Sella Personal Credit — Prestito Personale
Sella Personal Credit S.p.A.
Sella Personal Credit (formerly Consel, Banca Sella Group) is the consumer-credit financial intermediary of the Biella-based group. The example (€7,000/48 months) shows a 7.45% nominal rate and 7.86% APR: a minimal gap because origination, servicing and online statements are waived, leaving only the €16 stamp duty. For some categories (healthcare, police forces) it offers preferential terms (down to 4.90% nominal). Amounts up to €50,000.
Data & conditions
| Representative-example APR | 7.86% (€7,000 · 48 months · instalment €169) |
|---|---|
| Min advertised nominal rate | 7.45% |
| Total cost of credit | €8,136 |
| Usury threshold | 18.6% (Credito personale, 3° trim. 2026) — APR sits at 42% |
| Loan amount | — – €50,000 |
| 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 | Ex Consel S.p.A.; Gruppo Banca Sella (Banca Sella Holding) |
| MiCA / License status | Intermediario finanziario ex art. 106 TUB (Albo Unico n. 32494) |
Strengths
- 7.45% nominal / 7.86% APR: minimal gap, zero servicing fees
- Preferential terms for partner categories (healthcare, police forces)
- Banca Sella Group; total cost of credit disclosed (€8,135.74)
- No notable sovereignty advantage documented.
Weaknesses
- Financial intermediary (not a bank): also sold via third-party networks
- The 7.45% nominal rate is a starting point: it depends on the profile
- Registration number and terms to be checked on the updated fact sheet
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Score 3.6/5, solid profile. In its favour: 7.45% nominal / 7.86% APR: minimal gap, zero servicing fees. The trade-off to weigh: financial intermediary (not a bank): also sold via third-party networks.
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
Does Sella Personal Credit offer discounts to certain categories?
Yes: for partner categories (e.g. healthcare, police forces) it offers preferential terms, with examples down to 4.90% nominal / 5.10% APR. Standard terms remain around 7.45% nominal / 7.86% APR. Always check the offer applicable to your profile in the SECCI.
Sources
- Official service page Data verified on Jul 16, 2026