Soisy — Paga a Rate
Soisy S.p.A.
Soisy is an Italian fintech that brings peer-to-peer lending into e-commerce instalment payments: from 3 to 36 months. Unlike free "pay in 3" BNPL, Soisy is interest-bearing credit: APR from 7.19% to 14.95% depending on profile and term, but with no stamp duty and no early-repayment costs. It is a payment institution supervised by the Bank of Italy. Falling under purpose-tied credit, the usury benchmark is the 17.71% threshold.
Data & conditions
| Representative-example APR | 7.19% |
|---|---|
| Max APR | 14.95% |
| Usury threshold | 17.713% (Credito finalizzato, 3° trim. 2026) — APR sits at 41% |
| Term | 3–36 months |
| Number of instalments | 12 |
| Lender | BNPL / deferred payment |
| Mandatory insurance | No |
| Reported to credit bureaus (CRIF) | Yes |
| KYC | Full |
| Supported countries | EEA · 1+ countries |
| Regulator | Banca d'Italia |
| Segment | B2C |
| Funding / solidity | Fintech italiana di social lending applicato al pagamento rateale e-commerce |
| MiCA / License status | Istituto di pagamento vigilato da Banca d'Italia (modello di prestito tra privati / P2P lending) |
Strengths
- Long instalments (up to 36 months) with a transparent APR from 7.19%
- No stamp duty and no early-repayment costs
- Payment institution supervised by the Bank of Italy
- No notable sovereignty advantage documented.
Weaknesses
- Interest-bearing: APR up to 14.95% on the worst profiles/terms
- It is not a free "pay in 3": it is purpose-tied credit with creditworthiness assessment
- The real number depends on the profile: read the pre-contractual document
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Score 3.2/5, average profile. In its favour: long instalments (up to 36 months) with a transparent APR from 7.19%. The trade-off to weigh: interest-bearing: APR up to 14.95% on the worst profiles/terms.
On the Sovereignty lens the score is 0.4/5 (weak): the strength is censorship resistance (1.5/5), while fund control (0.0/5) is the weak link.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is Soisy like Scalapay or Klarna?
No: Scalapay and Klarna "pay in 3" are at 0% APR over a few weeks; Soisy is purpose-tied credit with interest (APR 7.19%–14.95%) over long terms (3–36 months), with a creditworthiness assessment. In exchange it has no stamp duty or early-repayment costs.
Sources
- Official service page Data verified on Jul 16, 2026