Loan Plans Designed for Real Life
ITALCREDI offers three clearly defined lending plans, each calibrated to a different borrower profile and financial objective. Whether you are looking for a modest short-term loan or a larger long-term arrangement backed by your salary, there is a plan structured to suit you. All plans carry fixed rates, transparent documentation, and the backing of the La Cassa di Ravenna Group. Speak to one of our advisors to confirm which plan best matches your circumstances.
Essenziale
From €2,000
Designed for individuals seeking a smaller personal loan for short-term needs such as unexpected expenses, minor home repairs, or travel. Suitable for employed applicants with a stable monthly income.
- Loan amounts from €2,000 to €10,000
- Repayment terms from 12 to 48 months
- Fixed monthly instalment with no variable rate risk
- Simple online or in-branch application
- Decision typically within 3 business days
Bilanciato
From €10,001
A mid-range personal loan or cessione del quinto product for borrowers with medium-term financing needs — home improvements, education costs, or debt consolidation. Open to employed workers and pensioners.
- Loan amounts from €10,001 to €30,000
- Repayment terms from 24 to 84 months
- Cessione del quinto option available for eligible applicants
- Dedicated loan advisor assigned to your case
- Competitive APR with full cost disclosure upfront
Avanzato
From €30,001
Our premium lending plan for higher borrowing requirements, available to public sector employees, private sector employees with strong credit profiles, and eligible retirees. Structured for maximum flexibility and rate efficiency.
- Loan amounts from €30,001 up to €75,000
- Repayment terms from 36 to 120 months
- Salary-backed or pension-backed repayment available
- Priority processing and senior advisor support
- Optional payment protection insurance included