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Your useful numbers

Toll-free number

From Italy: 800 22 55 77

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Personal loans


I do not have a Widiba account, can I ask for a loan just the same?

Even if you are not a Widiba customer you can still ask for a personal loan. Ask for a quote, choose the monthly repayment and enter the requested personal details. You can choose to complete your request online by becoming a Widiba customer or by continuing without an Account.

Why choose a a Findomestic personal loan for Widiba?

Because you do everything online, with no paper forms to fill out and submit, wherever you are: from digital signature to loan application, through to uploading all the necessary documents related to the applicant and guarantors (if any). In a few simple steps, choose the instalment that suits you best and tailor the loan to your needs. Plus: no credit application fees, no fees for statements or repayment communications, mandatory fees paid by Findomestic (stamp duty and substitutive tax).

What are the amount limits for requesting a Findomestic personal loan for Widiba?

The Findomestic loan for Widiba can be requested for amounts between minimum 1,000 euro and maximum 40,000 euro.

What are the term limits for requesting a Findomestic personal loan for Widiba?

The Findomestic loan for Widiba can be requested for amounts between minimum 1,000 euro and maximum 40,000 euro.

How can I repay the Findomestic personal loan for Widiba?

The term for a Findomestic Loan for for Widiba can vary between 12 and 108 months depending on the individual project you want to fund.

Who can ask for a Findomestic personal loan for Widiba?

You can request a Findomestic personal loan for Widiba if you have a project that needs funding and you meet the conditions below: • your age must be between 18 and 75 years • you can prove you have income by providing a payslip, pension slip or your most recent tax returns form if your are self-employed • you must be resident in Italy

How does the Change Repayment work?

The Findomestic Personal Loan for Widiba allows you to independently change your starting repayment amount through the Change Repayment option: you can use it once a month for the entire term of your loan and it is always completely free. Change Repayment will show the highest and lowest repayment amounts for your loan and you can choose a value between them. You can use the Change Repayment option if: • you have already repaid no fewer than 6 instalments • you pay your instalments on time using Direct Debit • you have not used the Skip Repayment option at the same time to skip an instalment

How does the Skip Repayment work?

Skip repayment is a completely free option that allows you, 3 times during the term of your Findomestic Loan for Widiba, to skip the repayment of an instalment. The skipped repayments will be added at the end of the loan. There must be at least 12 months between skipped repayments. You may use this option if: • you have already repaid no fewer than 6 instalments • you pay your instalments on time using Direct Debit • you have not used the Change Repayment option at the same time to change the amount you pay back each month

What documents are needed to ask for a Findomestic personal loan for Widiba?

A document proving your income: if you are an employee, you can use your 2 most recent payslips. If you are self-employed, you can provide your Modello Unico (Unified Tax Return form) with its submission receipt and and an F24 form with the payment receipt. If you are retired, use the most recent two payment slips and the Obis or CU forms. Identity document and tax code: if you are a Widiba customer you have already supplied these when you opened your account. We will send them to Findomestic, which makes the application simpler for you. We simply ask you to check that the documents you have provided us with are still valid and have not been lost or stolen. Only in this case, before proceeding with the request for a personal loan, you must supply us with new valid documents via the specific tool.

If the loan is charge-free, why are the APR and EAPR not identical?

A document that proves your income: If you are an employee, you can use your latest payslip and your Certificazione Unica (wage and tax statement). If you work as a freelancer, you can submit the Modello Unico tax return complete with submission receipt and the F24 tax payment form complete with payment receipt. If you are retired, use the last two pay slips and the OBIS or CU forms. ID and taxpayer’s code: If you are already a Widiba customer, you will already have provided these documents at the time of opening your current account and we can send them to Findomestic directly, thus simplifying the procedure for you. We ask you only to check that the documents you submitted are still valid and that they have not been stolen or lost. Only in this case, before proceeding with your personal loan request, you will have to provide us with new valid documents by using the relevant application.

If I have an cost-free loan, why are the nominal interest rate and the effective annual percentage rate not identical?

Although you have an cost-free loan, the eAPR and the NIR are not aligned for a purely technical reason: the eAPR takes into account the capitalisation of interests during the year, which makes it slightly higher than the nominal interest rate.

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