FINS Loan
for
Undergraduate Studies
in Romania

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 one of the
two universities:
The Entrepreneurship Academy or the
European Nursing Academy.
You have a clean financial record, e.g. 
not blacklisted with any outstanding
debts for previous loans by any other 
financial institution.
In evaluating the loan application,
we take into account:

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)

Loan for
The Entrepreneurship Academy

Financing is granted exclusively in order to pay 90% of the annual tuition fees, during the 4 years of study

Terms of use:

The loan is granted only during your studies – maximum 4 years

Payment of the tuition fee is done directly to the university, according to the schedule agreed upon with the university, twice per year, in August and February

During the use period of the loan, you will only pay a monthly commission and the interest calculated based on the amount used from the loan, starting with the end of the first month of use

Interrupting your studies for any reason shall result in the suspension of the amounts left from the loan, and shall trigger the repayment period

Grace period:

Maximum 6 months after graduation, upon request

During this period, you will only pay a monthly commission and the interest calculated on the basis of the borrowed amount

Repayment period:

Up to

maximum 10 years

Equal installments throughout the entire

repayment period

The repayment period

begins:

After graduation

OR

After the grace period of up to 6 months after graduation

OR

Immediately, when the student loses their student status or good academic standing.

You can pay-off your loan earlier,
with no extra costs.

The maximum amount you can borrow will be determined depending on the expressed needs, the budget stated in the application and only after the analysis of the application file and the interview.

Interest rate:

FINS loans have an interest rate between 9.5% and 12.5%, 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%.

Other costs:

Loan awarding fee:
250 EUR (it is paid only once, when the loan is granted)

Monthly commision fee: 15 EUR (it is paid monthly, for the entire period of the loan)

Early repayment fee: 0%

Loan for European Nursing Academy

You can borrow up to 25.000 EUR for 3 years to pay the tuition fees and other necessary costs (ex: accommodation, living expenses, etc)

Terms of use:

The loan is granted only during your studies – maximum 3 years

Payment of the tuition fee is done directly to the university, according to the schedule agreed upon with the university, twice per year, in August and February

During the use period of the loan, you will only pay a monthly commission and the interest calculated based on the amount used from the loan, starting with the end of the first month of use

Interrupting your studies for any reason shall result in the suspension of the amounts left from the loan, and shall trigger the repayment period

Grace period:

Maximum 6 months after graduation, upon request

During this period, you will only pay a monthly commission and the interest calculated on the basis of the borrowed amount

Repayment period:

Up to

maximum 10 years

Equal installments throughout the entire

repayment period

The repayment period

begins:

After graduation

OR

After the grace period of up to 6 months after graduation

OR

Immediately, when the student loses their student status or good academic standing.

You can pay-off your loan earlier,
with no extra costs.

The maximum amount you can borrow will be determined depending on the expressed needs, the budget stated in the application and only after the analysis of the application file and the interview.

Interest rate:

FINS loans have an interest rate between 9.5% and 12.5%, 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%.

Other costs:

Loan awarding fee:
200 EUR (it is paid only once, when the loan is granted)

Monthly commision fee: 15 EUR (it is paid monthly, for the entire period of the loan)

Early repayment fee: 0%

What budget do you need to study abroad?

See how much you can
borrow with FINS!