Loan
Agos personal loan: up to €30,000 to make your plans a reality!
With the Agos personal loan, you choose the amount and term and make your dreams come true easily, quickly and with complete transparency at every step.
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Achieve your goals with convenience: fast credit, fair rates, and complete freedom to use as you wish.

The Agos personal loan was created for those who want to achieve new goals with greater ease, security and control over their finances.
With flexible value and term options, it adapts to your lifestyle, offering comfort and predictability in each installment.
Furthermore, it relies on the solidity of a recognized institution in Italy, guaranteeing trust and transparency throughout the application process.
Want to make your plans a reality this year? Discover now how the Agos personal loan can put up to €30,000 within your reach!
Category | Minimum | Maximum |
Amount | €1.000 | €30.000 (up to €75,000 in special cases) |
Term | 12 months | 120 months |
Interest rate (TAN) | 6.25% per year | 8,02% per year |
Effective Rate (APR) | 7.50% per year | 9.93% per year |
Discover the Agos personal loan: fast, flexible and 100% credit online
The Agos personal loan is the ideal solution for those looking for fast, secure, and fully digital credit, without unnecessary bureaucracy.
Part of the Crédit Agricole group, one of Europe's most respected financial institutions, Agos combines tradition and innovation.
Its credibility comes from decades of offering transparent financial solutions, with close service and conditions designed for the daily lives of Italians.
People choose this credit because it is flexible, reliable and helps turn plans into real achievements with complete peace of mind.
Main benefits of Agos personal loan
The Agos personal loan offers benefits that go far beyond quick credit. It was designed to simplify your financial life safely.
Discover the main benefits of this service, which combines technology, reliability, and flexibility to make your projects much more accessible and achievable.
Total flexibility in values and deadlines.
The Agos personal loan allows you to choose exactly the amount you need, adapting the credit to your reality and financial capacity.
With terms ranging from 12 to 120 months, you can determine the ideal time to pay without excessively compromising your monthly budget.
This freedom helps transform credit into an ally, not a financial burden, making everything more predictable and smooth.
Each proposal is personalized, allowing you to create a tailor-made plan and maintain full control over installments and deadlines.
100% process online, fast and transparent.
The entire process can be done digitally, without paperwork, long lines or trips to a physical branch.
The simulation is simple and shows the complete loan conditions before signing, ensuring clarity at each stage.
The response is usually quick, often within just a few hours, providing convenience for those who need agility.
This digitalization makes credit more accessible and modern, respecting the time and comfort of those who apply.
Competitive, fixed rates throughout the contract.
Loan rates remain the same from start to finish, with no unexpected adjustments or hidden additional charges.
This allows you to plan each installment with peace of mind, knowing exactly how much will be paid throughout the entire contract.
Financial predictability is one of the biggest differentiators for those who value security and stability in their personal finances.
This way, the client avoids surprises and has complete confidence in the conditions agreed upon from day one.
Freedom of use of money.
The released amount can be used however the customer wishes, without needing to justify the purpose of the loan.
Whether it's to renovate your home, pay off debts, or invest in education, using credit is completely free and personal.
This flexibility allows each person to direct their money towards what really matters at that moment.
Agos believes that customers should have complete autonomy over their financial decisions, without imposed limitations.
Insurance and financial protection option.
The client can purchase optional insurance that guarantees protection in cases of unforeseen circumstances, such as unemployment, illness or disability.
These coverages provide greater peace of mind, ensuring that the contract is maintained even in the face of unexpected situations.
The plans are flexible and adapt to each applicant's profile, making the service even more accessible.
Agos offers this extra security so that customers never lose their financial balance, even in difficult times.
Possibility of management via Agos card or app.
With the Agos card and app, customers can track all loan information in real time.
You can check installments, request new credit, and even adjust deadlines without leaving your home.
This digital autonomy guarantees greater practicality and control over the contract itself, always with transparency.
Intelligent credit management strengthens the relationship between customer and institution, bringing convenience and trust.
Human and multichannel service.
Even though it's digital, Agos always offers human support by phone, chat, or in person.
Support is attentive and prepared to resolve queries quickly, valuing each customer's experience.
This combination of technology and personalized service makes all the difference in the user's daily life.
Close contact reinforces the institution's credibility and care for those who choose its financial services.
Solid reputation and security of an international group.
Agos personal loans belong to the Crédit Agricole group, one of the largest financial institutions in Europe.
This partnership guarantees stability, credibility and high security standards in all operations carried out.
Agos stands out for combining global experience with close, accessible service throughout Italy.
With decades of experience, it continues to be a trusted reference for those seeking responsible and transparent credit.
Eligibility Requirements to Apply for Agos Personal Loan
To apply for an Agos personal loan, it is important to meet some basic criteria defined by the financial institution.
- Minimum and maximum age: The applicant must be at least 18 years old and of age compatible with the end of the contract at the time of settlement.
- Residence in Italy: It is necessary to prove legal residence and a fixed address in Italy for the entire period of the contract.
- Proof of income: Documents proving payment capacity must be presented, such as pay slips, pension, tax return or proof of self-employment.
- Regular credit history: The customer must not have serious restrictions on credit systems, ensuring a greater chance of approval and better conditions.
These requirements ensure that the process is safe, transparent, and accessible for those seeking credit responsibly and confidently.
Step by step guide to applying for an Agos personal loan
See how to apply for credit simply, quickly and completely online with Agos.
- Simulate and choose conditions: On the website or app, enter the amount and term; check the TAN, APR, and estimated installment.
- Fill in your details and send documents: Register personal information, income, and IBAN; attach your ID, tax code, and requested documents.
- Digitally sign the proposal: Review the terms, accept the terms, and digitally sign when requested to formalize your request.
- Wait for analysis and release: Agos evaluates credit; if approved, you receive confirmation and the money is transferred to the specified account.
After approval, the amount is credited and you can track everything transparently through the app.
Applicable Agos Personal Loan Rates
The Agos personal loan has affordable and fully transparent rates, allowing customers to know exactly how much they will pay at each stage.
Understanding how these rates work is essential to planning your credit safely and making the most of all the benefits offered.
TAN (Tasso Annuo Nominale)
The Agos personal loan offers a fixed annual nominal rate between 6.25 % and 8.02 %, applied to the amount loaned to the customer.
The TAN defines the basic interest rate on the credit, excluding additional expenses, insurance or administrative charges charged in the contract.
This rate is customized according to the financial profile, the amount requested and the payment term chosen by the applicant.
Because it is fixed, it provides stability and predictability, allowing you to plan installments with complete confidence and without unexpected variations.
APR (Tasso Annuo Effettivo Globale)
The APR, which ranges from 7.50 % to 9.93 %, shows the total effective cost of the loan, including interest and charges.
This fee is required by law and provides a realistic view of how much the credit will cost at the end of the contract.
With the APR, customers can compare different offers and choose the most advantageous option for their monthly budget.
The transparency of this index reinforces Agos' commitment to clarity and security in all its financial operations.
Spese di istruttoria
The fee of approximately €150 covers the administrative costs of credit analysis, document verification and opening of the contract.
This amount is fixed and informed to the customer in advance, being charged only once at the beginning of the application process.
The charge is standard in the market and is already included in the final APR calculation presented by Agos.
This ensures that the customer is aware of all costs before signing, reinforcing the financial institution's transparency.
Imposta di bollo
The imputation di bollo is a fixed fee of €16, provided for by law, charged when formalizing the loan agreement.
It serves to legally validate the document and authenticate the financial transaction with the Italian tax authorities.
This cost is one-off and does not vary depending on the loan amount or the duration of the contract agreed between the parties.
This is a legal requirement that guarantees legitimacy, security and official recognition of the operation carried out.
Spese di incasso rata
Each installment of the contract has a fee of €1.50 for processing costs and monthly payment collection.
This amount is fixed and is clearly stated in the contract, and is included in the total APR calculation.
The fee covers the banking and administrative costs required to manage transactions accurately and securely.
Although small, it represents Agos' commitment to maintaining efficiency and clarity in all operational details.
Anticipated termination penalty
In case of early repayment, Agos may apply a penalty of up to 1% on the remaining loan amount.
This fee offsets administrative and operational expenses already assumed by the institution during the term of the contract.
Even so, advance payment can reduce future interest, which is advantageous for those who want to close the loan early.
Transparency in this process reinforces Agos' commitment to fair and balanced financial practices for its customers.
Optional insurance (optional insurance)
The Agos personal loan offers optional insurance that adds between 0.5% and 1.5% to the APR, depending on the type of coverage chosen.
These protections cover unforeseen events such as unemployment, disability or death, ensuring security throughout the payment period.
Although they slightly increase the total cost, they bring peace of mind and stability in situations of financial uncertainty.
Agos offers complete freedom to choose whether or not to opt for this protection, prioritizing the customer's well-being and safety.
Conclusion
The Agos personal loan stands out for combining practicality, transparency and flexibility, offering financial solutions tailored to each individual need.
With clear fees, a digital process, and complete security, Agos guarantees a simple, fast experience free from unnecessary bureaucracy.
This combination of agility and credibility makes the institution one of the most reliable choices for those seeking responsible credit in Italy.
Did you like it? Want to learn about other options with exclusive benefits? Read the article below and learn all about the Findomestic personal loan!
Findomestic Personal Loan
Did you like Agos' terms and conditions? Discover the Findomestic personal loan and compare exclusive benefits by clicking on the article below!
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