What are the fees for the seasonal Agropréstamo loan for young people?

Commitment fee: 2.5%, 0% NIR and 2.797% APR .

The NIR (Nominal Interest Rate) is what you pay the bank to lend you money. The NIR is usually less than the APR , and cannot be used to compare the prices of different loans , since it only includes the interest rate and not all the expenses associated with the transaction.

APR (Annual Percentage Rate) provides the cost of a financial product, such as loans, and includes both the interest and the various costs and fees associated with it. This information lets you compare different loans because the lower the APR, the cheaper the loan .

Seasonal agri-loan for young people

Finance farming or ranching costs

You must be 40 years old or younger (in 2025).

Interest rate: 0%.
Commitment fee: 2.5%.
2.797% APR.
Up to 11 months with repayment at maturity.

Apply

How does the seasonal agri-loan work?

Apply for a seasonal agri-loan to cover farming expenses such as the purchase of seeds, fertilizers, crop protection products, or the upkeep of your livestock (feed, fodder, etc.), for the amount you need to cover all or part of those costs, and repay it when you harvest your crops or sell your livestock.

At 0% interest, with a commitment fee of 2.5% and 2.797% APR You will have a maximum of 11 months until you harvest the crop or sell the livestock.

This example will make it clear

Example for a loan of €20,000 taken out on 04/15/2025, repaid in full on 03/15/2026.

Term: 11 months with repayment at maturity.

NIR from 0%.

APR from 2.797%.

Commitment fee: €500.

Appraisal fee: €0.

Total amount payable: €20,500.00.

What conditions do you have to meet for the seasonal agri-loan?

To request the seasonal agri-loan for young people, you have to be a rancher or farmer and own a farm.

*Product available for businesses with a turnover under 5 million euros.

Would you like more information?

Seasonal Agri-Loan for Young People