Fiditalia — Prestito Personale Fidiamo
Fiditalia S.p.A.
at 60% of the usury threshold
Data verified on unchanged since the sources
"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.
Reputation
What happened to people who used Fiditalia — Prestito Personale Fidiamo, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
Notable incidentsDocumented events with consequences still open. Each entry carries a source and a date.
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Regulatory action Severe ● open
Italian competition authority: €190,000 fine for aggressive payment reminders, including for debts not owed
In decision no. 25058 of 1 August 2014 (case PS7061), Italy's competition and market authority found that between October 2011 and June 2014 Fiditalia ran an aggressive commercial practice on two fronts: intimidating payment reminders sent even for disputed debts, and obstacles placed in the way of customers exercising their contractual rights — one documented example is a customer who had to send three written requests and numerous phone chasers to obtain an early-settlement statement. The company itself reported that 63,045 reminders turned out to be unjustified, explaining that its first notice goes out 15 days before the contractual due date; 3,881 customers filed complaints. The authority banned the practice and set the base fine at €190,000, raising it to €230,000 because Fiditalia had already been subject to two other Consumer Code decisions (no. 21255 of 2010 on financing terms and no. 22450 of 2011 on the Eureka card), then bringing it back to €190,000 given the company's loss-making accounts. At the date of the decision the practice was still ongoing. Neither the compliance report the decision required within sixty days nor the outcome of any appeal is public, so the case is recorded as open.
↗ source
verified on
Public reviews
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Trustpilot ↗
4.2/5
570 reviews
Strongly polarized sentiment: 54% five-star, 41% one-star, 226 reviews in the last 12 months. Praise for staff professionalism and speed; criticism of payment handling and debt-collection practices.
Weighted average across 1 public review platform (570 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
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