Agos — Prestito Personale
Agos Ducato S.p.A.
at 47% of the usury threshold
Data verified on unchanged since the sources
Worth it if you need cash fast (up to €30,000 disbursed in ~48h) and want the total cost of credit stated upfront.
Avoid it if you look only at the rate: the APR climbs to 8.70% (from a 7.27% nominal rate) due to a 1.5% arrangement fee and €2.75/month servicing, often pricier than online bank loans.
Agos Ducato is the leading consumer-credit financial intermediary (art. 106 TUB, controlled by Crédit Agricole and Banco BPM). It is the textbook case for why APR is not the nominal rate: in the online example of €10,000 over 84 months the nominal rate is 7.27% but the APR rises to 8.70% — the whole gap is fees, not rate: 1.5% origination, €2.75/month servicing, stamp duties. The total cost of credit is €13,236.90 to borrow €10,000.
Data & conditions
| Representative-example APR | 8.7% (€10,000 · 84 months · instalment €155) |
|---|---|
| Min advertised nominal rate | 7.27% |
| Total cost of credit | €13,237 |
| Usury threshold | 18.6% (Credito personale, 3° trim. 2026) — APR sits at 47% |
| Loan amount | — – €30,000 |
| Term | —–120 months |
| Lender | Financial intermediary (art. 106 TUB) |
| Mandatory insurance | No |
| Insurance included in APR | No |
| Reported to credit bureaus (CRIF) | Yes |
| KYC | Full |
| Supported countries | EEA · 1+ countries |
| Regulator | Banca d'Italia |
| Segment | B2C |
| Funding / solidity | Controllata Crédit Agricole (61%) + Banco BPM (39%) |
| MiCA / License status | Intermediario finanziario ex art. 106 TUB (Albo Unico n. 5373)Intermediario assicurativo (RUI sez. D) |
Strengths
- Fast disbursement (within ~48h up to €30,000) and wide network
- Example with total cost of credit clearly disclosed (€13,236.90)
- No notable sovereignty advantage documented.
Weaknesses
- Nominal-to-APR gap (7.27→8.70%) entirely due to fees: 1.5% origination + €2.75/month servicing
- Financial intermediary (not a bank): terms tend to be less aggressive than pure online bank loans
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Score 3.4/5, average profile. In its favour: fast disbursement (within ~48h up to €30,000) and wide network. The trade-off to weigh: nominal-to-APR gap (7.27→8.70%) entirely due to fees: 1.5% origination + €2.75/month servicing.
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.
Reputation
What happened to people who used Agos — Prestito Personale, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
History not verifiedWe have not yet completed the incident search for this service: no entries here does not mean no events.
Public reviews
-
Trustpilot ↗
4.5/5
92,878 reviews
Trustpilot Italy profile (agos.it): 4.5 over 92,878 reviews. Reflects the overall Agos experience, not only the loan.
-
Google Play ↗
3.9/5
24,551 reviews
'Agos' app (it.agos.app). From JSON-LD aggregateRating, reproduced by the orchestrator: 3.904 over 24,551. Single app for all Agos services, not just the loan.
-
App Store ↗
4.0/5
7,604 reviews
'Agos' app (id 1503656542, AGOSDUCATO SPA): covers all Agos products, not just the personal loan. Exact value from iTunes lookup: 4.016 over 7,604.
Weighted average across 3 public review platforms (125,033 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
Why is Agos's APR higher than its nominal rate?
Because the APR (8.70%) includes all fees on top of interest: 1.5% origination, €2.75/month servicing and stamp duties. The nominal rate (7.27%) is pure interest only. The gap here is not the rate, it's the fees.
Sources
- Official service page Bolli Data verified on Jul 16, 2026