Crediper

What Crediper does

Crediper is the consumer credit brand operated by BCC CreditoConsumo S.p.A., an Italian Società per Azioni wholly owned by Iccrea Banca S.p.A. and embedded within Gruppo Bancario Cooperativo Iccrea, the largest Italian cooperative banking group. The company designs and distributes personal loans and adjacent consumer credit products — Prestito Online (online personal loans), Prestito Green (green financing for energy-efficiency upgrades), CQP and CQS standardized credit products, Delegazione di Pagamento, and Anticipo TFS — to Italian retail borrowers through two principal channels: the nationwide branch network of Banche di Credito Cooperativo (BCC) affiliated with the Iccrea group, and a digital online application platform. The entity is regulated under Article 106 of Legislative Decree 385/93 (Albo Unico No. 55) and registered as an IVASS insurance intermediary (Section D, No. D000364581), with €46 million of share capital and the CREDIPER trademark licensed in from Iccrea Banca.

The technology foundation is a digital lending platform built on Microsoft SharePoint for the public-facing website and a Java-based customer portal (Area Riservata CreCo), hosted on Microsoft Azure with ARRAffinity session continuity. It is augmented with Matomo and Google Analytics, marketing automation, paid social/display campaigns (Facebook, LinkedIn, Teads) for remarketing, and Vivocha live chat for customer engagement. Online simulation tools (Preventivatore / Simulatore) provide indicative TAN/TAEG quotes (example shown: €9,700 over 60 months at 7.40% TAN, 7.77% TAEG, €193.91/month) before formal underwriting. Third-party products (Vivibanca, GiustoXte) are also distributed through the same channel to broaden the wallet.

Revenue is generated primarily through interest income on unsecured personal loans, with rates fixed at the consumer level and tailored to creditworthiness on assessment. Distribution is branch-assisted with a digital self-serve layer, targeting individual Italian retail borrowers for vehicle purchases, home improvements, and general consumer projects. Leadership comprises President Angelo Porro and General Director Luca Gasparini. No external funding, M&A, or revenue figures are disclosed, consistent with a wholly-owned captive consumer credit subsidiary inside the cooperative banking group.

Name

Crediper

Legal name

BCC CreditoConsumo S.p.A.

Website

https://crediper.it

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

101–250 employees

Short description

Crediper is the consumer credit brand of BCC CreditoConsumo S.p.A., a wholly-owned subsidiary of Italy's Gruppo Bancario Cooperativo Iccrea, offering personal loans and green financing to Italian retail borrowers via a nationwide cooperative bank branch network and digital online platform.

Ownership category

akta.pro rank

Headquarters

HQ city

Rome

HQ country

Italy

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Consumer Lending - Personal Loans: Crediper generates revenue through interest income on personal loans (prestiti personali) extended to consumers. Loans are offered with fixed interest rates (TAN) and are repaid in monthly installments over a defined term. Revenue accrues from the spread between the cost of funds and the lending rate charged to borrowers. The primary product is an unsecured personal loan distributed via BCC branches and the online channel.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Crediper designs and distributes customized personal loans (Prestito Online Crediper) to Italian consumers for household, wellness, and vehicle financing needs. Products are delivered through a hybrid digital channel (online simulator and application) and the nationwide branch network of Banche di Credito Cooperativo affiliated with Gruppo Bancario Cooperativo Iccrea. Specialized variants such as Prestito Green (for energy-efficiency home improvements), standardized consumer credit (CQP, CQS), and ancillary services such as Delegazione di Pagamento and Anticipo TFS round out the offering.

Product overview

Crediper is the financing product brand of BCC CreditoConsumo S.p.A., a subsidiary of Gruppo Bancario Cooperativo Iccrea. The offering centers on personal loans (Prestito Online) available through both digital channels and physical bank branches (BCC). The product portfolio includes branded loan variants such as Prestito Green (eco-focused loans for home improvements), along with standardized credit products CQP and CQS. Additional offerings include Delegazione di Pagamento (payment delegation) and Anticipo TFS (end-of-service benefit advances). Third-party products such as GiustoXte and Vivibanca products are also distributed. The platform provides online loan simulation tools and operates a customer portal (Area Riservata CreCo) for account management. The company operates under IVASS authorization as an insurance intermediary (Section D, No. D000364581) and is regulated under Article 106 of D.Lgs. 385/93.

Differentiator

Problem solved

Functional benefit

Brands

• Prestito Online Crediper: Personal loan product offered to consumers for various financing needs including home improvements, vehicles, and other personal projects.
• Prestito Green

Products and services

• Prestito Online Crediper

Quantifiable outcome

• Loans available with indicative TAEG as low as 7.77% (example: 60 months, €9,700 at 7.40% TAN)

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Gruppo Bancario Cooperativo IccreacoreStrategic or Co-development PartnerCrediper is the financing product brand of the Banche di Credito Cooperativo (BCC) that adhere to Gruppo Bancario Cooperativo Iccrea. The group provides the institutional framework, brand backing, and regulatory structure within which Crediper operates. Crediper products are distributed through BCC branches across Italy.
• VivibancaminorChannel Partner/ Reseller/ DistributorVivibanca is a third-party product distributed by BCC CreditoConsumo. Crediper's parent company distributes Vivibanca products alongside its own Crediper loan products through the BCC network, expanding the range of financial solutions available to customers.
• Banche di Credito Cooperativo (BCC) NetworkcoreChannel Partner/ Reseller/ DistributorThe network of Banche di Credito Cooperativo that are members of Gruppo Bancario Cooperativo Iccrea acts as the primary distribution channel for Crediper loan products. Branch advisors provide in-person consulting and support customers through the loan application and management process.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Agos Ducato: One of Italy's largest consumer credit companies, jointly owned by Crédit Agricole and Banco BPM. Offers personal loans, auto loans, and revolving credit through digital and partner channels — directly competing with Crediper for the same Italian consumer borrower.
• Cofidis Italia: Italian arm of Crédit Mutuel's Cofidis, offering personal loans and revolving credit to Italian consumers through e-commerce, banking, and dealer partnerships. Directly comparable in target customer and unsecured personal loan product set.
• Vivibanca: Italian consumer credit company (Banca Vivibanca) offering personal loans and salary-backed loans, partly distributed through the BCC CreditoConsumo network alongside Crediper products. Operates in the same Italian consumer credit market with similar customer profile.
• Findomestic Banca: Italian consumer credit leader owned by BNP Paribas Personal Finance. Specializes in personal loans, auto loans, and home improvement financing through bank partnerships and digital channels — directly overlapping Crediper's Prestito Online and Prestito Green propositions.
• Compass Banca: Mediobanca group consumer credit arm. Offers personal loans, special-purpose loans, and revolving credit across Italy via digital and partner networks. Closely comparable in product mix and target customer (Italian retail borrowers).
• Santander Consumer Bank (Italy): Subsidiary of Santander Group focused on Italian consumer credit, including personal loans, auto financing, and dealer financing. Competes head-to-head with Crediper in unsecured consumer credit, particularly through bank and dealer partnerships.

Emerging players

• Scalapay: Italian-origin BNPL provider enabling installment payments at point of sale. Targets a younger, more digital consumer segment and competes for share of consumer financing wallet that historically flowed to personal loans like Crediper's.
• PrestitiOnline.it: Italian online loan comparison and brokerage platform. Routes consumer loan applications to multiple lenders — an indirect competitor to Crediper's direct origination model, capturing Italian borrowers who comparison-shop online before committing to a provider like Crediper.
• Soisy: Italian fintech offering peer-to-backed installment loans for online purchases. Operates at the intersection of consumer credit and e-commerce financing, competing for some of the same use cases (vehicle, home improvement) as Crediper's personal loans.

Broad incumbents

• Banca Mediolanum: Large Italian retail bank offering personal loans and consumer credit as part of a broader banking suite. Competes with Crediper for the same Italian household borrower, but as a diversified bank rather than a specialist consumer credit provider.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xfacebook.com/crediper
• YouTubeyoutube.com/channel/UCjuhVqVegmy2UzY2DN5JI4g/videos
• Facebookfacebook.com/crediper
• LinkedInit.linkedin.com/company/bcc-creditoconsumo-s.p.a.

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Crediper