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We analyze a type of personal loan available in Italy but often little known: the personal loan with bills of exchange , also known as a loan that has been changed .

First of all, let’s start with what is meant by a bill of exchange . According to the legal system in force in Italy, a promissory note is a credit instrument issued to postpone the payment of a debt. The bill of exchange is physically a paper form issued by the financial administration, even if in theory nothing prohibits the use of any sheet as a promissory note, provided that it is filled in with the required validity characteristics. The use of the bill is widespread as a security for the payment of debts of various kinds, including those contracted through a personal loan.

We have said that a bill can be used as a commitment for the payment of any credit received, including a personal loan.
In the case of a loan that has been changed, the bank or the financial institution requires the signature of a number of bills equal to the number of installments to be paid for the repayment of the loan.

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