
Prestito Studio
Education is the most enduring investment a family can make. Our Prestito Studio finances university tuition, postgraduate programmes, professional certifications, and study abroad at preferential rates, with repayment deferred until twelve months after the completion of studies.
Students at recognised Italian and European institutions qualify automatically. The loan may cover tuition fees, accommodation, course materials, and living costs for the duration of the programme, up to a maximum of five academic years with annual disbursements timed to the academic calendar.
Consolidamento Debiti
Managing multiple loan obligations each with its own instalment date, rate, and lender creates unnecessary complexity and often concealed cost. Our Debt Consolidation Loan gathers your existing obligations into a single, lower monthly payment, typically at a meaningfully reduced rate.
Our advisors will conduct a full analysis of your current obligations including credit cards, personal loans, and hire purchase agreements and model the consolidation to demonstrate the cash flow improvement and total interest saving before you commit. There are no early repayment charges on existing Casa Della Finanza facilities being consolidated.
"We do not lend money. We extend trust a considered judgement that another person's plans are worthy of our support, and that they will honour the confidence we place in them."— Marco Bellini · Head of Personal Banking, Casa Della Finanza
Compare Our Loan Products
| Feature | Prestito Classico | Ristrutturazione | Prestito Studio | Consolidamento |
|---|---|---|---|---|
| TAN from | 5.90% | 5.40% | 4.75% | 6.10% |
| Loan Amount | € 3,000 – € 75,000 | € 10,000 – € 100,000 | € 5,000 – € 50,000 | € 5,000 – € 75,000 |
| Maximum Term | 84 Months | 120 Months | 96 Months | 84 Months |
| Collateral Required | ✕ None | ✕ None | ✕ None | ✕ None |
| Deferred Repayment | ✕ | ✕ | ✓ 12 months | ✕ |
| Early Repayment Fee | ✓ None | ✓ None | ✓ None | ✓ None |
| Green Rate Bonus | ✕ | ✓ −0.20% | ✕ | ✕ |
| Decision Time | 48 Hours | 72 Hours | 48 Hours | 72 Hours |
| Online Application | ✓ | ✓ | ✓ | ✓ |
Rates shown are indicative from-rates for clients with strong credit profiles. Your personalised rate will be confirmed following credit assessment. TAEG includes all mandatory costs. Data as at 1 May 2025. Subject to status and Casa Della Finanza lending criteria.