Total Career Loan

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

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

1. 11.63% VariableAPR 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%. Grace period for principal payments of 6 months. Interest rate during the grace period (from month 1 to month 6): €101.10 and from month 7: €210.52. Total cost of the loan €5,387.16 (including interest amounting to €5,027.16). Total amount owed (sum of the amount of the loan and its total cost): €17,387.16. 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 November 2023: 4.160%).
2. 11.95% VariableAPR 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%. Grace period for principal payments of 6 months. Interest rate during the grace period (from month 1 to month 6): €101.10 and from month 7: €277.51. Total cost of the loan €3,952.14 (including interest amounting to €3,592.14). Total amount owed (sum of the amount of the loan and its total cost): €15,952.14. 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 November 2023: 4.160%).
3. The parent must have at least one of the following with Banco Santander: salary, mortgage or pension plan. 10.51% VariableAPR for a loan of 12,000 euros for a period of 7 years and arrangement fee (without financing) of 3% (€360), at a nominal annual interest rate Euribor + 4.95%. Grace period for principal payments of 6 months. Interest rate during the grace period (from month 1 to month 6): €91.10 and from month 7: €204.43. Total cost of the loan €4,852.14 (including interest amounting to €4,492.14). Total amount owed (sum of the amount of the loan and its total cost): €16,852.14. 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) November 2023: 4.160%).
4. 10.83% VariableAPR for a loan of 12,000 euros for a period of 5 years and arrangement fee (without financing) of 3% (€360), at a nominal annual interest rate Euribor + 4.95%. Grace period for principal payments of 6 months. Interest rate during the grace period (from month 1 to month 6): €91.10 and from month 7: €271.71. Total cost of the loan €3,578.94 (including interest amounting to €3,218.94). Total amount owed (sum of the amount of the loan and its total cost): €15.578,94. 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 November 2023: 4.160%).
5. 9.40% VariableAPR for a loan of 12,000 euros for a period of 7 years and arrangement fee (without financing) of 3% (€360), at a nominal annual interest rate Euribor + 3.95%. Grace period for principal payments of 6 months. Interest rate during the grace period (from month 1 to month 6): €80.99 and from month 7: € 198.38. Total cost of the loan € 4,319.58 (including interest amounting to € 3,959.58). Total amount owed (sum of the amount of the loan and its total cost): € 16,319.58. 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) Novmeber 2023: 4.160%).
6. 9.72% VariableAPR for a loan of 12,000 euros for a period of 5 years and arrangement fee (without financing) of 3% (€360), at a nominal annual interest rate Euribor + 3.95%. Grace period for principal payments of 6 months. Interest rate during the grace period (from month 1 to month 6): €81.10 and from month 7: €265.98. Total cost of the loan €3,209.52 (including interest amounting to €2,849.52). Total amount owed (sum of the amount of the loan and its total cost): €15,209.52. 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) November 2023: 4.160%).

Financing solution for undergraduate and postgraduate students

Apply for a variable rate loan for your undergraduate or postgraduate studies. The Préstamo Total Carrera is a solution adapted to your financial needs that offers you the possibility of having a comfortable payment term after your studies.

A loan with which you will be able to cover the costs generated by the studies themselves, the enrolment and residing in the city in which you study.

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 apply for the Préstamo Total Carrera to finance your university or postgraduate studies, these are the conditions:

Grace period: minimum of 6 months and a maximum of 6 years.
Nominal annual interest rate: 10.11% (NIR calculated based on 12-month + 5,95% Euribor published in November 2023: 4.160%).
VariableAPR: From 11.63%¹ to 11.95%².
Interest payments: monthly.
Repayments: monthly.
Discount: -1% of the interest rate if any parent is a customer from the first year of teh loan (Euribor + 4.95%, from 10.51% APR³ to 10.83% APR⁴) and if in the previous year the holder passed all subjects -2%, from the second year (Euribor + 3.95%, from 9.40% APR⁵ to 9.72% APR⁶).
Arrangement fee: 3% (non financed).
Amount: up to € 80,000.
Term: 1-10 years.