Fiditalia — Cessione del Quinto
Fiditalia S.p.A.
Fiditalia (Société Générale group, financial intermediary under art. 106 TUB, register no. 37) offers salary- and pension-backed loans. In the public-employee example (€25,000/120 months) the nominal rate is 6.73% and the APR 6.96%: a small gap, but the mandatory life/employment insurance is already inside the APR. As the amount exceeds €15,000, the applicable usury benchmark is the "over €15,000" band (15.96% threshold).
Data & conditions
| Representative-example APR | 6.96% (€25,000 · 120 months) |
|---|---|
| Min advertised nominal rate | 6.73% |
| Usury threshold | 15.963% (Cessione del quinto oltre 15.000€, 3° trim. 2026) — APR sits at 44% |
| Loan amount | — – €75,000 |
| Term | 24–120 months |
| Lender | Financial intermediary (art. 106 TUB) |
| Eligible borrowers | Public/State employees, Private employees, Pensioners |
| Mandatory insurance | Yes |
| Insurance included in APR | Yes |
| 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
- Example APR 6.96% with a close nominal rate (6.73%): small gap
- Amounts up to €75,000 and terms up to 120 months; Société Générale group
- Withheld at source: accessible even with other ongoing loans
- No notable sovereignty advantage documented.
Weaknesses
- Financial intermediary (not a bank): often sold via agent networks
- Mandatory insurance included in the cost; example term 120 months
- Beware of old dated fact sheets online: always check the current example
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Score 3.2/5, average profile. In its favour: example APR 6.96% with a close nominal rate (6.73%): small gap. The trade-off to weigh: financial intermediary (not a bank): often sold via agent 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
Which usury threshold applies to Fiditalia's €25,000 salary-backed loan?
As the amount exceeds €15,000, the "salary-backed loan over €15,000" threshold applies, i.e. 15.96% for Q3 2026. The example APR (6.96%) is well below, about 44% of the threshold.
Sources
- Official service page Data verified on Jul 16, 2026