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Course Loan

Studying opens doors to your future.
Whether money keeps them from shutting is up to us.

Estudios

At Banco Sabadell we want to guarantee you the best education. That's why we are offering you a highly comprehensive proposal to finance your future plans. Financing tailored to your education needs with preferential conditions.

With the Course Loan, a personal loan at a fixed interest rate, you can finance all kinds of school courses, university studies, language courses, take a specialisation course or attend a seminar without the financial concern and ensuring your needs are covered.

Apart from helping you finance the total cost of the course, it covers the financing of related expenses (tuition, materials, accommodation, moving costs). All this up to 18,000 euros to be repaid over a maximum of 1 year (12 monthly instalments).

  • Features

    Main features:

    • Amount: the total cost of the studies, from 1,500 euros to 18,000 euros, including the financing of other expenses related to your studies such as materials, accommodation, etc.
    • Repayment period: from 5 to 12 monthly instalments.
    • Interest rate: 6.75 %, applicable on transactions where the borrower's salary is paid directly into Banco Sabadell.


    Conditions:

    Conditions
    Annual nominal interest rate: 6.75 %1
    APR (Annual Percentage Rate):: from 11.62 % to 31.58 %2
    Life insurance: Optional, so not included in the APR calculation.
    Maximum repayment period: 12 months
    Minimum repayment period: 5 months
    Arrangement fee: 2.25 % (min. €75)
    Assessment fee: 0.00 %
    Compensation for early repayment: 0.50 % - 1.00 %3



    1. Interest rate of 6.75 % applicable on transactions where the borrower's salary is paid directly into Banco Sabadell.

    2. Conditions of the Course Loan:

    Minimum APR of 11.62 % for a Course Loan of 3,500.00 euros, made available in a single deposit at the start of the loan, over a period of 12 months at an annual nominal interest rate (NIR) of 6.75 % and without any interest-only periods. Monthly instalments of 302.44 euros and a final instalment of 302.45 euros. Total amount of the loan: 3,578.75 euros, which includes the course fee (3,500 euros) and the arrangement fee (78.75 euros). Total cost of the loan: 208.04 euros. Interest amount: 129.29 euros. Total debt amount: 3,708.04 euros.

    Maximum APR of 31.58 % for a Course Loan of 1,500 euros, made available in a single deposit at the start of the loan, over a period of 5 months at an annual nominal interest rate (NIR) of 6.75 % and without any interest-only periods. Monthly instalments of 305.08 euros and a final instalment of 305.09 euros. Total amount of the loan: 1,575.00 euros, which includes the course fee (1,500 euros) and the arrangement fee (75.00 euros). Total cost of the loan: 100.41 euros. Interest amount: 25.41 euros. Total debt amount: 1,600.41 euros.

    3. 0.00 % assessment fee and early redemption or cancellation fee: 0.50% if the period to maturity of the loan is less than 1 year, 1% if the period is longer.

    Fees are calculated on the loan amount requested. The French repayment system is applied for the calculation of the instalments for this loan, which is a fixed instalment repayment system.

    The granting of the loan, its amount and the repayment period for each transaction requested will be determined by and contingent on the bank’s risk criteria.

    Optionally, a life insurance policy may be taken out to cover the outstanding amount of the loan in the event of the borrower’s death, brokered by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A., Tax ID no. A-03424223, with its registered office in Avenida Óscar Esplá, 37, 03007 Alicante, registered in the Mercantile Register of Alicante, and in the Special Administrative Register of Insurance Brokers of the DGSFP under code no. OV-0004, acting for BanSabadell Vida S.A. de Seguros y Reaseguros, and holding Civil Liability Insurance pursuant to the provisions of the regulation on the distribution of private insurance and reinsurance valid at any time. You can view the insurance companies with which BanSabadell Mediación has signed an insurance agency contract at www.bancosabadell.com/bsmediacion.

    Offer valid until 30/09/2021.

    Apply now...
    • By Internet

    • By visiting our branches

    Course Loan
    • Call
      +34 935 202 910
      +34 935 202 304 (from abroad)
      24 hours, every day
    • Send us an
       email
    • Visit one of our branches
  • Requirements

    To apply for your Course Loan, we just need the following documents:

    • Applicant's ID card, passport or residence card. If the applicant is a minor, the loan will be in the name of his/her parents or guardians.
    • The last 2 payslips of the borrower or guarantor.
    • Personal income tax return (last year of the applicant or guarantor).
    • Proof of participation in the course (copy of registration or pre-registration for the course).

    Would you like to further your studies abroad? Ask us. Make an appointment


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