Everything managed from the app
Monitoring of your capital, next due date, complete amortization table. Activate the deadline extension (up to 2/year) with one swipe.
Student Loan
Preferential rate < 28 years
Your studies,
funded without delay.
From €500 to €30,000, APR fixed from 3.90%. Start repaying only after your studies. Without parental deposit up to €15,000.
3,90 %
Lowest APR
30 000 €
Maximum amount
Deferred
Reimbursement after studies
- Without parental guarantee up to €15,000
- Deferred repayment up to 7 years
- 0 € administration fees
- Answer in principle in 2 minutes
3,90 %
APR sets the lowest on the market
30 000 €
maximum fundable amount
7 years
maximum deferral before reimbursement
2 mins
to get a principled answer
Your needs
A loan to cover
A loan to cover
all your study costs.
The student loan adapts to all situations: tuition fees, accommodation, equipment or everyday life.
🎓
Tuition
Universities, major schools, business or engineering schools, work-study training. All establishments in France and abroad.
Up to €30,000
🏠
Accommodation
Rent, deposit, agency fees or purchase of furniture for your first student apartment, in France or Europe.
Up to €15,000
💻
Material and Equipment
Laptop, tablet, professional software, musical instruments or medical equipment for your studies.
Up to €5,000
✈️
Semester abroad
Erasmus, university exchange or international internship. Financing of the stay, ticket, visa and installation costs.
Up to €10,000
🚗
License & Mobility
Financing of a driving license, a scooter, electric bike or transport subscription to reach your place of study.
Up to €3,000
💡
Everyday life
Food, subscriptions, leisure, health. Without proof of use for amounts less than €10,000.
Up to €10,000
The key advantage
Start repaying
Start repaying
only after your studies.
During studies
During studies
Up to 7 years · 0 € / month
After studies
Repayment over 10 years max
Simulator
Calculate your
Calculate your
loan in real time.
Adjust the parameters according to your project and immediately obtain the cost of your student loan, deferred included.
- Simulation without commitment
- Rates updated in real time
- Deferred automatically calculated
Why Us?
The student loan designed
The student loan designed
for your success.
We have designed an offer specifically adapted to the needs of students, without compromising on flexibility.
Without parental guarantee up to €15,000
Borrow up to €15,000 in your name alone, without your parents being guarantors. Your financial independence from the first euro.
0 € administration fees
No opening, management or closing fees. The APR displayed represents the real and total cost of the credit.
Guaranteed fixed rate
Your monthly payment will never change. Simulate today and sign with the certainty that the rate will remain the same until the last repayment.
Early repayment without penalty
Get a permanent contract and want to pay off your loan? No penalty with us, unlike some establishments.
Death and disability insurance included
Unlike other institutions, we include permanent death and disability coverage in all student loans, at no additional cost.
“We undertake to never ask your parents to act as guarantor for amounts less than €15,000. Your project deserves your own credit.”
—Student Loan Service
85 k+
students funded in 2024
95 %
of files accepted the same week
Concrete examples
What it represents
What it represents
in practice.
Three typical profiles to help you plan for yourself. All with total deferment during studies.
🎓
3 year license
Public universityAmount borrowed€6,000
Deferred3 years
Reimbursement over48 months
During studies0 € / month
After studies152€/month
APR3.90%
Total cost€1,296
⭐The most common
🏛️
Master 2 years
Business School / EngineersAmount borrowed€12,000
Deferred2 years
Reimbursement over60 months
During studies0 € / month
After studies230€/month
APR3.90%
Total cost€1,800
⚕️
Medicine / Doctorate
Long studies 6–7 yearsAmount borrowed€25,000
Deferred7 years
Repayment over84 months
During studies0 € / month
After studies€381/month
APR3.90%
Total cost€7,004
Non-contractual representative examples. Fixed APR of 3.90% subject to acceptance of the file. Death and disability insurance included. Total deferral applied. Interest accrued during the deferral is included in the calculation of the total cost. You have a legal withdrawal period of 14 calendar days from signature.
Process
Your student loan
Your student loan
in 4 steps.
01
Simulate online
Amount, duration of studies, repayment duration. Get your estimated monthly payment in real time, without prior registration.
02
Submit your file
Identity document, school certificate and RIB. Everything is downloaded online. No travel to an agency required.
03
Response in 2 minutes
Our algorithm analyzes your file instantly. Immediate agreement in principle, 24/7, even evenings and weekends.
04
Funds within 24 hours
Sign electronically from your phone. The funds arrive in your account in less than 24 hours after the end of the legal deadline.
They testify
They financed
They financed
their dreams with us.
★★★★★
“I borrowed €10,000 for my master’s degree in business school. €0 for 2 years of study, then €210/month after my first permanent contract. My parents didn't have to act as guarantors, that's what made my decision. »
Léa M., 24 ans
Master Finance · €10,000 · 2 years deferred
★★★★★
“As a medical student, I needed €20,000 over 7 years. you were the only bank to grant me this amount without a guarantor. During the entire internship I pay nothing, it's perfect. »
Thomas V., 26 ans
Medicine · €20,000 · 7 years deferred
★★★★★
“Erasmus in Spain, €4,500 to cover accommodation and living expenses. 100% online process from my apartment in Madrid. Funds received within 48 hours. Amazing. »
Clara B., 21 ans
Erasmus Barcelona · €4,500 · 1 year deferred
FAQ
Your questions
Your questions
about the student loan.
Our team can be reached by chat 7 days a week, even in the evening.
What are the conditions for obtaining a student loan?
You must be between 18 and 28 years old, be enrolled in a recognized higher education establishment (university, grande école, BTS, BUT, specialized school, etc.) in France or abroad, and reside in France. No proof of income is required since reimbursement is deferred after your studies.
What happens if I extend or interrupt my studies?
If your studies continue (repeat, change of direction), you can request an extension of the deferral, within the limit of 7 years. In the event of interruption of studies, reimbursement will start 6 months after the end of your registration. We help you adapt the repayment plan to your situation.
Do my parents have to be guarantors?
No, up to €15,000. Beyond that, we may ask you for a co-borrower or a guarantor depending on your profile. In all cases, the death and disability insurance included in your loan protects your loved ones in the event of a serious life accident.
Can I get multiple student loans?
Yes. You can take out several student loans with us over the course of your years of study (bachelor's then master's, for example), up to the cumulative ceiling of €30,000. Each request is subject to an independent analysis depending on your current situation.
Can the student loan be combined with a grant or a student job?
Absolutely. The student loan is compatible with a scholarship based on social criteria, CROUS aid, a student job or a work-study program. Your other sources of income are not deducted from the amount you can borrow and do not impact the analysis of your file.
What happens if I can't find a job after my studies?
If you are looking for a job after obtaining your diploma, Nexia offers an additional 6 month deferral without additional interest. If you are registered with Pôle Emploi, job loss insurance (optional) can cover your monthly payments for 12 months.
Your future
deserves to be financed.
APR 3.90% · Deferred up to 7 years · €0 during studies · Response in 2 min