Prexta — Cessione del Quinto
Prexta S.p.A.
at 43% of the usury threshold
Data verified on unchanged since the sources
Worth it if you are an employee or pensioner and want a competitive salary-backed loan: in the example the APR is 6.80%, about 43% of the category's usury threshold.
Avoid it if you want a short term or refuse insurance: the example runs 120 months and the mandatory policy is bundled into the loan cost.
Prexta is the financial intermediary (art. 106 TUB no. 117) of the Mediolanum banking group dedicated to salary-backed loans. In the example (€32,000/120 months) the nominal rate is 6.16% and the APR 6.80%: competitive terms for the category, with mandatory insurance included. It belongs to a solid banking group (Mediolanum) and serves both employees and pensioners. As the amount exceeds €15,000, the usury benchmark is the "over €15,000" band (15.96% threshold).
Data & conditions
| Representative-example APR | 6.8% (€32,000 · 120 months) |
|---|---|
| Min advertised nominal rate | 6.16% |
| Usury threshold | 15.963% (Cessione del quinto oltre 15.000€, 3° trim. 2026) — APR sits at 43% |
| 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 | Gruppo bancario Mediolanum |
| MiCA / License status | Intermediario finanziario ex art. 106 TUB (Albo Unico n. 117) |
Strengths
- 6.16% nominal / 6.80% APR: competitive for salary-backed loans
- Mediolanum banking group; serves employees and pensioners
- Example APR at about 43% of the category's usury threshold
- No notable sovereignty advantage documented.
Weaknesses
- Financial intermediary (not a direct bank)
- Mandatory insurance included; example term 120 months
- Less known to the general public than the big salary-backed-loan names
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Score 3.3/5, average profile. In its favour: 6.16% nominal / 6.80% APR: competitive for salary-backed loans. The trade-off to weigh: financial intermediary (not a direct bank).
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 Prexta — Cessione del Quinto, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
No known incidentSearch across public sources: no known hack, withdrawal freeze or regulatory action as of the verification date.
verified on
FAQ
Which group does Prexta belong to?
Prexta S.p.A. is a financial intermediary registered under art. 106 TUB no. 117 and part of the Mediolanum banking group (not Mediobanca). It offers salary-backed loans to employees and pensioners with competitive APRs (example 6.80%).
Sources
- Official service page Data verified on Jul 16, 2026