Student loan

The student loan, because of the specific status of its beneficiaries, is a loan that has been designed to best meet the constraints of borrowers ...
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About Personnal Credit

About Student loan

  • Several repayment options

  • Treasury

  • License financing

  • Reimbursement after studies

The student loan is intended for students of higher education, whether they are French or EU nationals, and are under the age of 28. As for non-French students, they must to have at least five years of lawful residence in France when taking out the loan.

It should be noted that students are a privileged target for many banks, thanks to a possible and subsequent domiciliation of bank accounts, but also through the subscription of new and more complex financial products, the banks have the possibility of making a zero-rated student loan profitable, for example, which is offered exclusively to university students and which is often doubled by an amount of € 1,000.

I had the abunity of credit services online but I applied at Crédit Univers on a proposal from a friend and I am satisfied.

Note that with Crédit Univers, you can subscribe to your 100% online loan, from the simulation of your personal loan, to the electronic signature of it. quick.

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Frequently Asked Questions about Student Credit

Student loan: what is it?

A student loan is a consumer credit without proof of use set up and guaranteed by the State to enable a student to finance his studies, including:

  • Tuition fees;
  • The accommodation;
  • Food costs;
  • The purchase of computer equipment;
  • The purchase of a means of transport.
How much can you borrow and at what rate?

According to the banks, one can borrow up to 50 000. As far as interest rates are concerned, these are variable because they are set freely by the banks.

What are the specificities of a student loan?

The student loan falls into the category of consumer credit: this is a classic credit: you borrow money from a bank and then you have to repay the borrowed capital in These monthly payments are generally constant, the rate is often fixed.

It will be up to the student to start by defining what he needs: student credit can enable him to finance all types of projects related directly or indirectly to his studies.

What evidence for his student credit?

Depending on the banks, the required elements may vary but, in principle, here are the ones you will have to present most often:

  • A piece of identification;
  • your last account statements if you have an account at another bank;
  • Proof that you are actually a student;
  • A proof of address.