Financing for university studies in Spain and abroad

Variable rate personal loan intended to finance studies at both Spanish and foreign universities, either Master's or PhD studies.

It also allows the financing of Research Projects as well as expenses related to studies including living costs and mobility.

The costs arising from mobility or exchange programmes can also be financed through this product.

Who is it for?

It is aimed at university students, employed personnel of Spanish Universities (teaching and research staff and/or administration and services staff), both public and private, and Young University Graduates up to 31 years old.


  • Studies
  • University Enrolments at Spanish and Foreign Universities.
  • Master/Postgraduate Enrolments at Spanish and Foreign Universities or Business Schools.
  • PhD Studies at Spanish and Foreign Universities
  • Research projects
  • Costs related to studies or research
  • IT equipment: computer, tablet, etc.
  • Teaching materials
  • Language/computer courses
  • Living costs and mobility:
  • Rent and student residence
  • Light, water, telephone, gas
  • Travel pass
  • Driving school course
  • Transport/transfer costs abroad
  • Costs related with mobility programmes or student/teacher exchanges: Erasmus, Seneca, etc.


  • Nominal annual interest rate: 8.07% (TIN calculated based on 12 month Euribor + 4%. Euribor published in September 2023: 4.073%).
  • VariableAPR: from 9.39%2 up to 11.60%3
  • Up to € 60,000.
  • Term of up to 7 years.
  • Interest settled monthly.
  • Repayments: monthly.
  • 3% arrangement fee (financed).
  • Early cancellation 0%.
  • Processing fee 0%.

Shall we discuss it?

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

Universitario Loan

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

Icon / check Created with Sketch. Ask for up to € 60,000.

Icon / check Created with Sketch. Return it in up to 7 years.

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