Best salary/pension-backed loans 2026

Compare 9 salary/pension-backed loans: advertised nominal rate vs real example APR, total cost of credit and distance from the usury threshold. Updated 2026.

• IBL Banca — Cessione del Quinto ★ 3.5 Example APR: 6.93% Open ↗
• Compass — Cessione del Quinto ★ 3.3 Example APR: 6.71% Open ↗
• Prexta — Cessione del Quinto ★ 3.3 Example APR: 6.8% Open ↗
• Santander Consumer Bank — Cessione del Quinto ★ 3.3 Example APR: 6.97% Open ↗
• Banca Sistema (QuintoPuoi) — Cessione del Quinto ★ 3.2 Example APR: 6.32% Open ↗
• Dynamica Retail (Sì Pensione) — Cessione del Quinto ★ 3.2 Example APR: 7% Open ↗
• Fiditalia — Cessione del Quinto ★ 3.2 Example APR: 6.96% Open ↗
• BNL Finance — Cessione del Quinto ★ 3.0 Example APR: 9.06% Open ↗
• Prestitalia — Cessione del Quinto ★ 3.0 Example APR: 9.19% Open ↗