Salary- and pension‑backed loans are ideal financing solutions for employees with permanent contracts and retirees. This personal loan stands out for its convenience: installments are deducted directly from your paycheck or pension statement, ensuring simple and secure management. In addition, this type of financing offers affordable interest rates and the possibility of obtaining significant loan amounts with repayment plans of up to 10 years. It’s perfect for those seeking financial stability and transparency.

The payroll deduction loan is an additional financing option for public and private sector employees. This personal loan allows you to obtain extra cash in addition to the salary- and pension‑backed loans, with installments deducted directly from your paycheck. It’s ideal for those who need additional financial support while maintaining the convenience and security of automatic repayment. The payroll deduction loan offers a reliable solution for managing even unexpected financial needs.

The Severance Pay (TFS) Advance is a financial solution designed exclusively for public-sector employees who wish to receive an advance on their TFS before the INPS would normally disburse it. This product allows you to access 100% of your TFS before the scheduled payment date, providing immediate cash to cover any expenses or pursue personal projects. The TFS advance represents a safe and convenient opportunity to better manage your finances.

A personal loan is a form of financing that provides cash to be used for various needs, such as purchasing goods, consolidating debt, or covering unexpected expenses. It is a versatile and accessible solution for those seeking quick and secure financial support. Thanks to numerous partnerships with leading Italian banks, Banca Sistema is able to offer a range of affiliated financings, providing customized solutions for each customer.

Leasing is a form of financing that allows you to use an asset, such as a car or a piece of machinery, without having to purchase it immediately. It is primarily aimed at businesses and professionals. With leasing, the asset is made available for use for a predetermined period, during which periodic payments are made. At the end of the contract, you can choose to return the asset, renew the contract, or purchase it at a residual price. Leasing is useful for those who wish to maintain business liquidity, frequently upgrade equipment or vehicles, and benefit from tax advantages. It is a flexible and cost-effective solution for managing investment needs without tying up capital.