Bankmatch does not run a credit check when you browse, match or use a calculator. A hard inquiry happens later, and only if you apply with a lender. That split matters: comparing offers here does not leave a footprint on your file.
What a lender looks at
Each lender in Italia sets its own floor: income, existing debt, time at address, and whatever the local credit bureau or register shows. The cheapest advertised TAEG is for strong files. Thinner files pay more or are declined. The eligibility line on the card is the published rule, not a personal assessment.
How many applications to send
Several hard inquiries in a short window can look like stress on a file. Compare on Bankmatch first, then apply where the written offer is clear. Use match to narrow by amount and term, and read how we compare loans before you click apply.
Related catalogues: personal loans, credit cards, lenders. Supervised by the Banca d'Italia and CONSOB.
Written for readers in Italia. Bankmatch is paid by providers and never by readers; that does not change what we write.