Prestitalia — Cessione del Quinto
Prestitalia S.p.A.
Prestitalia is the Intesa Sanpaolo Group bank specialised in salary-backed loans. In the pensioner example (€25,000/120 months) the nominal rate is 8.80% and the APR 9.19%, with no origination fees. It is the case that debunks the "zero fees" claim: even without origination, the cost is high (near double-digit APR) because of the mandatory death-risk insurance and the long term. As the amount exceeds €15,000, the usury benchmark is the "over €15,000" band (15.96% threshold).
Data & conditions
| Representative-example APR | 9.19% (€25,000 · 120 months) |
|---|---|
| Min advertised nominal rate | 8.8% |
| Usury threshold | 15.963% (Cessione del quinto oltre 15.000€, 3° trim. 2026) — APR sits at 58% |
| Loan amount | — – €75,000 |
| Term | 24–120 months |
| Lender | Bank (direct lender) |
| 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 | Gruppo Intesa Sanpaolo, specializzata nella cessione del quinto |
| MiCA / License status | Banca (Gruppo Intesa Sanpaolo) |
Strengths
- No origination fees; Intesa Sanpaolo Group bank
- Instalment withheld at source, accessible to pensioners and employees
- No notable sovereignty advantage documented.
Weaknesses
- Example APR 9.19%: among the highest in salary-backed loans, despite being a major bank brand
- "Zero origination" does not lower the APR: mandatory insurance and the 120-month term weigh on it
- High total cost over 10 years
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Score 3.0/5, average profile. In its favour: no origination fees; Intesa Sanpaolo Group bank. The trade-off to weigh: example APR 9.19%: among the highest in salary-backed loans, despite being a major bank brand.
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
If Prestitalia has no origination fees, why is the APR high?
Because the APR (9.19%) depends mostly on the rate, the included mandatory death-risk insurance and the long term (120 months), not just origination. "Zero origination fees" is a detail, not a cheap loan: look at the APR and the total cost.
Sources
- Official service page Data verified on Jul 16, 2026