About FINS
We offer the first student loans in Europe centered on student needs and potential.
FINS is the only financial institution in Europe providing customized loans for students from the European Union who want to study abroad, anywhere in the EU, United Kingdom, Switzerland and Norway.
Up to 25.000 EUR for Bachelor’s studies or Master’s studies in Europe.
FOUNDED in 2017
FINS is a start-up owned by Alex and Laura, who were put in the situation of finding the best study programme for their aspirations, whilst also finding financing, in order to be able to study abroad, when few resources were available to the general public in this regard.
After returning to Romania, Alex took the path of entrepreneurship and founded EDUCATIVA, a group of companies with more than 14-years of experience in the field of education. Laura has extensive experience in banking, consulting and entrepreneurship and is currently president of INSEAD Alumni Association Romania.
Starting from real-life experiences, FINS provides loans for students, adapted to the specific needs of those who want to study within an international environment in Europe.
The FINS Team
Alexandru Ghiță
Co-Founder & President FINS
Founder Grupul EDUCATIVA
President The Entrepreneurship Academy
Alexandru Ghiță
Co-Founder & President
Founder Grupul EDUCATIVA
President The Entrepreneurship Academy
Laura Gavrilă
Co-Founder & CEO FINS
President INSEAD Alumni Association Romania
Laura Gavrilă
Co-Founder & CEO
President INSEAD Alumni Association Romania
Georgiana Malac
Marketing & Sales Manager FINS
Georgiana Malac
Marketing & Sales Manager
Alexandru Raicea
Financial Consultant
Cristina Ene
Customer Success Specialist
Nicoleta Poenar
Events Presenter
Teodora Toma
Digital Marketing Executive
Tailored Media
FINS is part of the EDUCATIVA Group – a group of companies and NGOs that, for over 14 years, have been developing projects in the educational field and have been providing young Europeans with opportunities in the field of personal and professional development.
What do FINS students say?
FINS entails a lending mechanism focused rather on your professional and academic profile, as compared to other lending solutions provided by banks. Therefore, it is possible to access as source of financing for studies immediately after graduation. Moreover, FINS provides a loan based on personal estimates of expenses, structured in monthly instalments, both being useful in order to ensure an easier management of the budget during studies. Also, the application experience is a pleasant one, without the bureaucracy and rigidity of a standard financial institution. For me, FINS represents the main source of support that has allowed me to study abroad today.
Alex Șotropa
Mobility and freedom are two fundamental elements for any study experience, both in Romania and abroad, and I think these are precisely the elements I managed to obtain with the help of FINS. The fact that I no longer have to worry so much about daily costs has given me the freedom to exclusively focus on the master's program and on extracurricular activities. The financial challenges are, with certainty, not just limiting but truly debilitating when you, as a fresh high school or university graduate, try to figure out what it is that you want to do for the future. Therefore, having your options conditioned by how much money you have in the bank, will eventually stop you from living your best life. FINS also taught me about financial responsibility and made me aware that having access to a competitive educational system that can offer real opportunities that are compatible with my needs and expectations are strong-enough reasons to take out a loan and invest it into your future.
Alice Chempf
My experience with FINS has been both advantageous and pleasant. There were times when I financially depended on FINS to a great extent, so I can truly say it is a useful service. The application process was easy. You need free time, you will go through an interview and you will have several documents to sign. I would recommend FINS because it is one of the best financial services for students out there. As such, for future young professionals, FINS represents the perfect solution.
Mihail Boescu
I had a very pleasant experience with FINS as it massively helped me during my studies. The application process was easy and I fully recommend it. If you are in a financial difficult situation like I was, but you still want to study abroad, then FINS is the most obvious choice.
Larisa Zazzeron
Ce spun studenții FINS?
Do you want to
spread the news about FINS?
We want to reach out to all students who aim for quality education but cannot afford it, and you can help us achieve this. If you want us to talk about FINS and our aspirations, let’s get in touch!
Do you want to
work with FINS?
We permanently seek out people with the initiative to support us in our efforts to grow and provide excellent financial services.
Do you want to partner with FINS?
We are always seeking out reliable partners and are actively working with universities, educational consultants, and student NGOs, in order to help as many students as possible.
Why should you choose the FINS Loan?
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!
CUSTOMIZED
LOAN OFFER
Your final loan offer will always be customized according to the budget you submit in the application and your actual needs, in order to avoid overspending, overborrowing and unnecessary interest fees.
LOANS WITHOUT
CO-SIGNERS
Depending on the university and country where you choose to study, you may access loans of up to EUR 25,000 for Bachelor’s studies or Master’s studies, without needing a co-signer (for EU study destinations).
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.
AFFORDABLE
INTEREST FEES
FINS loans have an interest rate between 9.5% and 11.5% during studies, during the grace period, and in the first 6 months of the repayment period.
Starting with the 7th month of the repayment period, you can benefit from a reduced interest fee of 9%.
EXTENDED
GRACE PERIOD
You will benefit from a grace period to pay the loan for the entire period of studies, as well as up to 12 months after graduation.
PROTECTION AND HELP
IN 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.
PAY-OFF YOUR LOAN EARLIER WITH NO EXTRA COSTS
You can repay the loan, at any time, without any additional costs.
CAREER
COUNSELLING
Support solutions for career development: improving your personal profile, developing the best job search strategy, tips for personal branding, coaching sessions.
EVENTS WITH
EXCLUSIVE ACCESS
Access to events exclusively dedicated to the community of students & graduates financed by FINS and preferential access to high-level events organized by our partners.
What budget do you need to study abroad?
See how much you can
borrow with FINS!
Let's talk!
Fixed eligibility criteria:
You are an EU national with the citizenship of a European Union country.
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.
In evaluating the loan application, we take into account:
The ranking of the university and of the study programme you want to attend
The employability reports published by the university you want to attend
The field of studies and the connection with the economic sectors with high employability potential
The reputation of your previous studies
The academic performance achieved so far
Internships or previous work experience (if any)
International experience (if any)
Extracurricular activities and other professional certifications (if any)
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.