What is in Italy a loan with no CR check ?
In Italy, a loan without Centrale dei Rischi (CR) verification is a form of credit where the lender does not consult the Centrale dei Rischi, the national credit reporting system managed by the Bank of Italy.
In Italy, vecause CR acts as an official database of indebtedness, most traditional banks rely on it heavily when deciding whether to approve a loan.
The loans in Italy, without checking CR, are designed for borrowers outside the traditional credit net; for example, someone with a negative listing in the CR because of past defaults, or someone who has never borrowed large sums before and therefore lacks an official history, can still qualify.
Is it possible in Italy to obtain a loan without CR verification ?
Yes — it is possible in Italy to obtain a loan without Centrale dei Rischi (CR) verification, but it depends on the type of lender and the size of the loan.
Traditional banks and large financial intermediaries are legally required to report and consult the CR for most loans above certain thresholds (€30,000 for standard credit, €250 for non-performing loans).
However, alternative lenders — such as microfinance institutions, fintech platforms, cooperative credit societies, and some private lenders — may provide loans without consulting the CR.
Which lenders in Italy approve loans without CR verification ?
Here’s a refined list of lenders and platforms in Italy that may offer credit without consulting the Centrale dei Rischi (CR), using alternative methods to evaluate borrowers:
Key Lenders & Platforms
- Prestiti Cambializzati
Offered by lenders like Prestitosì Finance and F2 Financial, these loans are secured by promissory notes (cambiali), and can be approved without CR checks because the collateral provides repayment assurance.
PrestitoSì Finance S.p.A.F2 Financial - Sefa Finanziamenti
Specialized in providing prestiti cambializzati to individuals labeled as protestati or cattivi pagatori. These loans bypass typical credit bureau scrutiny.
sefafinanziamenti.it - Ente Nazionale per il Microcredito
A public institution supporting microcredit and financial inclusion initiatives. It often provides loans to small businesses and vulnerable borrowers without CR verification, instead emphasizing project viability and social impact.
microcredito.gov.it - PerMicro
A microfinance entity designed to foster financial inclusion for families and businesses founded on transparent and innovation-driven lending—typically for populations underserved by CR-based credit systems.
permicro.it - Peer-to-Peer (P2P) Lending Platforms
Platforms such as Prestiamoci or various social lending setups connect individual lenders and borrowers directly, often relying on internal scoring systems rather than checking the CR.
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