The study loan
that helps you achieve your goals
Invest in your future. Your loan now with no guarantee.
What is the student loan?
Education, training and the development of professional skills are the foundation for a better future. The Skills & Education loan makes it easy for you to pay for the registration and other expenses related to your studies (materials, housing, transport, etc.), so all you have to worry about is studying.
It also gives you a grace period where you pay only interest at the start of the loan, provided this grace period ends no later than 12 months after you complete your studies. We finance you; there's no need for a guarantee.
This loan is perfect
if you're thinking of:
Studying for an advanced
Studying for an undergraduate, graduate or PhD degree
Taking courses on digital skills
and professional training
What are the benefits for you?
You don't need a guarantee.
Up to a 54-month grace period on the principal. 3
Repay your loan between 12 and 72 months. 1
The amount is between €2,000 and €30,000. 1
The financing is up to 100 %. 4
Fixed interest rate.
No commitment fee. 2
How can I take out the loan?
Choose the Study Loan from here or in the products section of the app.
Select the amount you want to finance.
Set the number of months to repay the loan.
Confirm the loan terms.
Confirm the loan payments.
Do you have any questions?
Loan aimed at residents of Spain who are of legal age and are interested in financing their studies or training to improve their employability.
You can finance both your tuition and other study-related expenses.
Advanced vocational training
Undergraduate, graduate and PhD degree
Courses on digital skills and professional training
Studies can be financed both in Spain and in any of the 27 Member States of the European Union and third countries affiliated with the programme (Iceland, Liechtenstein, Norway, North Macedonia, Turkey and Serbia).
View list of permitted countries at this link:
imagin, a registered trademark of imaginersGen, S.A., an agent of CaixaBank, S.A.
1. Skills & Education Loan: Minimum loan amount: €2,000. Maximum loan amount: €30,000. Repayment period from 12 to 72 months. Loan offered by Nuevo Micro Bank, S.A.U. (Microbank) with tax ID A65619421, and listed in the Bank of Spain Official Register of Companies under number 0133. CaixaBank, S.A. markets Microbank products. The approval of this operation is subject to the analysis of the applicant's credit rating and repayment capacity, in accordance with the risk policies of CaixaBank.
2. The loan has €0 commitment fees. Representative example: APR 8.912% calculated for a €5,000 loan. NIR 7.90%. Repayable over 72 months. Total cost of the loan: €1,294.40. Total amount owed €6,294.40 (capital €5,000 + interest €1,294.40). 71 monthly payments of €87.42. One final payment of €87.58. French repayment system.
3. The grace period is the time during which you only pay interest. Once this period is over, your bill will include interest and principal. The grace period on the principal is optional as long as the total loan duration with the grace period included does not exceed 10 and a half years. Maximum optional grace period of up to 54 months to be applied from the beginning of the loan as long as the end of the grace period does not exceed 12 months after the end of the studies.
4. You can finance up to 100% of the cost of the studies. This amount cannot exceed €30,000.