Findomestic — Prestito Personale
Findomestic Banca S.p.A.
Findomestic Banca (BNP Paribas Group) is Italy's consumer-credit leader. Its personal loan has a representative example of €16,000 over 96 instalments of €220, with a 7.23% fixed nominal rate and 7.47% APR: a small gap because accessory fees are waived and rolled into the instalment. It covers amounts up to €100,000 and terms up to 120 months; disbursement within 24 hours for existing customers. Note: the stated maximum APR rises to 13.75% depending on the profile.
Data & conditions
| Representative-example APR | 7.47% (€16,000 · 96 months · instalment €220) |
|---|---|
| Min advertised nominal rate | 7.23% |
| Max APR | 13.75% |
| Total cost of credit | €21,120 |
| Usury threshold | 18.6% (Credito personale, 3° trim. 2026) — APR sits at 40% |
| Loan amount | €1,000 – €100,000 |
| Term | 12–120 months |
| Lender | Bank (direct lender) |
| 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 | Gruppo BNP Paribas (BNP Paribas Personal Finance), controllo dal 2011; leader italiano del credito al consumo |
| MiCA / License status | Banca (Albo delle Banche, Banca d'Italia) |
Strengths
- Representative example with 7.23% nominal / 7.47% APR: minimal gap, fees rolled in
- Amounts up to €100,000 and terms up to 120 months: among the widest coverage
- Market-leading bank of the BNP Paribas Group; fast disbursement for account holders
- No notable sovereignty advantage documented.
Weaknesses
- The maximum APR reaches 13.75%: 7.47% is the best-case scenario, not guaranteed to everyone
- The effective rate depends on the credit assessment: the showcased number is the best case
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Score 3.8/5, solid profile. In its favour: representative example with 7.23% nominal / 7.47% APR: minimal gap, fees rolled in. The trade-off to weigh: the maximum APR reaches 13.75%: 7.47% is the best-case scenario, not guaranteed to everyone.
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 Findomestic's 7.47% APR guaranteed?
No: it is the representative-example APR (best case). The fact sheet states a maximum APR of up to 13.75%, applied based on the creditworthiness assessment. Your real number is in the SECCI for your application.
Sources
- Official service page Data verified on Jul 16, 2026