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Loan for studies and courses

Study without economic concerns

Estudios

You can finance part or all of your schools studies, university studies, language studies, take a specialisation course or attend a seminar without any economic worries and with everything you might need.

We also help you to finance related expenses (registration fees, material, residence, travel). And with the option of starting to repay on completing the training.

  • Terms and conditions

    Conditions:

    Conditions
     
     
    Interest rate: 6.75%1
    APR from: 7.53%2
    Arrangement fee: 2.25% (minimum of €75)
    Assessment fee: 0.00%
    Compensation for early repayment  0.50% - 1.00%3

    Characteristics:

    • Amount: the total cost of the studies. When the cost of the registration fee is less than €15,000, other related expenses such as materials, rent payments can also be financed...
    • Repayment period: up to 10 years (including grace period).
    • Repayment: 12 instalments a year. You can choose to pay only the interest while studying (grace period) over a maximum of 5 years.
    • Drawdowns: If payment of the studies is at the start of each academic year, you can request the loan in several partial amounts of the sum requested. In this way you only pay interest on the capital used.


    Legal:

    (1) Interest rate applicable to operations whose holder or guarantor have a salary, pension or recurring income.

    (2) 11.62% APR for Course Credit of 3,500 euros over 12 months at an interest rate of 6.75% and with no grace period on the principal. Monthly instalment of 302.45 euros. The last payment is lower in value: 302.32 euros. Total amount outstanding: 3,708.02 euros.
    31.58% APR for Course Credit of 1,500 euros over 5 months at an interest rate of 6.75% and with no grace period on the principal. Monthly instalment of 305.09 euros. The last payment is lower in value: 305.05 euros. Total amount outstanding: 1,600.41 euros.
    In both cases, the APR calculation and total amount outstanding includes the arrangement fee: 2.25% (minimum of 75 euros).

    (3) Assessment fee of 0.00%. Compensation for early repayment: 0.00%.
    The approval, the sum and term of each operation requested shall be determined by, and contingent upon, the bank’s risk criteria.

    Apply now...
    • Internet

    • Visiting our branches

    Loan for studies and courses
    • Call
      +34 902 343 999
      +34 935 202 304 (from abroad)
      24 hours, every day
    • Send us an
       email
    • Visit one of our branches
  • Documentation required

    To process your credit for the studies and courses, we only need the following documentation:

    • Nat. ID of the applicant, Passport or Residence Permit. If the holder is a minor, the borrowers will be the parents or guardians.
    • 2 last salary slips of the holder or guarantor (salaried workers).
    • Income Tax statement (last year of the borrower or guarantor).
    • Proof of taking the course, (copy of the registration or pre-registration).).


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