Usury loan: what is

We are talking about loan lenders when, on the loan granted to the customer by the credit institution or the financial company, an effective interest rate is applied which, by adding the nominal rate and all the charges relating to the granting of the credit (as default interest, penalties and other expenses), exceeds the limit established by the law on usury (the reference legislation is Law 108 of 1996).

A distinction must be made between original usury and unexpected wear:

In the first case, the loan exceeds the threshold rate already at the time of stipulation, while in the second hypothesis the rate becomes usurious during the life of the loan, depending on the changed market conditions.


Loan estimate of 10000 euros

Loan estimate of 10000 euros


Financial: Simple Loan
Product: Personal Loan
TAN Fixed: 4.25%
APR: 4.44%
Loan duration: 60 months
Amount Financed: € 10,000
Total due: € 11.117

Monthly installment € 185 , 28 Feasibility check 

Financial: Legos
Product: Personal Loan
TAN Fixed: 5.16%
APR: 6.70%
Loan duration: 60 months
Amount Financed: € 10.146
Total due: € 11.735

Monthly installment € 193 , 19 Feasibility check 

Financial: Find Loan
Product: “Your Projects” Credit
TAN Fixed: 6.01%
APR: 6.18%
Loan duration: 60 months
Amount Financed: € 10,000
Total due: € 11.602


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