Fiditalia — Prestito Personale Fidiamo
Fiditalia S.p.A.
"Fidiamo" is the personal loan of Fiditalia (Société Générale group, financial intermediary under art. 106 TUB no. 37). The current example (valid until 31/12/2026) on €10,000/72 months has 8.95% nominal and 11.08% APR, with a €13,535.92 total cost. It is among the priciest in the personal-loan set: the stated maximum APR reaches 18.68%, practically at the personal-credit usury threshold (18.60%). Beware of using old fact sheets online (one circulating is even from 2011).
Data & conditions
| Representative-example APR | 11.08% (€10,000 · 72 months) |
|---|---|
| Min advertised nominal rate | 8.95% |
| Max APR | 18.68% |
| Total cost of credit | €13,536 |
| Usury threshold | 18.6% (Credito personale, 3° trim. 2026) — APR sits at 60% |
| 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 | Direzione e coordinamento Société Générale S.A. |
| MiCA / License status | Intermediario finanziario ex art. 106 TUB (Albo Unico n. 37) |
Strengths
- Current, clearly dated example (valid until 31/12/2026)
- Société Générale group; terms up to 120 months
- No notable sovereignty advantage documented.
Weaknesses
- Example APR 11.08%: among the highest in the personal-loan set
- Maximum APR 18.68%: practically at the usury threshold (18.60%)
- Very old fact sheets circulate online (as far back as 2011): use only the current example
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Score 2.9/5, average profile. In its favour: current, clearly dated example (valid until 31/12/2026). The trade-off to weigh: example APR 11.08%: among the highest in the personal-loan set.
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
Can the Fiditalia Fidiamo loan get close to usury?
The stated maximum APR is 18.68%, just above the personal-credit usury threshold (18.60% for Q3 2026): on the worst profiles the cost is almost at the legal cap. The current standard example is instead 11.08%. Always check the APR in your SECCI.
Sources
- Official service page Data verified on Jul 16, 2026