Applying for a personal loan
As we're still launching our Loans product in Italy, the option to apply may not be available to everyone just yet. However, if you see the option in-app, you can apply right away.
Loan eligibility
To have a loan with Revolut, you must meet the following requirements:
- You permanently live in Italy and your current address is linked to your Revolut account
- You're at least 18 years old
- You're employed (full-time, part-time, retired, or self-employed) with a regular income
- You're a customer of Revolut Bank UAB for at least 30 days
- You have no personal details missing from your Revolut account
- You have a local mobile phone number linked to your Revolut account
- You have no negative balances in your Revolut account and no overdue commitments to third parties
- You have an identifiable tax identification number
How to apply for a personal loan
In your Revolut app:
- Go to 'Home' on the bottom menu
- Below your balance, tap 'Accounts'
- Tap 'Add new'
- Select 'Personal loan'
- Fill out the short application
Once you submit your application, we'll carry out credit checks to determine if your request meets our lending policy. If we need more information from you, we'll reach out via email. If we need additional documents, you'll be able to submit them in-app. You should get a decision within 2 business days.
If you're approved, you'll need to finalise the process by:
- Viewing the offer
- Editing the offer (if needed)
- Reading the pre-contractual documentation
- Accepting the offer via e-signature
The disbursement will be available in your Revolut account.
Why is my loan offer different to what I applied for?
While reviewing your loan application, we carefully consider your existing debts, expenses, and income. If we determine that the amount and term you initially asked for may lead to financial difficulties, we'll adjust the offer accordingly.
Our decision regarding a loan application is final, non-negotiable, and can't be changed by our Customer Support agents.