Personal loans · Legnano and the Alto Milanese
Personal loans in Legnano: 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.
- OAM no. M39
- 30+ lenders approached in parallel
- 72 ore to approval, on average
- 1 referente, dalla prima chiamata alla firma
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.
Come lavoriamo
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.
Start here
Tell us about your situation
Quattro domande su personal loans. Ti richiamiamo dall'ufficio di Legnano avendo già letto le tue risposte: non devi ripetere tutto al telefono.
- You do not need to have found a house yet: the earlier you call, the better
- No documents to prepare for the first phone call
- We call you back in the time slot you choose
- If the deal does not stand up, we tell you straight away
- The initial assessment is free and commits you to nothing
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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