Fiditalia

What Fiditalia does

Fiditalia S.p.A. is an Italian consumer credit company founded in 1981 and headquartered in Milan, operating as a wholly-owned subsidiary of Société Générale since 1989. The company provides a full suite of consumer finance products including personal loans (Fidiamo, Multipremia, Unika) up to €40,000, salary- and pension-backed Cessione del Quinto loans up to €80,000, revolving and installment credit cards (Carta Bianca, Carta Eureka), point-of-sale consumer credit across 10,000+ partner merchants, and vehicle/equipment leasing (Fidelease) up to €80,000. It also distributes bundled credit-protection and asset insurance products (InCircolo, InLiving, Sicuro, SenzaSosta) and operates a sub-brand for mortgages (Fidimutui).

The business is built on an omnichannel distribution model combining a proprietary branch network of 150+ Punti Credito (credit points) staffed by Fiditalia consultants, ~3,500 affiliated auto dealers, 10,000+ partner point-of-sale retailers across home improvement, kitchen, HVAC, renewable energy, and leisure verticals, the MyFiditalia digital self-service portal (web and mobile, available 24/7), a telemarketing operation for insurance upsell, and the 45,000-point Mooney payment network for installment collection. Technology infrastructure consists of a digital lending platform with online simulators, digital signature for loan applications (including Cessione del Quinto since 2022), and SSL-secured online banking. No AI/ML capabilities are disclosed; the stack is conventional consumer-finance technology.

Fiditalia generates revenue primarily through interest income on personal loans, salary-deduction loans, revolving credit balances, and leasing contracts, supplemented by transaction and processing fees (€0–€350 depending on product), insurance distribution commissions from partners including Groupama and Amissima, and partner co-marketing. Reported FY2022 net profit was €74 million, up 21.4% year-over-year. The company holds a leading position in Italian green/renewable-energy consumer finance (>23% market share in 2025) and ranked #1 among non-captive auto finance companies by Assofin in 2013, supported by 35+ years of operating history and Société Générale's capital backing.

Name

Fiditalia

Legal name

Fiditalia S.p.A.

Website

https://fiditalia.it

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Fiditalia is an Italian consumer credit company and Société Générale subsidiary offering personal loans, Cessione del Quinto salary-backed loans, credit cards, leasing, and point-of-sale financing through 150+ branches and 10,000+ partner retailers across Italy.

Ownership category

akta.pro rank

Product category

Consumer Credit

NAICS

Consumer Lending (522291), Nondepository Credit Intermediation (5222), Credit Card Issuing (522210)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Lending & Credit Disbursements (FSAMAKAH)

akta.pro secondary industry

Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD)

Keywords

• Consumer credit
• Personal loans
• Salary-backed loans
• Auto financing
• Revolving credit cards

Headquarters

HQ city

Milano

HQ country

Italy

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain

Revenue model

1. Personal Loans Interest: Interest income from personal loans (Prestiti Personali) ranging from €30,000 to €40,000 with durations of 24-96 months. Revenue generated through interest rates (TAN) and fees including processing fees up to €325.
2. Fifth-of-Salary Assignments: Cessione del Quinto loans for public/private employees and retirees with amounts up to €80,000 and durations of 24-120 months. Revenue from interest and mandatory insurance premiums.
3. Consumer Credit/Auto Financing: Financing for point-of-sale purchases and auto loans through dealer networks. Revenue from interest, processing fees (€0-€350), and collection fees.
4. Revolving Credit Cards: Carta Bianca and Carta Eureka revolving credit cards generating revenue through interest on outstanding balances and transaction fees.
5. Insurance Distribution: Distribution of insurance products including credit protection (Sicuro), vehicle coverage (InCircolo, SenzaSosta), and property insurance (InLiving). Commission revenue from insurance partners.
6. Leasing: Financial leasing for vehicles (Fidelease) and equipment for businesses and professionals with amounts up to €80,000 and durations of 24-72 months.

Pricing tiers

Go-to-market motion4 records

Distribution channels6 records

Marketing channels7 records

Core offering

Fiditalia is a consumer credit company offering personal loans (€30,000-€40,000), salary-backed loans through Cessione del Quinto (up to €80,000) for public/private employees and pensioners, revolving and installment credit cards, point-of-sale consumer credit financing for purchases at 10,000+ partner retailers, and financial leasing for vehicles and equipment. The company distributes these products through 150+ proprietary Punti Credito branches, dealer networks, and a digital self-service portal (MyFiditalia), serving individual consumers and small businesses across Italy.

Product overview

Fiditalia is a consumer finance company and subsidiary of Société Générale, operating as a multi-product financial services platform. The core offering includes personal loans (Fidiamo, Multipremia, Unika), Cessione del Quinto salary deduction loans for employees and pensioners, credit cards (Carta Bianca revolving, Carta Eureka installment), consumer credit through 10,000+ partner merchants, and vehicle/equipment leasing (Fidelease). These products are distributed through a network of credit points (Punti Credito) across Italy, an online portal (MyFiditalia), and partner retailers. Fiditalia also offers supplementary insurance products (InCircolo, InLiving, Sicuro, SenzaSosta) to protect financed assets and credit. The company specializes in green finance with significant market share in renewable energy and energy efficiency financing.

Differentiator

Problem solved

Functional benefit

Brands

• Fidiamo: Personal loan product meeting various customer needs and projects
• Multipremia
• Unika
• Carta Bianca
• Eureka
• Fidelease
• Fidimutui
• MyFiditalia
• InCircolo
• InLiving
• SenzaSosta

Products and services

• Fidiamo Personal Loan Personal loan product for various purposes including auto/moto, home furnishings, renewable energy, renovation, projects and leisure, and wellness. Loan amounts from €30,000 to €40,000, durations 24-96 months, TAN max 13.95%, TAEG max 21.80%. Offers online quote calculation and agency appointment booking.
• Multipremia Personal Loan Personal loan where the installment becomes lighter over time, designed for flexible repayment. Promoted through 2026 prize operations campaigns.
• Unika Debt Consolidation Loan Personal loan for customers with multiple ongoing financings, consolidating multiple loans into a single payment. Designed for individuals managing multiple credit obligations.
• Cessione del Quinto (Salary/Pension-Backed Loan) Loan product where up to one-fifth of salary or pension is deducted directly from the paycheck. Available for private employees, public employees, and pensioners. Amounts up to €80,000, durations 24-120 months. Includes mandatory insurance and digital signature capability.
• Carta Bianca Revolving Credit Card Revolving credit card for existing Fiditalia customers offering flexible spending and repayment. Credit line €1,500-€3,000 (extendable to €5,000), TAN max 16.80%, TAEG max 18.16%. Available in ecofriendly version made from recycled PVC. Reserved for existing clients with 6+ months relationship.
• Carta Eureka Installment Credit Card Credit card allowing installment payments for expenses made, with contactless payment capability and 3D Secure for online shopping. Designed for flexible installment-based repayment.
• Revolving Credit Line Flexible and rechargeable credit line that can be used over time, with partial or total extinction options. Allows ongoing access to funds with repayment flexibility.
• Credito al Consumo (Point-of-Sale Consumer Credit) Consumer credit at point of sale through 10,000+ partner merchants, offering installment solutions tailored to customer needs. Available through partner retailers in automotive, home improvement, furniture, renewable energy, and other sectors. Processing fees €0-€350 by sector.
• Fidelease Financial Leasing Financial leasing for vehicles and equipment with comprehensive service, available for sole proprietors, companies, professionals, and individuals with VAT number. Amounts up to €80,000, durations 24-72 months, fixed or variable TAN (Euribor 3M). Includes mandatory RC Auto and theft insurance.
• MyFiditalia Client Portal Client portal accessible via desktop, smartphone and tablet offering real-time account information, online operations (including bank account changes, early loan repayment, document management), credit card activation/blocking, and loan applications. Service is free and available 24/7.
• InCircolo F&I Vehicle Insurance F&I insurance coverage for vehicles purchased through Fiditalia financing, including theft and fire protection. Available for standard financing and leasing contracts.
• InLiving Property Insurance Fire and damage insurance policy for financed property and assets, providing protection for assets purchased through Fiditalia financing.
• SenzaSosta Extended Warranty Extended warranty for used cars, available through point of sale and telemarketing channels. Combinable with Fiditalia financing for used vehicle purchases.
• Sicuro Credit Protection Insurance Credit protection insurance policy bundled with Fiditalia financing, available through point of sale and telemarketing. Protects loan repayment in case of unforeseen events.
• Fidimutui Mortgage Mortgage product under the Fiditalia brand for property purchase financing.

Quantifiable outcome

• 23%+ market share in renewable energy and energy efficiency financing (2025)
• +4 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

22 partnerships are on record, tiered core and minor.

• EdilKamincoreStrategic or Co-development Partner · 1 October 2016Partnership for financing heating systems including stoves, boilers, and fireplaces. Offered 0% interest promotions for purchasing EdilKamin products for residential heating.
• ViessmanncoreStrategic or Co-development Partner · 21 October 2013Partnership for promoting energy efficiency through financing for Viessmann heating, cooling, and photovoltaic systems. Provides customers with favorable credit terms for purchasing high-efficiency equipment.
• SunEdisoncoreStrategic or Co-development Partner · 21 June 2012Strategic partnership for residential photovoltaic financing. Fiditalia provides financing for SunEdison 'Solar in a Box' photovoltaic systems with customizable repayment plans up to 15 years, with first payment due after installation and certification.
• Aran CucinecoreStrategic or Co-development PartnerLong-standing partnership for kitchen financing with 0% interest promotions (TAN 0%, TAEG 0%). Multiple promotional campaigns across years (2014-2019).
• Arredo3minorChannel Partner/ Reseller/ DistributorPartnership for kitchen financing solutions for Arredo3 customers.
• Schüco ItaliaminorStrategic or Co-development PartnerPartnership for financing windows, doors, and sliding systems for home comfort and energy efficiency improvements.
• DomalminorChannel Partner/ Reseller/ DistributorPartnership for financing aluminum window and door systems from Domal/SAPA Building Systems.
• SnaiderominorChannel Partner/ Reseller/ DistributorKitchen financing partnership offering 0% TAN promotions for Snaidero kitchen purchases.
• Piscine CastiglioneminorChannel Partner/ Reseller/ DistributorPartnership for swimming pool financing through exclusive dealer network.
• JoannesminorStrategic or Co-development PartnerPartnership for financing heating, air conditioning, and photovoltaic systems from Joannes.
• KloverminorChannel Partner/ Reseller/ DistributorPartnership for eco-friendly heating system financing with 0% interest promotions.
• CasaTua RelaxminorChannel Partner/ Reseller/ DistributorPartnership announced January 2022 for financing sofas, armchairs, beds, and mattresses from CasaTua Relax (Gruppo Paterno).
• CamperbusinessminorChannel Partner/ Reseller/ DistributorPartnership for financing new and used Pilote campers through 13 dealers across Italy.
• Mahindra EuropeminorChannel Partner/ Reseller/ DistributorCommercial agreement for financing Mahindra vehicles in Europe, including the XUV500 and other models.
• Groupama AssicurazioniminorChannel Partner/ Reseller/ DistributorDistribution partnership for credit card products and insurance solutions. Groupama is an international insurance and banking group.
• Amissima AssicurazioniminorChannel Partner/ Reseller/ DistributorPartnership for distribution of Amissima revolving credit card for insurance premium installment payments.
• MooneyminorChannel Partner/ Reseller/ DistributorPayment network partnership allowing customers to pay Fiditalia bills and installments at 45,000 Mooney points, website, and app.
• U.S. Triestina CalciominorGTM or Marketing PartnerSports sponsorship as main sponsor (main sponsor 2018-2019 season) and continuing partnership through ASU sports club initiatives.
• ASU (Associazione Sportiva Udinese)minorGTM or Marketing PartnerSports sponsorship partnership for ASU athletic activities and events, continued through 2022. Includes association with events and brand visibility.
• Valore DminorGTM or Marketing PartnerMembership in Valore D network committed to inclusion, equity, gender equality, and talent diversity since May 2022.
• Automotive Dealer DaycoreGTM or Marketing PartnerAnnual Silver Sponsorship of the premier B2B automotive event in Europe. Fiditalia has participated as Silver Sponsor multiple years (2013-2026) at Veronafiere.
• Key - The Energy Transition ExpocoreGTM or Marketing PartnerPartnership as financial sponsor at the major energy transition exhibition in Rimini. Participated as exhibitor (Padiglione A1, Stand 140) in 2024-2026.

Scale indicators7 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• UniCredit: UniCredit is one of Italy's largest banks and offers consumer credit, personal loans, and credit cards through its retail banking network. While not specialized in non-captive consumer credit, it competes with Fiditalia on personal loans and credit cards as part of a much broader financial services portfolio.
• Volkswagen Financial Services: Volkswagen Financial Services is the captive finance arm of the Volkswagen Group in Italy, offering auto loans and leasing for VW, Audi, Porsche, and other group brands. While captive (manufacturer-affiliated), it competes with Fiditalia for auto dealer financing relationships and end-customer auto loans.
• BNL – BNP Paribas Personal Finance: BNL is the Italian retail bank of BNP Paribas and distributes consumer credit through its branch network alongside Findomestic. It overlaps with Fiditalia on personal loans and salary-backed loans from the broader Italian banking perspective.
• Intesa Sanpaolo: Intesa Sanpaolo is Italy's largest banking group, offering personal loans, salary-backed loans (with its Agos-linked products historically), and credit cards as part of a full banking suite. It competes with Fiditalia on consumer credit products through both direct and partner channels.
• Santander Consumer Bank: Santander Consumer Bank is the Italian arm of Santander's consumer finance business, offering auto loans, personal loans, and POS financing. It is a broader European incumbent that overlaps significantly with Fiditalia's auto financing and consumer credit product lines.

Direct peers

• Cofidis Italia: Cofidis Italia is the Italian subsidiary of Crédit Mutuel's Cofidis, offering personal loans, revolving credit, and POS financing through both digital and partner channels. As a foreign-banking-group-affiliated consumer lender, it competes directly with Fiditalia for similar Italian customer segments.
• Agos Ducato: Agos is a major Italian consumer credit provider owned by Crédit Agricole, offering personal loans, salary-backed cessione del quinto loans, revolving cards, and auto financing. As a French-banking-affiliated competitor with similar product breadth and Italian branch/dealer footprint, it is one of Fiditalia's closest direct peers.
• Compass: Compass is the consumer credit arm of Banca Mediolanum, providing personal loans, salary-backed loans, credit cards, and POS financing in Italy. It competes head-to-head with Fiditalia across nearly all major consumer credit categories with a comparable digital + branch distribution model.
• Findomestic: Findomestic is a leading Italian consumer credit company and subsidiary of BNP Paribas, operating as Société Générale's primary French-banking-group rival in the same Italian market. It offers personal loans, salary-backed loans, credit cards, and POS financing — directly mirroring Fiditalia's product suite and dealer-distribution model.

Regional players

• Deutsche Bank Easy: Deutsche Bank Easy is the Italian consumer finance arm of Deutsche Bank, offering personal loans and credit products. It is a comparable foreign-bank-affiliated consumer credit competitor in Italy, though with a smaller market footprint than Fiditalia or Findomestic.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/fiditalia1
• Facebookfacebook.com/Fiditalia
• LinkedInit.linkedin.com/company/fiditalia

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Fiditalia