What Prestiti.it does

Prestiti.it is an Italian online loan comparison platform founded in 2008 and operated by Facile.it Mediazione Creditizia S.p.A., a credit intermediary regulated by Banca d'Italia and registered with the OAM (Organismo Agenti e Mediatori) under number M201. The platform serves Italian consumers comparing and requesting personal loans (up to €100,000), debt consolidation, home loans, auto loans, motorcycle loans, cessione del quinto (up to €75,000), quick loans, small loans (€500-€3,000), and business loans. Offerings are aggregated from 14+ partner banks and financial institutions including Agos, Findomestic, Cofidis, Compass, Younited Credit, IBL Banca, Pitagora, Banca Sella, Banca Ifis, Crediper, Bibanca, Creditis, ConTe, and BNL-BNP Paribas, with TAEG ranges between 6.69% and 15.37% depending on loan type and term.

The platform uses a proprietary comparison engine that pulls daily-updated conditions from partner institutions and returns personalized offers based on user-entered criteria (amount, duration, purpose). Distribution is purely digital and self-service: users land on purpose-specific pages via organic search, use a free loan calculator, request a personalized quote, and are forwarded to the chosen partner for final approval. The GTM is product-led with no field sales force. Monetization is via affiliate referral commissions from lenders when users submit loan requests; consumers pay no fees. More than 30,000 customers per month use the comparator, with an average user rating of 4.3 out of 5 based on 56-60 votes.

Prestiti.it operates as a single-country business within Gruppo Facile.it, a diversified Italian comparison platform group that also includes Assicurazione.it, Mutui.it, BolletteCasa.it, MiaCar.it, and ContiCarte.it. The group provides shared infrastructure, brand recognition, and cross-promotional traffic. Prestiti.it also publishes an editorial content library (Credito e Consumi blog, comprehensive guides, glossario) that drives long-tail SEO traffic and positions the site as an authority on Italian consumer credit.

Name

Prestiti.it

Legal name

Facile.it S.p.A. con socio unico

Website

https://prestiti.it

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

Prestiti.it is an Italian online loan comparison platform serving Italian consumers with personal loans, debt consolidation, home, auto, and cessione del quinto products. Founded in 2008 within Gruppo Facile.it and operated by Facile.it Mediazione Creditizia S.p.A., it aggregates 14+ lender partners and serves 30,000+ users monthly via free self-service comparison.

Ownership category

akta.pro rank

Product category

Loan Comparison Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Lead Generation, Comparison & Marketplace Platforms (Financial Products) (FSAEAMAM)

Keywords

• Loan comparison
• Consumer credit
• Credit intermediation
• Personal loans
• Financial product comparison

Headquarters

HQ city

Milan

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Marketing or Sales, Technology or R&D, Personnel, Operations

Revenue model

1. Commission-based referral fees: Prestiti.it earns commission fees from partner banks and financial institutions each time a user submits a loan request through the platform. The service is free for consumers. The company updates loan conditions daily from partner financial institutions to maintain accuracy.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Prestiti.it is a free online loan comparison platform that aggregates personal, auto, home, motorcycle, debt-consolidation, salary-backed (cessione del quinto), small, quick, and business loan offers from more than 30 partner banks and financial institutions in Italy. Italian consumers use the platform to compare conditions across lenders, run installment simulations, request personalized quotes, and submit loan applications which are then forwarded to partner institutions for final approval and disbursement. The platform is operated by Facile.it Mediazione Creditizia S.p.A., a credit intermediary regulated by Banca d'Italia and registered with the OAM under number M201.

Product overview

Prestiti.it is an Italian online loan comparison platform operated by Facile.it Mediazione Creditizia S.p.A. (registered with the Bank of Italy and OAM under number M201), which acts as a credit intermediary rather than a direct lender. The platform aggregates loan offers from over 30 partner banks and financial institutions including Agos, Findomestic, Cofidis, Compass, Younited Credit, IBL Banca, Pitagora, Banca Sella, Banca Ifis, Crediper, Bibanca, and Creditis. The core offering consists of a free comparison service allowing users to compare and request personal loans (up to 100,000 euros), debt consolidation, home loans, auto loans, motorcycle loans, fifth-of-salary loans (up to 75,000 euros), business loans, quick loans, and small loans. Supporting tools include a loan calculator for monthly payment simulation, loan quote request functionality, and an educational blog (Credito e Consumi) with guides and news on the Italian credit market. The service also covers purpose-specific loans such as home renovation, furniture, garage/property purchase, travel, wedding/ceremonies, and education/university loans.

Differentiator

Problem solved

Functional benefit

Products and services

• Prestiti Personali (Personal Loan Comparison) Comparison and request service for personal loans up to 100,000 euros available to Italian consumers for any purpose, aggregating offers from partner banks and financial institutions without requiring the borrower to declare the use of funds.
• Consolidamento Debiti (Debt Consolidation Loan Comparison) Comparison service that consolidates multiple existing debts into a single loan with a single monthly installment, simplifying financial management for Italian borrowers.
• Prestiti Casa (Home Loan Comparison) Comparison service for home purchase loans, aggregating financing amounts and terms from partner banks and financial institutions in Italy.
• Prestiti Auto (Auto Loan Comparison) Comparison service for vehicle financing, presenting competitive rates from partner financial institutions for new or used car purchases.
• Cessione del Quinto (Salary/Pension-Backed Loan Comparison) Comparison service for loans repaid through direct deduction from the borrower's salary or pension, capped at one-fifth of net income and available up to 75,000 euros for employees and retirees.
• Prestiti Moto (Motorcycle Loan Comparison) Comparison service for motorcycle financing, presenting rates across partner financial institutions for new or used motorcycle purchases.
• Prestiti Ristrutturazione (Home Renovation Loan Comparison) Comparison service for home renovation loans, aggregating financing options from partner financial institutions for property renovation and improvement projects in Italy.
• Prestiti Veloci (Quick Loan Comparison) Comparison service for quick-approval loans with fast disbursement timelines offered by partner financial institutions to address urgent Italian consumer financing needs.
• Piccoli Prestiti (Small Loan Comparison) Comparison service for small-value loans typically ranging from 500 to 3,000 euros, designed for minor financial needs with shorter repayment terms.
• Prestiti Imprese (Business Loan Comparison) Comparison service for business loans addressing Italian enterprises and self-employed professionals, with financing solutions tailored to business needs.
• Preventivo Prestito (Personalized Loan Quote Request) Free online service that generates personalized loan quotes by comparing offers from partner Italian banks and financial institutions based on the user's financial profile.
• Calcolo Rata Prestito (Loan Installment Calculator) Free simulation tool that calculates estimated monthly loan installments based on loan amount, duration, and interest rates to help Italian consumers assess affordability.

Quantifiable outcome

• 30,000+ customers per month use the comparison service to find financing
• +1 more outcomes

Named customers14 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

16 partnerships are on record, tiered core.

• Facile.it S.p.A.coreStrategic or Co-development PartnerPrestiti.it is operated by Facile.it S.p.A. with sole shareholder. It is part of the Facile.it Group which includes comparison platforms for insurance (Assicurazione.it), mortgages (Mutui.it), utility bills (BolletteCasa.it), car leasing (MiaCar.it), and current accounts (ContiCarte.it). The group provides the operational infrastructure, brand, and cross-promotional ecosystem for Prestiti.it.
• Facile.it Mediazione Creditizia S.p.A.coreStrategic or Co-development PartnerCredit mediation service for mortgages and consumer credit is managed by Facile.it Mediazione Creditizia S.p.A., registered with OAM (Organismo Agenti e Mediatori) under number M201. This entity holds the regulatory license enabling the platform to operate as a credit intermediary.
• AgoscoreChannel Partner/ Reseller/ DistributorAgos is a major Italian financial institution and one of the primary lending partners on the Prestiti.it platform. Offers personal loans with example TAN of 6.40% and TAEG of 8.61% for a 5,000 euro 60-month loan. Agos products are prominently featured on the comparison platform.
• FindomesticcoreChannel Partner/ Reseller/ DistributorFindomestic is a flagship lending partner offering personal loans and cessione del quinto through the platform. Example loan conditions: TAN 8.25%, TAEG 8.57% for 5,000 euro over 60 months. For cessione del quinto: TAN 6.71%, TAEG 6.92%, with 32,550 euro disbursed over 120 months at 373 euro/month.
• CofidiscoreChannel Partner/ Reseller/ DistributorCofidis is a prominent financial partner listed among the main partner institutions on the Prestiti.it platform, offering consumer credit products through the comparison service.
• CompasscoreChannel Partner/ Reseller/ DistributorCompass is a major Italian financial institution featured as a partner on Prestiti.it. For a 6,000 euro loan over 36 months: TAN 11.90%, TAEG 14.33%, monthly payment 201.98 euro, disbursed in 1 day.
• Younited CreditcoreChannel Partner/ Reseller/ DistributorYounited Credit is a partner lender offering personal loans through the platform. For a 10,000 euro loan over 60 months: TAN 7.14%, TAEG 7.38%, monthly payment 198.67 euro, total due 11,920 euro — one of the most competitive offers in the comparison.
• IBL BancacoreChannel Partner/ Reseller/ DistributorIBL Banca is listed as a partner financial institution on Prestiti.it, offering loan products through the comparison platform.
• PitagoracoreChannel Partner/ Reseller/ DistributorPitagora is a partner financial institution featured on Prestiti.it's partner list, providing loan products through the comparison service.
• Banca Sella (Sella Personal Credit)coreChannel Partner/ Reseller/ DistributorBanca Sella / Sella Personal Credit is a partner lender on the platform. For a 6,000 euro loan over 36 months: TAN 8.90%, TAEG 9.48%, monthly payment 190.52 euro, disbursed in 5 days.
• Banca IfiscoreChannel Partner/ Reseller/ DistributorBanca Ifis is listed among the partner financial institutions on Prestiti.it, offering consumer credit products through the comparison platform.
• CredipercoreChannel Partner/ Reseller/ DistributorCrediper is a partner financial institution listed on Prestiti.it's partner network.
• BibancacoreChannel Partner/ Reseller/ DistributorBibanca is a partner lender offering cessione del quinto through Prestiti.it. For a private employee with 20 years seniority, net monthly salary 1,600 euro: disbursed amount 33,601 euro, monthly payment 373 euro, 120 months, TAN 6.00%, TAEG 6.17% — one of the highest disbursed amounts in comparison.
• CreditiscoreChannel Partner/ Reseller/ DistributorCreditis is a partner lender featured on Prestiti.it. For a 5,000 euro loan over 60 months: TAN 6.75%, TAEG 8.51%, monthly payment 99.40 euro. For a 10,000 euro loan over 60 months: TAN 7.06%, TAEG 8.29%, monthly payment 200.28 euro.
• ConTecoreChannel Partner/ Reseller/ DistributorConTe is a partner financial institution on Prestiti.it offering personal loans. For a 5,000 euro loan over 60 months: TAN 7.50%, TAEG 8.78%, monthly payment 100.19 euro.
• BNL - BNP ParibascoreChannel Partner/ Reseller/ DistributorBNL - BNP Paribas is a partner bank offering cessione del quinto through Prestiti.it. For a private employee simulation: disbursed amount 31,013 euro, monthly payment 373 euro, 120 months, TAN 7.80%, TAEG 8.08%.

Scale indicators6 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Segugio.it: Long-standing Italian financial comparison platform covering loans, mortgages, and insurance. Directly competes with Prestiti.it for the same Italian consumer looking to compare personal loan offers and rates.
• SOSTariffe.it: Italian price and financial product comparison platform including personal loans and consumer credit. Overlaps with Prestiti.it's target audience and SEO-driven acquisition strategy.
• Mutui.it: Sister platform within Gruppo Facile.it focused on mortgage comparison. Operates the same business model and earns referral commissions from Italian lenders, making it the closest direct comparable for Prestiti.it's mortgage intermediation flows.
• ComparaMeglio.it: Italian online loan and credit comparison aggregator with a similar self-serve marketplace model. Competes head-to-head on loan comparison queries and partner lender relationships in the Italian market.
• PrestitiOnline.it: Italian online personal loan aggregator connecting borrowers with multiple banks and financial institutions. Competes directly with Prestiti.it on personal loan comparison and lead generation.

Emerging players

• Younited Credit: European digital consumer lender present in Italy as a partner lender on Prestiti.it. Compares as a vertically integrated lender that is also building direct-to-consumer comparison and origination capabilities, potentially overlapping with the aggregator model.
• ConfrontaConti.it: Italian comparison site focused on banking products with growing loan comparison functionality. Provides partial overlap with Prestiti.it's core offering and competes for similar Italian consumer traffic.

Broad incumbents

• Facile.it: Parent-group umbrella platform for comparison of insurance, utilities, mortgages, and financial products in Italy. Directly comparable as the broader ecosystem Prestiti.it sits within; shares traffic, brand, and operational infrastructure.

Regional players

• Agos: One of the largest Italian consumer credit providers (Crédit Agricole and Banco BPM JV) and a flagship partner lender on Prestiti.it. Relevant as a direct-to-consumer alternative that competes with the platform's referral flow.
• Findomestic: Major Italian consumer credit provider (BNP Paribas group) and partner lender on Prestiti.it. Comparable as a benchmark for end-to-end consumer credit origination in Italy, though it operates as a direct lender rather than a comparison platform.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Prestiti.it