Personal green loan
Personal loans for people living in Italy to finance home energy improvements or an electric or hybrid vehicle.
Denne finansieringsmuligheten er foreløpig beskrevet på engelsk.
Green House lends €5,000–€50,000 over 12–110 months for photovoltaic systems, lighting and home automation, or thermal insulation. Green Mobility lends €2,000–€30,000 over 12–84 months for electric or hybrid vehicles.
You can apply to finance eligible purchases already made in the three months before your loan request. The loan cannot exceed your documented spending.
Prestipay pays the loan in one instalment within 10 days of the contract being concluded. You repay the principal and interest in monthly instalments through SEPA direct debit from your bank account. Your interest rate is fixed and set out in your personal quotation.
There is no origination fee. Stamp duties and payment-related charges may apply; paper transparency communications cost €1 each, while email delivery is free. Insurance is optional. Read your personalised SECCI, the pre-contract document stating the rate, annual total cost of credit (TAEG) and charges, before signing.
You can repay early in full or in part, with a proportional reduction in interest and credit costs other than taxes. Compensation is 1% of the amount repaid early when more than a year remains, or 0.5% when a year or less remains. It cannot exceed the interest remaining on the loan. No compensation is due if you repay the entire outstanding balance of €10,000 or less, or if repayment comes from credit-protection insurance.
Eligibility
- You must be over 18, live in Italy and have provable employment, self-employment or pension income. Pensioners must be under 75.
- The borrowing must be for private purposes outside your business or professional activity. Prestipay assesses and approves applications; meeting the basic conditions does not guarantee approval.
- Provide spending documents in your name or the name of any co-borrower and a declaration confirming the green nature of the purchase. Submit a copy of the invoice within 30 days of payout, showing spending at least equal to the loan. Without green-purpose evidence, Prestipay applies its ordinary personal-loan terms.
- If a co-borrower signs, both borrowers are responsible for the entire debt; Prestipay can require either to pay it.
How to apply
- Status
- Løpende søknader
- Vilkår for søknadsrunden
- Apply through a distributing bank branch; subject to Prestipay approval.[^c2][^c18]
Arrange an appointment at a distributing bank branch using Prestipay’s contacts page. For information about personal-loan applications, call 0432 16.97.681 or email servizio.clienti@prestipay.it.
Bring your identity document, health card and income evidence, plus proof of your eligible spending. Employees provide their latest payslip. Self-employed applicants provide their latest Modello Unico tax return, evidence of IRPEF tax payments and the filing receipt. Pensioners provide pension-income evidence; the lender’s pensioner FAQ also requests the last two pension slips and OBIS or CU documentation.