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    Study Loan

    For degrees shorter than 2 years.

    Pay for your preparatory or graduate studies.

    Fixed interest rate of 3.95% NIR

    4.15% APR

    • Request from €1,000 to €75,000.
    • Up to a 7-year term.
    • No commitment fee.

    Do you want it?

    • Applying for your Study Loan (degree shorter than 2 years) is as simple as:

      • Fill out the application form.
      • Send us the documentation we request.
      • If everything's correct, we'll deposit the money into your account.

      Check the process in detail

    With this study loan you will also be able to finance your studies abroad.

    Details

    • How you can use your Study Loan (degree shorter than 2 years):

      • It is a personal loan to finance the cost of your studies, provided they last less than 2 years. For example, a master's degree, registration fees, advances on grants, Erasmus or study expenses abroad.
      • Request the total amount you will need for the duration of your studies, and the repayment period.

      More information

    How does it work?

    • You request an amount, whatever you need to finance your studies and, once granted, you make a single drawdown to cover the related expenses.

    This example will make it clearer

    • This is what a with a 5-year, €9,000 educational loan with a 1-year grace period would look like, drawn down in full from the start, signed on 12/31/2019 with payment at the end of the month:

      • Interest rate: 3.95% NIR
      • APR: 4.15%
      • Grace period: 1 year.
      • Total interest during the grace period: €356.46
      • Monthly interest payments for a period of 1 year: €30.19 or €29.22 depending on the days of the month*.
      • Repayment period: 4 years.
      • Constant monthly payments: 48 payments of €203.01
      • Total debited amount: €10,142.95

      The APR was calculated taking into account postage expenses: €0.70 monthly.

      If you need to open a checking account exclusively for managing this loan, and if the conditions for having no maintenance fees on said account are not met, the fee will be €120 per year. Therefore, the APR of the loan would be 6.37%, with a total cost of €10,742.95.

      *The monthly interest payment may vary depending on the days of the month on which settlement is due.

    Apply for your Study Loan (degree shorter than 2 years)

    Apply

    Would you like more information?

    The Under 2-Year Study Loan does not have a commitment fee.

    If you decide to liquidate the loan early, in full or in part, you will have to pay a fee depending on the repayment period left:

    • 1% of the amount to liquidate if there are under 12 months remaining.
    • 1% of the amount to liquidate if there are more than 12 months remaining.

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    Under Two-Year Study Loan
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