Italian Auto Loan Calculator 2024
Calculate your monthly car payments (rata) with accurate TAN/TAEG rates. Compare major Italian banks and understand the true cost of financing your car in Italy.
Italian Auto Financing Calculator
This calculator helps you understand the complete cost of your car loan in Italy, including the important difference between TAN (nominal rate) and TAEG (APR including all fees).
Your Financing Summary
Italian Bank Comparison 2024
| Bank / Lender | TAN Range | TAEG Range | Max Term | Minimum Anticipo | Special Features |
|---|---|---|---|---|---|
| Intesa Sanpaolo | 4.2% - 7.8% | 5.0% - 9.2% | 10 years | 20% | Discount for "XME Conto" holders |
| Unicredit | 4.5% - 8.2% | 5.3% - 9.8% | 8 years | 15% | Green car discounts available |
| BNL BNP Paribas | 4.8% - 8.5% | 5.6% - 10.1% | 7 years | 20% | Fast online approval |
| Findomestic | 5.5% - 11.0% | 6.8% - 13.5% | 8 years | 10% | Dealer partnerships |
| Agos | 5.8% - 12.0% | 7.2% - 14.8% | 10 years | 0% (special offers) | 100% financing possible |
| Compass | 4.0% - 7.5% | 4.8% - 9.0% | 8 years | 30% | Lowest rates for excellent credit |
🇮🇹 Key Italian Financial Terms
Tasso Annuo Nominale - The nominal interest rate excluding fees and insurance. Used to calculate your monthly interest payment.
Tasso Annuo Effettivo Globale - The true APR including all costs. By Italian law, this must be prominently displayed.
The down payment. Typically 20-30% of vehicle value. Larger anticipo means better rates.
The monthly payment amount. Usually fixed for the entire loan duration in Italy.
📋 Required Documentation
In Italy, you'll need: Carta d'Identità, Codice Fiscale, proof of income (busta paga or CUD), proof of residence, and sometimes a garante (guarantor) for younger buyers.
💡 Italian Market Tips
Negotiate at end of quarter when dealers have targets. Consider "prestito personale" for used cars. Always compare TAEG, not just TAN rates.
⚡ Fast Approval
Online lenders like Soldionline and Prestiti.it offer approval in 24-48 hours. Traditional banks take 5-10 business days for full processing.
🏛️ Intesa Sanpaolo Auto Financing
Italy's largest bank offers competitive rates through their "Prestito Auto" product, with special discounts for existing customers.
Intesa Sanpaolo Quote
🔷 Unicredit Auto Loan
Unicredit offers specialized "Prestito Auto Sicuro" with integrated insurance options and electric vehicle discounts.