The personal loan is a fixed rate loan, with amortization in constant installments to be repaid normally on a monthly basis.
On Serlend it you will find numerous personal loan offers made available by the best specialized institutions, both banks and financial companies: make your loan estimates for free and find the best financing for you in just a few clicks.
To apply for a personal loan, you must be resident in Italy and be between 18 and 70 years old.
In addition, to increase the probability that the request is successful, you must have a good credit position (have not been protested, have not accumulated delays in the repayment of previous loans and do not request an amount disproportionate to your income and / or your refund capacity).
Unlike the finalized loan, in which the requested sum is paid to the reseller of the asset and / or service being financed, in the personal loan the money is paid directly to the customer. Most of the affiliated institutions disburse the loans by direct credit to the applicant’s current account; some offer the check alternative.
Almost all the Institutions require reimbursement by direct debit on the applicant’s current account (RID) as this procedure offers greater guarantees of punctuality in repayments. Some Institutes accept, as an alternative, reimbursement through postal bulletins.
Normally no guarantee is required. In some cases, however (e.g. when the amount requested is quite high in relation to the applicant’s income capacity), an indication of a guarantor may be required.
Evaluation of requests
The evaluation of requests is not the responsibility of Serlend: the latter are sent to the institutes chosen by the customers after comparing the offers.
It is the same Institutes that collaborate with Serlend.it to carry out the evaluation independently and according to their own criteria. Normally the feasibility opinion is given within two working days even if, in some cases, additional information is requested.