for Postgraduate Studies
in Europe

including the UK, Switzerland and Norway.

FINS provides you with two types of loans for your Master’s degree studies, depending on the duration of your studies.

You can borrow up to 25.000 EUR for a Master's Degree with a duration of up to 18 months.

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

What can you pay with a FINS Loan?

Tuition Fees

(including deposit)

Medical insurance

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

Equipments and study materials for your university activity

Asigurarea medicală

Terms of use:

The loan is granted only during your studies – maximum 24 months.

Monthly disbursements directly into your bank account.

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 12 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 5 years

Equal installments throughout the entire

repayment period

The repayment period


After graduation


After the grace period of up to 12 months after graduation


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

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

Interest rate:

FINS loans have an interest rate between EURIBOR 1M + a fixed margin between 9% and 11%, 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 fixed margin of 9%, regardless of what you had before.



For postgraduate loans of up to 18.000 EUR, the interest rate can be higher depending on the terms of repayment. Click on this link to download further information about the specific terms for Master degree financing and a case comparison.

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%

Other terms and conditions:

Depending on the university and country in which you choose to study, you may access loans without the need of a co-signer. This benefit applies only for European Union countries and depends on the profile and situation of each applicant in question.

If you need a co-signer, he/she can be anyone from your family, a friend, partner, etc. and it is not mandatory for him/her to live or work abroad.


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 a 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.
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.

What budget do you need to study abroad?

See how much you can borrow with FINS!

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