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: 9.63% (NIR calculated based on 12-month + 5,95% Euribor published in June 2024: 3.680%).
  • VariableAPR: From 11.09%1 to 11.41%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 9.98% VariableAPR3 to 10.30% VariableAPR4) and if in the previous year the holder passed all subjects -2%, from the second year (Euribor + 3.95%, from 8.88% VariableAPR5 to 9.19% VariableAPR6).
  • Arrangement fee: 3% (non financed).
  • Amount: up to € 80,000.
  • Term: 1-10 years.

Shall we discuss it?

If you would like more information, visit any of our branch offices.


Total Career Loan

Icon / check Created with Sketch. For studies at Spanish or international universities

Icon / check Created with Sketch. Apply for up to € 80,000

Icon / check Created with Sketch. Grace period of up to 6 years


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