Salary backed loans and Payment Authorisation

Find out about Capitalfin’s solutions for employees and retirees.

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Capitalfin is the company of the Banca Ifis Group committed to the financial support of private-sector customers. We offer customers salary-backed loans and Payment Authorisation.

Salary-backed loans

The solution for employees and retirees.

You can take out a salary-backed loan at a fixed rate that meets your needs, with simple regular monthly instalments, without having to state a reason.
Salary/pension backed loans are available to:

  • Private- and public-sector employees on open-ended contracts;
  • Retirees up to the age of 85.

Salary-backed loans involve simple repayment instalments for up to 120 months, without the need to remember maturity dates. In fact, it is the employer or the pension institution that provides for repayment, making a monthly deduction directly from the payslip or pension slip.

Capitalfin’s salary-backed loans are offered according to specific agreements with the main Pension Institutions.

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Delega di pagamento per dipendenti pubblici Delega di pagamento per dipendenti pubblici

Payment authorisation

The solution for public-sector employees

Are you a public-sector employee and need additional financing on top of what you are already repaying through a salary-backed loan? Then a Payment Authorisation is the solution for you.

You can obtain a loan with a Payment Authorisation in addition to a salary-backed loan. This will provide you with additional liquidity to afford an overall instalment of up to 40% of your net monthly salary. As with the salary-backed loan, the Payment Authorisation involves a fixed rate, regular instalments and a financial duration between 24 and 120 months.

Employees of government and public administration bodies which adhere to the NoiPA system or which have stipulated specific agreements with Capitalfin, can take advantage of special operational facilities during the loan application procedure.

Work with us

Every day, we help our customers carry out small and large projects.
We are therefore developing new solutions to meet their financial needs.

Would you like to work as a financial activity age

If you are already a financial activity agent or would like to be one, send us your application via the Agent form.

Are you a credit broker?

Contact us if you are interested in our products.

Would you like to work with Capitalfin?

Consult the open positions.

Looking for information or help?

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Advertising message for promotion purposes only. Pre-contractual documentation and the Standard European Consumer Credit Information may be picked up at the Cap.ltal.Fin S.p.A. head office. or downloaded in the Transparency section of the website Disbursement times and terms and conditions and may vary based on customer profile.