FINS Student
Loans

We offer the first student loans in Europe centered on student needs and potential

Personal investment loans.

You want to study a Bachelor’s programme or a Master’s programme in Europe, but you haven’t found the right solutions to cover your tuition fees and study costs?

We offer student loans up to 25.000 EUR for Bachelor’s studies or Master’s studies in Europe (including the UK and Switzerland).

Evaluation process based on  your university admission file 

Affordable interest rates

between 9.5% – 12.5%

No proof of prior income

No real estate guarantees and no co-signers needed

Grace period for the whole duration of the study period and up to 12 months after graduation

No extra costs for early repayment

Your FINS advantages

EDUCATIONAL AND FINANCIAL COUNSELLING

Do you need help in choosing the best universities or study programmes and turn your application into a 100% success? We have the best advisers for you! Moreover, you can also apply for FINS financing as soon as you apply for your studies!

LOANS WITHOUT CO-SIGNERS

Depending on the university and country where you choose to study, you may access loans of up to 25.000 EUR for Bachelor’s studies or Master’s studies, without needing a co-signer.

FLEXIBILITY

We give you exactly the amount of money you need, depending on your monthly needs, in order to avoid overspending and overborrowing. Moreover, you will pay interest only for the amounts used, not for the entire borrowed amount.

PROTECTION AND HELP IN CASE OF UNFORESEEN CIRCUMSTANCES AND HARDSHIP

In difficult situations, we can temporarily suspend the payment of your loan installments. We will also do our best to help you in other ways so that you can recover as soon as possible.

What can you pay
with a FINS loan?

Tuition Fees

Rent
(including deposit)

Monthly expenses
(food, transportation, personal expenses, entertainment)

Equipments and study materials for your university activity

Medical insurance

FINS Loans

Loan for
Master's Degree abroad

Up to 25.000 EUR for postgraduate programmes of up to 2 years

Loan for
Bachelor's Degree abroad

Up to 25.000 EUR for all undergraduate programmes (3 or 4 years)*programmes of up to 5 or 6 years are assessed on a case-by-case basis

Loan for
The Entrepreneurship Academy

Up to 25.000 EUR in 4 years

Loan for
European Nursing Academy

Up to 25.000 EUR in 3 years

Eligibility:

You are preparing to apply, have applied, 

or are already accepted to a Bachelor’s or  

Master’s programme offered by a 

university in Europe.

You have a clean financial record, e.g. 
not blacklisted with any outstanding 
debts for previous loans by any other 
financial institution.

These terms and conditions are made possible due to the support offered by the European Union’s Loan Guarantee Mechanism based on EU Regulation nr. 1288/2013 issued by the European Parliament and by the Council launching the action named: “Erasmus+: European Union’s programme to support education, training, youth and sport (Erasmus)” managed by the European Investment Fund.

This financing is made possible thanks to the guarantee that has been provided by the European Union under the European Fund For Strategic Investments (EFSI). The purpose of EFSI is to help support financing and implementing productive investments in the European Union and to ensure increased access to financing.

Not just student loans -
we do things from experience

FINS was built by people with rich international experience, who were in the situation of finding financing for studies abroad.

FINS founders speak from experience:

The experience of searching, studying abroad, and returning to our home country, has made us understand how important it is to build solutions to your problems, and implicitly, to those of others.

 

What budget do you need to study abroad?

See how much you can
borrow with FINS!

Ce spun studenții FINS?

FINS presupune un mecanism de creditare centrat mai degrabă pe profilul tău profesional și academic, față de alte soluții de creditare oferite de bănci. Astfel, este posibil să accesezi o sursă de finanțare a studiilor imediat după terminarea licenței. În plus, FINS iți oferă creditul pe baza unor estimări personale a cheltuielilor și în tranșe lunare, ambele fiind de folos în gestionarea mai ușoară a bugetului pe parcursul studiului. De asemenea, experiența de aplicare este una plăcută, fără birocrația și rigiditatea unei instituții financiare obișnuite. Pentru mine FINS reprezintă sursa principală de sprijin ce mi-a permis ca astăzi să studiez în străinătate.
Alex Șotropa
Master's degree European Law - General Programme @ Universiteit Maastricht
Mobilitatea și libertatea sunt două lucruri fundamentale pentru orice experiență de studiu, atât în România, cât și în străinătate și cred că sunt exact elementele pe care le-am putut obține cu ajutorul FINS. Faptul că nu trebuie să îmi fac atât de multe griji despre costurile zilnice mi-a oferit libertatea de a mă concentra exclusiv pe programul de masterat și pe activitățile extracurriculare. Obstacolele materiale sunt cu siguranță, nu doar limitative, ci și extrem de descurajatoare, e foarte greu să-ți proiectezi o imagine despre viitor în momentul în care ești forțat să iei în calcul că multe dintre lucrurile pe care ți le imaginezi sunt mereu condiționate de un buget limitat sau de imposibilitatea de a avea un plan financiar sustenabil. Acest credit m-a responsabilizat foarte tare din punct de vedere financiar și m-a făcut să conștientizez că accesul la un sistem educațional competitiv și compatibil cu nevoile și pasiunile tale sunt argumente suficiente pentru a investi activ în viitorul tău.
Alice Chempf
Master în Human Rights and Humanitarian Action @ Paris School of Internațional Affairs

What do FINS students say?