The study loan
that helps you achieve your goals

Invest in your future. Your loan now with no guarantee.

What is the student loan?

Education, training and the development of professional skills are the foundation for a better future. The Skills & Education loan makes it easy for you to pay for the registration and other expenses related to your studies (materials, housing, transport, etc.), so all you have to worry about is studying.

It also gives you a grace period where you pay only interest at the start of the loan, provided this grace period ends no later than 12 months after you complete your studies. We finance you; there's no need for a guarantee.

This loan is perfect
if you're thinking of:

Studying for an advanced
vocational degree

Studying for an undergraduate, graduate or PhD degree

Taking courses on digital skills
and professional training

What are the benefits for you?

You don't need a guarantee.
Up to a 54-month grace period on the principal. ³
Repay your loan between 12 and 72 months. ¹
The amount is between €2,000 and €30,000. ¹
The financing is up to 100 %. ⁴
Fixed interest rate.
No commitment fee. ²

Sign up and get a €50 coupon ⁵

Use the code IMAGIN50 and use the coupon to spend exclusively in the Facilitea shop ⁶ that we have on the imagin app.

Up to 2,000 codes. For purchases over the value of the coupon. Valid until 31/12/2024. Requires an account ⁷ and a card ⁸.

Open account Open account

How do I get the 50 €?

Become a customer by opening an imagin account using the code IMAGIN50.

Tap on the module that will appear on the home screen.

Find your personal code in the “notifications” section.

And use it in the Facilitea Shop to enjoy your €50 coupon!

How can I take out the loan?

Choose the Study Loan from here or in the products section of the app.

Select the amount you want to finance.

Set the number of months to repay the loan.

Confirm the loan terms.

Confirm the loan payments.

Do you have any questions?

Who is the Skills & Education – Studies loan intended for?

Loan aimed at residents of Spain who are of legal age and are interested in financing their studies or training to improve their employability.

What items are eligible for financing with the Skills & Education - Studies Loan?

You can finance both your tuition and other study-related expenses.

What kind of studies can be financed?

Advanced vocational training
Undergraduate, graduate and PhD degree
Courses on digital skills and professional training

Studies can be financed both in Spain and in any of the 27 Member States of the European Union and third countries affiliated with the programme (Iceland, Liechtenstein, Norway, North Macedonia, Turkey and Serbia).

View list of permitted countries at this link:
https://erasmus-plus.ec.europa.eu/es/programme-guide/part-a/eligible-countries

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We are what we do

We have been a Certified B Corporation™ since 2020. Discover more here.

IRN: 6402-2023/17317
imagin, a registered trademark of imaginersGen, S.A., an agent of CaixaBank, S.A.

1. Skills & Education Loan: Minimum loan amount: €2,000. Maximum loan amount: €30,000. Repayment period from 12 to 72 months. Loan offered by Nuevo Micro Bank, S.A.U. (Microbank) with tax ID A65619421, and listed in the Bank of Spain Official Register of Companies under number 0133. CaixaBank, S.A. markets Microbank products. The approval of this operation is subject to the analysis of the applicant's credit rating and repayment capacity, in accordance with the risk policies of CaixaBank.

2. The loan has €0 commitment fees. Representative example: APR 8.912% calculated for a €5,000 loan. NIR 7.90%. Repayable over 72 months. Total cost of the loan: €1,294.40. Total amount owed €6,294.40 (capital €5,000 + interest €1,294.40). 71 monthly payments of €87.42. One final payment of €87.58. French repayment system.

3. The grace period is the time during which you only pay interest. Once this period is over, your bill will include interest and principal. The grace period on the principal is optional as long as the total loan duration with the grace period included does not exceed 10 and a half years. Maximum optional grace period of up to 54 months to be applied from the beginning of the loan as long as the end of the grace period does not exceed 12 months after the end of the studies.

4. You can finance up to 100% of the cost of the studies. This amount cannot exceed €30,000.

This financing has been made possible thanks to the support of the European Union within the framework of the European Fund for Strategic Investments (EFSI). The objectives of the EFSI are to help support financing, implement productive investments in the European Union and ensure an increase in access to financing.

Agreement in force until 31/12/2024 or until the €86,000,000 is used up.

5. This coupon must be in your name, it is non-transferable and cannot be combined with other coupons. It is valid until 31/12/2024. It may not be used to pay for products for which Facilitea acts as an intermediary (e.g., insurance policies or alarm services) or products in the outlet or refurbished section. It may be redeemed once only, for the full amount, on purchases over the value of the coupon. If you return the product purchased, the amount will be refunded through a new coupon that will have that same validity date. Amounts will never be refunded by another method (cash, transfer, etc.). The use of the coupon is subject to personal income tax as payment in kind and is subject to payment on account in accordance with current legislation. The coupon will be taxed in your personal income tax in the year in which the coupon is redeemed. CaixaBank will make a deposit in the customer's account to cover the amount to be withheld for tax purposes.

6. TERMS AND CONDITIONS OF SALE. Items sold by Facilitea Selectplace, S.A.U., Gran Via de les Corts Catalanes, 159, 08014 Barcelona. Tax ID: A58481730.

7. No account maintenance fee. The account is not remunerated (0% AER, 0% NIR). CaixaBank, S.A., with Tax ID A08663619, registered in the Special Administrative Register of the Bank of Spain, under code 2100, is the entity offering the bank account.

8. No card issuance or maintenance fee. The credit/debit card is offered by the hybrid payment institution CAIXABANK PAYMENTS & CONSUMER, E.F.C., E.P., S.A.U., (hereinafter CPC), with registered office at Avenida de Manoteras n.º 20, Edificio París (28050 Madrid). The system chosen by CPC to protect the funds of payment service users is to deposit them in a separate account opened with CaixaBank, S.A. Issuance of the credit card subject to approval by CPC. CaixaBank markets the products of CPC.