Personal loans surged in Italy in 2025, thanks in part to the strong push of new technology, particularly Buy Now Pay Later. Overall, loans climbed by 1.1%, but the average value increased significantly, to €9,831 (+6.7%). Individual loans dominated the industry, expanding by 10%, while targeted loans fell by 7.5%. The difference between the two ways was also greatly widened by the ongoing evolution of technology and Italian families' increased use of new payment methods, beginning with various versions of Buy Now Pay Later as an alternative to small-ticket loans (under €5,000). Deferred payment terms grew by 49.8% compared to 2024, although the average amount fell to €1,120 (-11.6% compared to 2024). It's also worth mentioning that new payment methods are gaining popularity among different generations: 23% for the 25-34 age group, 22.3% for the 35-44 age group, and 23.1% for the 45-54 age group. Returning to the overall data, targeted loans are what increased the average loan amount to nearly €10,000. Nearly one in every two Italians who apply for a loan borrows less than €5,000. The €10,000-20,000 ranges (20.1% of applications) come next, followed by the €5,000-10,000 range (18.3%). Repayment times, however, vary according to the loan type: 70% of targeted loans have a term of less than three years, whereas more than half of personal loans (53.3%) are repaid over a five-year period to reduce the burden on the family budget.