Student Loan

Fund Your Studies with Peace of Mind

Whether it's tuition fees, accommodation or daily expenses, our student loan supports you throughout your entire studies.

Up to €50,000

Financing tailored to your course

Repayment deferral

You only start repaying after your studies

Preferential rate

Advantageous conditions reserved for students

No parental guarantee required

Possible depending on amount and term

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Exclusive Benefits for Students

Enjoy preferential conditions throughout your studies

Full Deferral Possible

You only start repaying 6 months after completing your studies.

Boosted Rate

Benefit from a preferential rate upon presentation of your student card.

Free Card

A credit card with no fees throughout your studies.

Your Student Loan in 4 Simple Steps

From simulation to fund disbursement: a quick process tailored for students.

Personalized simulation → Quick approval → Deferral until after studies

Simulate Your Student Loan

Enter your desired amount, term and type of deferral (full or partial). Get an immediate estimate of your future monthly payments and APR – no commitment required.

Build Your Application Online

Provide your student card, enrollment proof, ID and income details (or your parents' if guaranteeing). Electronic signature available to speed things up.

Receive Your Personalized Offer

Detailed offer with preferential student rate, full/partial deferral and repayment terms. Legal 14-day cooling-off period before acceptance.

Funds Released & Studies Funded

Disbursement in one or several instalments (tuition, housing...). Deferred repayment: you start repaying (principal + interest) 6 to 24 months after completing your studies.

Simulate My Student Loan

Frequently Asked Questions

Answers to the most common questions about our student loans

What are the requirements to get a student loan at CeSA BANK?

Enrollment in a higher education institution (French or foreign), aged 18–28 (or emancipated minor), French nationality or EU/EEA resident. Present student card or enrollment certificate. No strict income requirement, and possible without parental guarantee (or via state guarantee up to €20,000).

How long can repayment deferral last?

Full deferral: you pay nothing (neither principal nor interest) during studies + up to 24 months after. Partial deferral: interest only during studies, principal after. Total repayment period cannot exceed 10–12 years after signing.

Is parental guarantee required for a student loan?

Not always: for smaller amounts or via state-guaranteed loan (up to €20,000), no guarantee is needed. For higher amounts (up to €50,000), parental or third-party guarantee may be requested depending on your file and solvency.

What is the interest rate for a student loan?

Preferential rate from 0.9% to 3.5% fixed APR (depending on term, amount and profile), much lower than standard loans. Some promotions or partnerships even offer 0% on part of it (e.g. tuition fees). APR includes insurance if chosen.

Can I repay early?

Yes, fully free or with very limited penalties (often 0% for student loans). You can repay all or part at any time, even during deferral, to reduce total cost.

Is borrower insurance mandatory?

No, it is optional. However, recommended to cover death/disability. You can choose your own policy or the bank's. It slightly increases the APR but protects your loved ones.

Can I combine a student loan with grants/aid?

Yes, absolutely! The student loan combines perfectly with CROUS grants, housing aid, student jobs or other funding. It is designed to complement these resources.