Our financing
Student loan
Finance studies and their living costs, with adapted repayment.
The student loan finances tuition and everyday life, often with deferred repayment during studies. A guarantor strengthens the file.
- Amounts
- from €1,000 to €50,000
- Terms
- from 12 to 120 months
Indicative rates by term
| Term | Fixed rate |
|---|---|
| 24 months | 1.90% |
| 60 months | 2.90% |
| 120 months | 3.90% |
Indicative rates, non-binding, subject to change and to review of your file.
Estimate this financing
The capital you wish to borrow.
A longer term lowers the monthly payment but raises the total cost.
Indicative annual nominal rate for the estimate.
A down payment reduces the financed amount.
Your estimate
Monthly payment
€268.86Estimated monthly payment: €268.86
- Indicative APR
- 2.94%
- Total cost of credit
- €1,131.90
- Financed amount
- €15,000.00
- Capital€15,000.00
- Interest€1,131.90
Indicative, non-binding estimate, excluding insurance and any fees, subject to review and acceptance of your file. The final APR will appear on your contract offer.
Representative example
- Amount borrowed
- €15,000.00
- Term
- 60 months
- Fixed borrowing rate
- 2.90%
- Fixed APR
- 2.94%
- Monthly payment
- €268.86
- Total cost of credit
- €1,131.90
- Total amount payable
- €16,131.90
Representative example, excluding optional insurance. A loan commits you and must be repaid. Check your ability to repay before committing.
Eligibility conditions
Accessible if…
- Student enrolled at a recognised institution
- A guarantor or security available
- A study project consistent with the amount
Not suitable if…
- No guarantor and no credible future income
- An amount unrelated to the course
Documents to provide
- ID
- Enrolment certificate
- Guarantor's documents
- Proof of address
Worked example
Financing a course
€15,000 over 60 months with deferral during studies, repaid on entering working life.
Frequently asked questions
Can I defer repayment?
Yes, a partial or full deferral during studies is common; interest runs depending on the plan.
Is a guarantor needed?
It is usually necessary and clearly improves the terms.
Is the rate attractive?
Student rates are among the lowest; see the indicative table above.