Agos — Prestito Personale
Agos Ducato S.p.A.
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.
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