Personal loans · Turin and Piedmont
Personal loans in Turin: we compare the total cost, not the headline rate
Online offers all look alike until you look at the APR and the associated charges. We compare partner banks and finance companies on the total cost of credit and we know, before putting you forward, which of them accept a profile like yours.
- ★ 5,0 272 Google reviews
- 30+ lenders approached in parallel
- 72 ore to approval, on average
- OAM no. M39
What people usually think
What an online comparison tool does not show you
On loans, comparing looks like something anyone can do, and that is exactly why it is the product people get wrong most often. The two figures that decide what it really costs you appear in no comparison table: one is buried in the contract, the other is in your credit history.
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“I’ll compare the rates and pick the lowest”
The figure that counts is the APR. Same advertised rate, hundreds of euros apart.
Why
The nominal rate does not include arrangement fees, payment collection charges or any compulsory insurance. The figure that gathers them all is the APR: two offers with the same advertised rate can differ by several hundred euros over the life of the loan.
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“I’ll fill in a few forms online and see who replies”
Every application leaves a trace. Five in a month can get the sixth refused.
Why
This is the most expensive mistake. Every credit application leaves a trace in the credit databases, even when it is not accepted. Five applications in a month make your profile look riskier to the sixth lender and can get a case refused that would have passed first time.
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“It’s a sum I can comfortably repay”
Total payments should not exceed a third of your net income, counting those already running.
Why
The payment has to be judged together with everything already outstanding: as a rule of thumb, the total should not exceed a third of your net monthly income. If you already have a loan running, the amount to request has to be worked out before you apply, not after a refusal.
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“If I want to clear it early, they’ll penalise me”
Maximum penalty 1%, and nil once the balance is below €10,000.
Why
Far less than people think: the maximum penalty is 1% of the capital repaid early, and it falls to nil once the outstanding balance is below €10,000 or fewer than twelve months remain.
Why with us
What we actually do
We compare what you repay in total, not the rate
We set the offers side by side on the APR and on the sum actually repaid by the end, insurance included. It is the only figure that tells you which is genuinely cheaper.
We know which lenders accept your profile
A fixed-term contract, a recently registered sole trader, borrowing already running, an age outside the standard brackets: every lender treats these cases differently. We put your case only to those currently accepting it, rather than leaving you to try at random and burn your later chances.
Special terms for police and armed forces
For personnel of the Polizia di Stato, Carabinieri, Guardia di Finanza, Polizia Penitenziaria and the Armed Forces, some lenders reserve dedicated terms, different from the standard rate card. If you are in uniform, telling us on the first call changes the quote.
The purpose changes the price, and almost nobody says so
The same amount, to the same person, costs differently depending on what you do with it. A loan tied to buying a car or to building work almost always carries a lower APR than a general-purpose cash loan, because the lender knows where the money goes and in some cases can tie it to the seller’s invoice. Saying "I need €20,000" and saying "I need €20,000 to redo the bathroom, here is the quote" are two different applications, even on the same income.
The term weighs just as much. Extending it lowers the instalment and raises the total interest, but below a certain monthly figure some lenders will not finance at all: the right term is not the shortest one you can bear, it is the one that holds instalment and acceptability together. They are two levers you set together, and that is the conversation we have on the phone before anything moves.
Request a call backHow we work
From the call to the signature
- 01
First call
Amount, purpose, income, any borrowing already running and your service branch if you are in uniform.
- 02
A check on paper
We work out which lenders accept a profile like yours and at what total cost, before submitting anything.
- 03
Submitting the application
Identity document, tax code, latest payslip, IBAN. We take care of the rest.
- 04
Release of funds
After approval, which on average arrives within 72 hours of the complete file.
Google reviews
Who chose us
★★★★★
Il mio forma mentis mi porta generalmente a dubitare ed evitare di usufruire di questi servizi perché ormai "c'è internet" e per cattive esperienze passate. Questa volta ho deciso di andare un po' contro me stesso e accettare l'aiuto di Marcello, che mi ha fatto cambiare idea sin dal primo incontro. Mi ha trovato il mutuo migliore per me al momento, ha risolto tutti i miei dubbi con parole chiare e comprensibili ai non del mestiere: non ho dovuto fare niente se non inviargli i documenti che servono. Insomma, probabilmente è il primo professionista che pago volentieri.
★★★★★
Ottimo servizio, preciso e veloce. Sono stata seguita con grande tempestività sin dal primo contatto, senza mai ricevere false speranze ma solo soluzioni concrete e trasparenti. Grazie al supporto di Alex, l'iter burocratico è stato molto più semplice e senza intoppi. Persona, oltre che qualificata, di una disponibilità e gentilezza rara. Un servizio efficiente che consiglio vivamente a tutti.
★★★★★
Devo ringraziare enormemente Alex Franzino di Kiron, che mi ha aiutata a ottenere il mio primo mutuo al 95% nonostante la mia situazione da giovane partita IVA non fosse la più ideale. Mi ha supportata moltissimo nei chiarimenti tecnici ed è sempre stato presente durante il percorso, facendo anche da tramite con l'agenzia immobiliare e gli altri attori. Con il suo aiuto non ho praticamente sentito la pesantezza burocratica. Consiglio fortemente per chi, come me, ha bisogno di una guida nei meandri bancari e burocratici.
Start here
Tell us about your situation
Four questions about personal loans. An adviser from the Turin office calls you back having already read your answers: no need to repeat it all on the phone.
- You don’t need to have found a property yet — the earlier you call, the better
- No documents to prepare for the first call
- If the deal does not stand up, we will say so straight away
- You only pay if you sign at the notary
FAQ
Frequently asked questions
How much can I ask for?
It depends on your net income and on what you already have outstanding: as a rule of thumb, total payments should not exceed a third of your net monthly income. We do the precise calculation on the first call, before submitting anything.
Why is it a bad idea to make several applications online?
Because every application leaves a trace in the credit databases even when it is refused, and a run of enquiries close together worsens how your profile is assessed. Knowing in advance which lenders accept a profile like yours is worth more than five blind attempts.
How long does an answer take?
On average approval arrives within 72 hours of the complete set of documents being handed over, with release a few days later. For certain purposes and amounts it takes longer — in which case we tell you beforehand.
Can I repay early?
Yes, it is a statutory right. The maximum penalty is 1% of the capital repaid early, falling to nil once the outstanding balance is below €10,000 or fewer than twelve months remain.
Are there special terms for police and armed forces personnel?
Yes. For personnel of the Polizia di Stato, Carabinieri, Guardia di Finanza, Polizia Penitenziaria and the Armed Forces, several lenders apply dedicated agreements with terms that differ from the standard rate card. They vary by branch and by length of service: we check which ones apply to your case before submitting the application.
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