Founded in Cremona in 2021, PRESTIVANA combines technological excellence with traditional banking expertise to transform access to financing into a transparent experience, free of hidden costs and guided by fair, fixed rates.
+180 million euros
Funds Disbursed
TAN 3.00%
Guaranteed Fixed Rate
98%
Customer Satisfaction
OAM Register M117
Official Regulations
Bank of Italy Supervision
Compliance with Article 128 of the TUB
100% Digital & Ethical
SPID Signature & Paperless
Over 45,000 Customers
In all Italian regions
Data certified by our annual transparency report. Results built on the trust of families and strong banking partnerships.
Total volume brokered from the launch through the end of 2021 to the present for personal loans, auto loans, and home renovation loans.
Families, young couples, self-employed individuals, and retirees who secured favorable terms without leaving home.
Document review and initial feasibility assessment in just 24 business hours thanks to the digital application process.
Over 3,800 verified customer reviews praising the clarity of the terms and conditions and the helpfulness of the advisors.
In 2021, the consumer credit sector in Italy continued to suffer from a long-standing problem: contractual opacity. Customers were lured in by bait rates, only to find themselves saddled with APRs inflated by optional—but effectively mandatory—insurance policies, account maintenance fees, and unjustified application fees.
We founded PRESTIVANA based on a fundamental question: "What would happen if a financial platform operated with the transparency of an open spreadsheet and the empathy of a family financial advisor?"
By rejecting traditional models focused solely on placement margins, we have developed a direct infrastructure that eliminates costly physical intermediaries. This allows us to offer capped rates—such as our promotional program at fixed rate 3.00% – ensuring financial stability for our customers at every stage of their life cycle.
"Credit isn't just a number in a bank account: it's buying the family car, starting an energy-efficiency renovation, and ensuring a secure future for a child. Treating it with respect and fairness is our ethical duty."
Mairead McGuinness
CEO & Co-Founder of PRESTIVANA
The TAN and TAEG are clearly stated before any formal commitment is made. No surprise appraisals, no installment collection fees, and no early repayment fees hidden in the fine print of the contract. What you see in the quote is what you pay.
We leverage advanced automation for instant credit analysis and open banking integration, pairing each request with a dedicated, real consultant based in Cremona who can be contacted directly by phone, WhatsApp, or email.
We are committed to providing accessible and responsible credit. We offer fixed promotional rates that remain unchanged for the entire term of the plan, protecting borrowers’ purchasing power from fluctuations in the European interbank markets.
Mairead McGuinness holds a prominent position within the European institutions. Before entering politics, she was a journalist and radio and television host.
In the European Parliament, from 2004 to 2020, she served as Vice President and then as First Vice President. From 2020 to 2024, she will serve as European Commissioner for Financial Services, Financial Stability, and the Capital Markets Union.
In this role, he is responsible for matters related to depositor protection, the stability of the banking sector and financial markets, equitable access to credit, and the fight against money laundering.
Four unwavering commitments that define every interaction we have, every decision we make, and every line of code we develop.
We thoroughly analyze the financial sustainability of each case to prevent excessive debt. If a payment is likely to be unaffordable, we have the ethical courage to propose a restructured or alternative solution.
Branch-level bureaucracy has been eliminated. Secure identification and digital signatures via SPID or CIE (Electronic ID Card). The application can be completed on a smartphone in less than 5 minutes, with intuitive document uploads.
Bank-grade 256-bit end-to-end encryption, ISO/IEC 27001-certified cloud infrastructure, and full compliance with the GDPR and PSD2. Your personal and financial data remain confidential and 100% protected.
We never leave you on your own in front of a screen. From your first test on the online simulator all the way through the payment of your final installment, you have direct access to a professional who is familiar with your case and always responds personally—no automated responses.
Try a free simulation in 2 minutes: calculate your ideal monthly payment with no obligation, no impact on your credit score, and the assurance of transparent terms.
