Today, paying in installments has become normal. It's not just a feeling: confirms it Credit Map 2025 made by Mister Credit, the area of CRIF which deals with the development of educational solutions and tools for consumers.
More than 6 italiani su 10 have at least active financing. It's not just about mortgages or large loans: credit is increasingly used to manage daily expenses or purchases of small amounts.
The average installment remains around 280 Euro pulls. A figure that, taken alone, may seem sustainable. The point is that the installments often add up: small loans accumulated over time can turn into a significant monthly commitment.
Another interesting fact is this: average debt amounts tend to decrease, but the number of people resorting to credit is increasing. In practice, credit is increasingly widespread, but used for lower figures.
The result is a cultural change: debt is no longer an exception, but a daily tool. And this is precisely where awareness comes into play.
How to use credit without risk: 5 practical advice
The following indications are inspired by the good financial education practices promoted by the Bank of Italy.
1. Always look at the total, not just the installment
A low installment can be deceiving. What really matters is the overall cost of financing.
2. Avoid accumulating too many loans
Multiple installments together can become difficult to manage, even if individually they seem sustainable.
3. Don't commit too much of your income
A prudent rule is not to exceed about a third of your monthly income in total installments.
4. Keep a margin for the unexpected
Unforeseen expenses (automobile, health, home) they always come: leave room in the budget.
5. Ask yourself if it is really necessary
Credit is helpful, but not everything needs to be financed. Postponing or saving may be the best choice.
The data of 2025 they tell us about an Italy in which credit is now part of normality. And this is precisely why it becomes a topic of financial education, even before economical. Because today it is no longer just about asking for a loan, but knowing how to integrate it sustainably into one's life.
Alex Gaetani
Source: CRIF: Credit Map 2025