Here are the loans offered by Poste Italiane
Prestito BancoPosta
– Amount: min 1,500 – max 30,000 €
– Duration: 12 – 84 months
– Disbursement method: direct credit to BancoPosta account
– Repayment method: fixed monthly installment with direct debit from BancoPosta account
– Processing fee: free
– Installment collection fees: free
– Communication sending: free
Prontissimo BancoPosta (does not require a BancoPosta Account or a bank checking account)
– Amount: min 1,750 – max 10,000 €
– Duration: 24 – 72 months
– Processing fee: free
– Disbursement method: Postal Order delivered at Post Office
– Repayment method: Postal slips
– Installment collection fees: free
– Communication sending: free
– Early repayment: free
– Quinto BancoPosta for INPS and INPDAP pensioners
– Repayment: installment deducted directly from the pension, up to 1/5 of it
– Financeable Amount: based on the amount of the pension
– Duration: 36 – 120 months
– Insurance: Life Insurance Coverage, mandatory by law, guaranteed by the INPDAP Risk Fund
– Early Repayment Fees: None
– Ancillary Fees: None
Quinto BancoPosta for Public Employees
– Repayment: Installment deducted directly from salary, up to 1/5 of it
– Customer Requirements: Italian citizenship; permanent employment contract with a State administration
– Financeable Amount: variable based on salary
– Duration: 36 – 120 months
– Insurance: covering the risk of premature death and loss of employment, with stipulation and costs borne by the assignee
– Age: from 18 to 67 years (the maximum age at loan expiry depends on retirement age)
– Length of service: 3 months – 42 years (women) or 43 years (men) (max length at loan expiry)
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Updated December 2012
Article from Poste Italiane loans