Loans built around your life, not a template
AGOS-DUCATO SPA helps individuals and families across Italy finance the things they need — from a new car to a home renovation to an unexpected expense. Clear terms, predictable instalments, and answers you can plan around.
Spread the cost. Keep control of your budget.
An unexpected expense or a planned purchase doesn't have to disrupt your finances. A loan lets you spread the cost over manageable monthly instalments, so you can cover what matters today without draining your savings or deferring the things you need.
Financing solutions
From a car to a kitchen to a tuition bill, we structure financing around your need and the way your budget actually works.
Vehicle & auto financing
A new car, a used one, or a motorcycle — we finance purchases at dealerships across Italy. You pick the vehicle, we handle the financing, and you drive away with a clear instalment plan that fits your monthly budget.
- New and used vehicles
- Flexible repayment periods
- Fixed monthly instalments
Home renovation & furniture
A new kitchen, a bathroom upgrade, new furniture, or a full renovation. These projects add value to your home and quality to your daily life — financing lets you start now and spread the cost across manageable payments.
- Renovations, repairs, and upgrades
- Furniture and appliance purchases
- Start your project without delay
Digital purchase financing
Electronics, appliances, and goods bought online or in-store. Many retailers partner with us to offer financing at checkout — so you can split the cost of a purchase into instalments without leaving the shop or the website.
- In-store and online checkout financing
- Electronics, appliances, and more
- Split purchases into fixed instalments
Personal loans
When life calls — a medical expense, a family event, consolidating other debts, or simply breathing room — a personal loan gives you a lump sum repaid in fixed monthly instalments. No collateral required for many amounts, and no questions about what you use it for.
- Unsecured options available
- Fixed rate and predictable payments
- Debt consolidation to simplify finances
Education & training financing
Tuition fees, a professional course, a master's programme, or a certification that advances a career. Education is an investment that pays for itself — financing lets you enrol now and spread the cost while you're still studying.
- University tuition and fees
- Professional courses and certifications
- Payment plans that fit student budgets
Debt consolidation
Multiple loans and credit card balances mean multiple due dates, multiple rates, and multiple things to track. Consolidating them into a single loan simplifies your finances — one payment, one date, one rate — and can reduce your total monthly outflow.
- Combine multiple debts into one
- Single payment, single due date
- Potentially lower monthly payments
Principles that shape every loan
Lending is a responsibility, not a transaction. These commitments hold from the first conversation to the final instalment.
Fair, transparent terms
Every fee, rate, and condition is disclosed before you sign. No hidden charges buried in the fine print — just a clear instalment plan you can read and understand.
Responsible lending
We assess every application carefully — not to create obstacles, but to make sure the loan is sustainable for you. A loan you can't repay helps no one.
People, not algorithms
Every enquiry is handled by a real person who takes the time to understand your situation. We use technology to speed things up, not to replace human judgment.
Clear guidance
We help you compare options, understand the total cost of credit, and choose a structure that genuinely fits your budget — even if that means a smaller loan than you asked for.
Support if things change
If your circumstances change during the loan — a job loss, a health issue — talk to us early. We'd rather restructure a payment plan than see a client struggle in silence.
Long-term relationship
Many of our clients come back — for a second vehicle, a home improvement, or to refinance. We keep the process simple for returning customers, because trust is earned over time.
Ready to explore your options?
Tell us what you need to finance. We'll walk you through the options and give you a clear, no-obligation answer.
Start a conversation