The following sections describe the main categories of consumer credit that PREXTA S.p.A. is active in. This page is provided for general information only and does not constitute a lending offer.
We focus on a focused set of lending categories, each serving a distinct borrower need. Below is an overview of each area of activity.
Also known as loans repaid via payroll delegation, these are instalment loans where repayment is deducted directly from the borrower's monthly salary or pension. This structure typically allows for longer repayment periods and stable, predictable instalments. Eligibility depends on employment status, income level, and the participation of the employer or pension provider in the delegation framework.
Unsecured loans available to qualifying individuals for general-purpose use. Repayment is structured in fixed monthly instalments over an agreed term. The absence of collateral means that eligibility and pricing are determined primarily by the applicant's credit profile, income stability, and existing financial obligations.
A solution that allows borrowers to combine multiple existing loans or credit lines into a single new facility. The objective is to simplify financial management by reducing the number of monthly payments and, in some cases, lowering the overall monthly outflow. Consolidation may extend the total repayment period, which can affect the total cost of credit.
Financing specifically intended for renovation, maintenance, and energy-efficiency upgrades to residential properties. These products may be used for projects ranging from structural repairs to the installation of modern heating or cooling systems. Funds are typically disbursed according to a schedule aligned with project milestones or contractor invoices.
While specific procedures vary by product and channel, the general path from initial enquiry to loan disbursement follows a structured sequence designed to ensure both speed and responsibility.
We apply responsible lending principles at every stage, from initial assessment to final repayment. This means we will not extend credit where it is clear that doing so would create financial difficulty for the borrower.
Each application is evaluated against income, existing obligations, and living costs to ensure that the proposed instalment is sustainable for the borrower's financial situation.
All contractual terms — including the annual percentage rate, total amount repayable, and any applicable fees — are presented in writing before the customer commits.
Customers experiencing difficulties during repayment are encouraged to contact us. We work to identify appropriate solutions in line with applicable regulations and internal policies.
