student loan

Loan

A personal loan to finance your studies

A loan is a legal commitment and must be repaid. Please verify your ability to repay before signing up.

Prêt Étudiants

The Student Loan enables you to carry out your projects and finance your studies.(1)

  • FIXED APR
  • 1.50%(2)

Example of a €15,000 loan with a term of 84 months:

Fixed Annual Percentage Rate (APR): 1.50%(2)
Amount of payments due (not including optional insurance): €188.16
Total amount due (not including optional insurance): €15,805.44
A loan is a legal commitment and must be repaid. Please verify your ability to repay before signing up.

(1)This offer is reserved for qualified Students of legal age, and is subject to application approval by BNP Paribas (the lender). You have a legal withdrawal period of 14 calendar days from the date you accept the loan agreement.
(2) Annual Percentage Rate (insurance excl.) in effect as of 2015-04-01.

In detail

Rate

Special student rateFor your projects

A rate specifically dedicated to financing your studies in order to enable you to achieve your career goals.

Term

Maximum of 12 years according to your ability to repay

The term is defined according to the duration of your studies and the amount borrowed.

Repayment

Early, partial or totalAccording to your budget

You have the possibility of repaying your loan early.(3)

(3) See the terms and conditions in the agreement. Terms and conditions in effect as of 2015-04-01.

Please note

BNP Paribas has agreements with certain schools and universities. Please consult your account manager for more information.

Detailed characteristics of the

Student loan

Download the pdf

  • Eligibility, Amount, Term, Interest rate
  • Supporting documents, legal withdrawal period, availability of funds
  • Repayment, Insurance, Loan maturity
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Eligibility

In order to sign up for a Student Loan, you must be a student and of legal age.(1)

If you are a foreign student, you must be of legal age in your country of origin (for example, in the USA the legal age is 21 instead of 18. Therefore, an American student in France must be at least 21 years of age).

You must also provide a guarantee if you are a resident in France.

(1) Subject to application approval by BNP Paribas (the lender).

Amount

The minimum amount of the Student Loan is €760.

Term

You can borrow for a term of 4 months to 144 months (12 years) maximum, irrespective of your level of studies.

Rate

The interest rate on the Student Loan is a fixed national rate. Certain partner schools of BNP Paribas benefit from preferential agreements. Please contact your BNP Paribas account manager for more details.

For example: for a loan of a total amount of €15,000 and a total term of 84 months, you make 84 payments of €188.16 (not including optional insurance). No application fee. Fixed interest rate: 1.49% per year. Fixed APR: 1.50%. Total amount owed by the borrower (not including optional insurance): €15,805.44. Interest: €805.44.

If you sign up for optional insurance(4) (Death/Complete and Irreversible Loss of Independence, Total Incapacity to Work): Fixed Annual Percentage Rate (APR): 0.69%; the total amount owed by the borrower for insurance throughout the term of the loan: €378.00; the monthly insurance premium: €4.50 per month. This amount is added to the loan installment payments.

(4) Insurance policy offered by Cardif Assurance Vie (life insurance) and Cardif Assurance Risques Divers (casualty insurance).

BNP Paribas, limited liability company with capital of €2,492,372,484 – Headquarters: 16 boulevard des Italiens, 75009 PARIS. Registered with the Paris Trade and Companies Registry (RCS) as No. 662 042 449, EU VAT identification No. FR76 662 042 449. ORIAS No. 07 022 735.

Cardif Assurance Vie, a business regulated by the French Insurance Code – a limited liability company with capital of €712,340,624 – registered with the Paris RCS (Trade and Companies Registry) as No. 732 028 154 with a European intracommunity VAT No. office FR 12732028154 – Headquarters: 1 boulevard Haussmann, 75009 Paris – Offices: 8 rue du Port, 92728 Nanterre Cedex.

Cardif Assurances Risques Divers, a company under the French Insurance Code – a limited liability company with capital of €16,875,840 – registered with the Paris RCS (Trade and Companies Registry) as No. 308 896 547 RCS Paris – Headquarters: 1 boulevard Haussmann, TSA 93000, 75318 Paris – Offices: 4 rue du Port, 92728 Nanterre Cedex.

Further details

FAQ ()

  • Is a down payment required?
  • A Student Loan does not require a down payment. Of course, a down payment is always useful, if only to reduce your monthly loan payments and shorten the repayment period.
  • What is the maximum term of the loan?
  • You may borrow for a term of between 4 to 144 months (12 years), irrespective of your level of studies.

In addition

  • Prêt digitalLoansBNP PARIBAS DIGITAL LOANA personal loan that finances your digital cameras/devices, video cameras or computers.
  • MobileoProperty insuranceMobileoInsurance for your mobile devices (smartphones, portable computers, handheld devices, images and video, etc.).
  • Offre Jeun'Appart ÉtudiantsLoansJEUN’APPART STUDENT OFFERThe all-in-one policy: finances your security deposit, rent guarantee and home insurance.

Have a question?

Our advisors are here to assist you.


Contact us


For assistance or to make a claim/contest a charge, your advisor can be reached on their direct line (a standard rate call).

BNP Paribas, limited company with a capital of €2,492,770,306 – Headquarters: 16 boulevard des Italiens, 75009 Paris. Registered with the Paris RCS (Trade and Companies Registry) as No. 662 042 449 – EU VAT identification No. FR76 662 042 449 – ORIAS No. 07 022 735.

Cardif Assurance Vie, limited company with a capital of €717,559,216 – registered with the Paris RCS (Trade and Companies Registry) as No. 732 028 154 – regulated by the French Insurance Code – Headquarters: 1 boulevard Haussmann, 75009 Paris – Offices: 8 rue du Port, 92728 Nanterre Cedex, France – Tel. 01 41 42 83 00

Cardif Assurances Risques Divers, limited company with a capital of €16,875,840 – registered with the Paris RCS (Trade and Companies Registry) as No. 308 896 547 – regulated by the French Insurance Code – Headquarters: 1 boulevard Haussmann, TSA 93000, 75318 Paris – Offices: 8 rue du Port, 92728 Nanterre Cedex

Avanssur, insurance company regulated by the French Insurance Code, limited company with a capital of €67,155,752.86 – Headquarters: 48 rue Carnot - CS 50025, 92158 Suresnes Cedex - Registered with the Nanterre RCS (Trade and Companies Registry) as No. 378 393 946