Total Career Loan

Learn more about this loan for university studies that will help you finance the costs of your career.

For studies at Spanish or international universities
Apply for up to € 80,000
Grace period of up to 6 years

Financing solution for undergraduate and postgraduate students

Apply for a loan to pay for your undergraduate or postgraduate studies, with which you can finance the expenses generated by your studies, tuition and living expenses in the city you decide to study.

The Préstamo Total Carrera is a solution adapted to your financial needs, and that gives you the possibility of having a comfortable payment term after the end of your studies. If you do not have recurring income at the time of applying for the financing, your parents must be guarantors of the loan.

If you are also a customer of Banco Santander, you can enjoy all the benefits of employment and training programmes designed for our young customers.

What are the requirements to access the Préstamo Total Carrera?

If you want to request the Préstamo Total Carrera to finance your university or postgraduate studies, these are the conditions:

Amount: up to € 80,000.
Term: 1-10 years.
Grace period minimum of 6 months and a maximum of 6 years. During that period you will pay monthly interest.
Interest payments: monthly, once the grace period is over you will start paying monthly installments of capital plus interest.
Arrangement fee: 3% (non financed).
Nominal annual interest rate: 12-month Euribor + 5.95%¹. Annual review of the interest rate.
Discount: -1% of the interest rate if any parent is a customer from the first year of teh loan (Euribor + 4.95%², and if, in addition, in the previous year the holder passed all the subjects -2%, from the second year (Euribor + 3.95%)³

Request the European Standardized Information (INE) at your branch. Transactions subject to prior approval by the bank.

The APR will vary due to the charge of a percentage arrangement fee and depending on the repayment period chosen.

1. VariableAPR from 9.17% to 9.73%.

VariableAPR 9.17% for a loan of 12.000 euros for a term of 7 years and arrangement fee (without financing) of 3% (€360), at a nominal annual interest rate of Euribor + 5.95% (NIR 8.12%). Grace period for principal payments of 4 years. Interest rate during the grace period (from month 1 to month 48): €81.22; from month 49 to 83 fee of €376.71 and month 84 fee of €376.79. Total cost of the loan €5,820.20 (including interest amounting to €5,460.20 and fees of €360.00). Total amount owed (sum of the amount of the loan and its total cost): €17,820.20. Calculations according to the French repayment system. Reviewed yearly. Monthly instalments. The VariableAPR has been calculated on the assumption that the benchmark indices do not vary, so the APR will vary with each interest rate revision. (Euribor published in the Official Spanish State Gazette (BOE) in October 2025: 2.172%).

VariableAPR 9.73% for a loan of 12.000 euros for a term of 5 years and arrangement fee (without financing) of 3% (€360), at a nominal annual interest rate of Euribor + 5.95% (NIR 8.12%). Grace period for principal payments of 6 months. Interest rate during the grace period (from month 1 to month 6): €81.22; from month 7 to 59 fee of €266.04 and month 60 fee of €266.26. Total cost of the loan €3,213.70 (including interest amounting to €2,853.70 and fees of €360.00). Total amount owed (sum of the amount of the loan and its total cost): €15,213.70. Calculations according to the French repayment system. Reviewed yearly. Monthly instalments. The VariableAPR has been calculated on the assumption that the benchmark indices do not vary, so the APR will vary with each interest rate revision. (Euribor published in the Official Spanish State Gazette (BOE) in October 2025: 2.172%).

2. VariableAPR from 8.07% to 8.63%.

The parent must have at least one of the following with Santander: salary, mortgage or pension plan.

VariableAPR 8,07% for a loan of 12.000 euros for a term of 7 years and arrangement fee (without financing) of 3% (€360), at a nominal annual interest rate of Euribor + 4.95% (NIR 7.12%). Grace period for principal payments of 4 years. Interest rate during the grace period (from month 1 to month 48): €71.22; from month 49 to 83 fee of €371.19 and month 84 fee of €371.34. Total cost of the loan €5,141.55 (including interest amounting to €4,781.55 and fees of €360.00). Total amount owed (sum of the amount of the loan and its total cost): €17,141.55. Calculations according to the French repayment system. Reviewed yearly. Monthly instalments. The VariableAPR has been calculated on the assumption that the benchmark indices do not vary, so the APR will vary with each interest rate revision. (Euribor published in the Official Spanish State Gazette (BOE) in October 2025: 2.172%).

VariableAPR 8.63% for a loan of 12.000 euros for a term of 5 years and arrangement fee (without financing) of 3% (€360), at a nominal annual interest rate of Euribor + 4.95% (NIR 7.12%). Grace period for principal payments of 6 months. Interest rate during the grace period (from month 1 to month 6): €71.22; from month 7 to 59 fee of €260.38 and month 60 fee of €260.61. Total cost of the loan €2,848.07 (including interest amounting to €2,488.07 and fees of €360.00). Total amount owed (sum of the amount of the loan and its total cost): €14,848.07. Calculations according to the French repayment system. Reviewed yearly. Monthly instalments. The VariableAPR has been calculated on the assumption that the benchmark indices do not vary, so the APR will vary with each interest rate revision. (Euribor published in the Official Spanish State Gazette (BOE) in October 2025: 2.172%).

3. VariableAPR from 7.21% to 7.95%.

The parent must have at least one of the following with Santander: salary, mortgage or pension plan and, in addition, in the previous year the holder passed all the subjects.

VariableAPR 7.21% for a loan of 12.000 euros for a term of 7 years and arrangement fee (without financing) of 3% (€360), at a nominal annual interest rate of Euribor + 4.95% (NIR 6.12%) for the first 12 months and Euribor + 3.95% (NIR 7.06%) for the rest. Grace period for principal payments of 4 years. Interest rate during the grace period from month 1 to month 12: €71.22; from month 13 to 48 rate of €61.22; from month 49 to 83 rate of €365.73 and month 84 of €365.63. Total cost of the loan €4,584.74 (including interest amounting to €4,224.74 and fees of €360.00). Total amount owed (sum of the amount of the loan and its total cost): €16,584.74. Calculations according to the French repayment system. Reviewed yearly. Monthly instalments. The VariableAPR has been calculated on the assumption that the benchmark indices do not vary, so the APR will vary with each interest rate revision. (Euribor published in the Official Spanish State Gazette (BOE) in October 2025: 2.172%).

VariableAPR 7.95% for a loan of 12.000 euros for a term of 5 years and arrangement fee (without financing) of 3% (€360), at a nominal annual interest rate of Euribor + 4.95%(NIR 6.12%) during the first 12 months and Euribor +3.95% (NIR 7.06%) for the rest. Grace period for principal payments of 6 months. Interest rate during the grace period (from month 1 to month 6): €71.22; from month 7 to month 12 fee of €260.38; from month 13 to month 59 fee of €255.37 and month 60 fee of €255.63. Total cost of the loan €2,607.62 (including interest amounting to €2,247.62 and fees of €360.00). Total amount owed (sum of the amount of the loan and its total cost): €14,607.62. Calculations according to the French repayment system. Reviewed yearly. Monthly instalments. The VariableAPR has been calculated on the assumption that the benchmark indices do not vary, so the APR will vary with each interest rate revision. (Euribor published in the Official Spanish State Gazette (BOE) in October 2025: 2.172%).