Loans backed by salary and pension — clear, fair, sustainable
FIDES is an ente commissionario that facilitates rateal instalment financing for employees, public-sector workers, and pensioners across Italy. From salary-backed loans to pensioner financing, we connect people with the right solution — transparently and responsibly.
Spread the cost. Protect your monthly budget.
An unexpected expense or a planned purchase doesn't have to disrupt a household's finances. Salary-backed and pension-backed instalment financing lets workers and retirees spread the cost across manageable monthly payments deducted directly from their pay or pension — so repayment is predictable, automatic, and never depends on remembering a due date.
Financing solutions
From salary-backed loans for employees to instalment financing for pensioners, we facilitate access to the right instrument for every worker and retiree we serve.
Salary-backed loans for employees
The cornerstone of what we facilitate. Employees of public and private companies can access financing backed by a portion of their salary — with instalments deducted directly from their pay. This structure offers favourable rates and long repayment periods, because the regular deduction reduces the lender's risk.
- Instalments deducted from salary
- Favourable rates and long terms
- Available to public and private employees
Pensioner loans
Retirees deserve the same access to fair financing as working people. We facilitate instalment loans for pensioners — backed by their pension payment, with instalments deducted directly from their monthly pension. Terms are designed to be sustainable on a fixed income, with clear repayment plans that respect a retiree's budget.
- Instalments deducted from pension
- Sustainable terms on a fixed income
- Clear, predictable repayment plan
Personal instalment loans
For workers and retirees who need financing without a salary or pension assignment structure, we facilitate personal instalment loans with fixed monthly payments. These loans cover a range of needs — from a medical expense to a home repair to a family event — with clear terms and a repayment plan that fits the borrower's budget.
- Fixed rate, predictable instalments
- For a range of personal needs
- Clear terms, no hidden conditions
Employee financing facilitation
We act as an ente commissionario — a delegated entity that facilitates instalment financing between workers and financial institutions. We handle the administrative process, coordinate with employers and payroll offices, and ensure that every step complies with the regulatory framework governing salary-backed lending in Italy.
- Administrative facilitation and coordination
- Payroll office liaison and setup
- Full regulatory compliance
Debt consolidation
Multiple loans and credit card balances mean multiple due dates and multiple rates to track. We facilitate consolidation into a single salary-backed or pension-backed loan — one payment, one date, one rate — which can reduce the total monthly outflow and simplify household budgeting significantly.
- Combine multiple debts into one
- Single payment, single due date
- Potentially lower monthly outflow
Guidance & support
Choosing the right financing isn't always straightforward. We help workers and retirees understand the instruments available, compare options, and select the structure that genuinely fits their situation — with clear explanations, honest assessment of affordability, and no pressure to take more than is needed.
- Clear explanation of every option
- Honest affordability assessment
- Support throughout the process
Principles that guide every facilitation
We exist to help people access fair financing — not to push products. These commitments shape how we work with every worker and retiree we serve.
Transparency first
Every rate, fee, and condition is disclosed before anything is signed. No hidden charges, no fine print — just a clear instalment plan the borrower can read, understand, and plan around.
Responsible facilitation
We assess affordability carefully — not to refuse, but to ensure the financing is sustainable on the borrower's salary or pension. We'd rather facilitate a smaller, manageable amount than set someone up to struggle.
People, not paperwork
Every enquiry is handled by a person who takes the time to understand the situation. We use process to keep things efficient, not to replace the conversation that leads to the right decision.
Clear guidance
We help borrowers compare options, understand the total cost of credit, and choose a structure that fits their budget — even if that means a smaller loan than they initially considered.
Support if things change
If circumstances change during the loan — illness, a reduction in hours, a family event — talk to us early. We work with borrowers to find solutions before problems compound, because recovery is easier than crisis.
Long-term trust
Many of the people we facilitate for return — for a second loan, a refinancing, or a consolidation. We keep the process simple for returning borrowers, because trust is built over time and maintained through consistency.
Ready to explore your options?
Tell us about your situation and what you need. We'll walk you through the instruments that fit — clearly, honestly, with no obligation.
Start a conversation