Loans

You will find below a list of loans available to ESCP students, based on your country of residence and nationality. This list is regularly updated to include new countries and banks. Most banks only offer loans to students who are either tax residents or long-term residents of the country in which the bank operates.

IMPORTANT: the rates and details of all loans were last updated in June 2024. Please note that this information may be subject to change, so we strongly recommend checking the details directly with the bank.

Please also note that, even where this is not explicitly mentioned in the eligibility criteria below, many banks are likely to require that your guarantor, or you if the loan does not require a guarantor, has been resident in the country where the loan is taken out for at least two years. In many cases, banks only disclose this additional requirement when they are first contacted by the student.

  • Australia

    Bank name Commonwealth bank of Australia
    Interest rate 5.5% - 6.5%
    Standard Duration Up to 10 years
    Max Amount AUD 100,000 (approx. €62,300)
    Eligibility Criteria Australian citizens or permanent residents
    Website CBA Student Loan

  • Austria

    Bank name Erste Bank
    Interest Rate 3% - 5%
    Standard Duration Up to 10 years
    Max Amount Up to €30,000
    Eligibility Criteria Austrian or EU citizens enrolled in a degree program
    Website Erste Bank Student Loan

  • Belgium

    Bank name ING Belgium
    Interest Rate Options available, please check with the bank
    Standard Duration 6 months to 7 years
    Max Amount Up to €50,000
    Eligibility Criteria Must be 18 years old
    Website: ING Belgium

  • Brasil

    Bank name Banco do Brasil
    Interest Rate 8.50%
    Standard Duration 10 years
    Max Amount BRL 100,000 (approx. €17,000)
    Eligibility Criteria Brazilian citizens, enrolled in universities
    Website Banco do Brasil

  • Canada

    Bank name RBC Royal Bank
    Interest Rate Prime + 1%
    Standard Duration Up to 10 years
    Max Amount CAD 100,000 (approx. €68,300)
    Eligibility Criteria Canadian citizens or permanent residents enrolled in a degree program
    Website RBC Student Loans

  • China

    Bank name Bank of China
    Interest Rate Variable, typically around 5.6% to 6.55%
    Standard Duration Up to 14 years
    Max Amount Up to the total cost of education
    Eligibility Criteria Must be a Chinese national enrolled in a degree program
    Website Bank of China Student Loan

  • Colombia

    Bank name Bancolombia
    Interest Rate 10.00%
    Standard Duration 5 years
    Max Amount COP 200,000,000 (approx. €42,000)
    Eligibility Criteria Colombian nationals, proof of enrollment
    Website Bancolombia

  • Denmark

    Bank name Danske Bank
    Interest Rate 4% - 6% (12-month Euribor)
    Standard Duration Up to 10 years
    Max Amount Up to DKK 300,000 (approx. €40,200)
    Eligibility Criteria Danish nationals or EU citizens
    Website Danske Bank Student Loan

  • France

    Here you can find all the agreements for student loans in France.

  • Germany

    Financial institution BAföG
    Interest Rate 0%
    Standard Duration 20 years
    Max Amount Up to €934 a month
    Eligibility Criteria Must be between 18 and 45 years of age, be a German Resident, be registered in a higher education institution
    Website BAföG
    Financial institution KfW
    Interest Rate 8%
    Standard Duration 25 years
    Max Amount Up to €650 a month
    Eligibility Criteria Must be between between 18 – 44 years old and fall under one of the following categories: German citizens with a domestic primary residence and their dependents (regardless of nationality) who are living with the German citizen, and are registered in Germany; EU citizens who have been lawfully residing in Germany on a permanent basis for at least three years, and are registered in Germany, and their dependents living with the EU citizen in Germany; So-called educational residents with a domestic primary residence who obtained a German Higher Education Entrance Qualification by graduating from a high-school in Germany or a German school abroad.
    Website KfW

  • Greece

    Bank name National Bank of Greece
    Interest Rate 6% - 8%
    Standard Duration Up to 7 years
    Max Amount Up to €25,000
    Eligibility Criteria Greek nationals or EU citizens
    Website NBG Student Loan

  • India

    Bank name State Bank of India (SBI)
    Interest Rate 7.50% - 10.05%
    Standard Duration Up to 15 years
    Max Amount Up to ₹1.5 crore (approx. €187,000)
    Eligibility Criteria Indian nationals enrolled in a full-time degree or diploma course
    Website SBI Student Loan

  • Indonesia

    Bank name HSBC
    Interest Rate 0.88% Monthly (~10.5% APR)
    Standard Duration 3 years
    Max Amount IDR 300 million ( approx. €17.000)
    Eligibility Criteria Indonesian citizens with a minimum age of 21 years and a maximum of 55 years with at least 1 year of employment in the current company
    Website HSBC Personal Loans

  • Italy

    Thanks to our partner Habacus you can discover all the student loans you are eligible for in just a few steps! Click here to find your loan.

    Bank name Banca Sella
    Interest Rate The nominal annual interest rate for the variable rate financing is 7.80%. The annualized rate is 8.084981%. The TAEG for the variable rate example is 8.08%.
    Standard Duration Up to 10 years
    Maximum Amount Given Up to 30.000€
    Eligibility Criteria Must be Italian national or permanent resident for the entire duration of the loan. Additional requisites here.
    Website Banca Sella – Prestito d’Onore
    Bank name BNL
    Interest Rate TAN 4.75%, APR 4.91%
    Standard Duration Up to 10 years
    Maximum Amount Given Up to 70.000€ depending on expenses
    Eligibility Criteria Must be Italian national or permanent resident for the entire duration of the loan. Additional requisites here.
    Website BNL - Futuriamo
    Bank name Intesa Sanpaolo
    Interest Rate 2.50%
    Standard Duration 1 to 30 years
    Maximum Amount Given Up to 50.000€
    Eligibility Criteria Must be Italian national or permanent resident for the entire duration of the loan. Additional requisites here. Please note that ESCP Business School does not have special conditions or agreements and you should follow the standard procedure, you do not need the authorisation of the school.
    Website Intesa Sanpaolo Per Merito
    Bank name Intesa Sanpaolo StudioSì
    Interest Rate 0%
    Standard Duration 1 to 20 years
    Maximum Amount Given Up to 50.000€
    Eligibility Criteria Residing in Abruzzo, Basilicata, Calabria, Campania, Molise, Puglia, Sardinia and Sicily (no guarantor necessary)
    Website StudioSi Loan Intesa Sanpaolo with EIB

  • Lebanon

    Bank name Bank of Beirut
    Interest Rate 6.5% - 8%
    Standard Duration Up to 10 years
    Max Amount Up to €46,700
    Eligibility Criteria Lebanese nationals with admission to a recognised university
    Website Bank of Beirut Student Loan

  • Luxemburg

    Bank name Banque et Caisse d'Épargne de l'État
    Interest Rate 2.5% - 4%
    Standard Duration Up to 10 years
    Max Amount Up to €50,000
    Eligibility Criteria Luxembourg nationals or EU citizens
    Website BCEE Student Loan

  • Mexico

    Bank name BBVA Bancomer
    Interest Rate 9.00%
    Standard Duration 7 years
    Max Amount MXN 500,000 (approx. €25,700)
    Eligibility Criteria Mexican citizens, academic proof
    Website BBVA (Personal Loan)

  • Morocco

    Bank name BMCE Bank
    Interest Rate 5%
    Standard Duration Up to 10 years
    Max Amount MAD 500,000 (approx. €47,000)
    Eligibility Criteria Moroccan nationals with confirmed university admission
    Website BMCE Bank Education Loan
    Bank name Attijariwafa Bank
    Interest Rate 5.75%
    Standard Duration 10 years
    Max Amount MAD 500,000 (approx. €47,000)
    Eligibility Criteria Moroccan citizens, academic merit
    Website Attijariwafa Bank

  • Netherlands

    Bank name ING Bank
    Interest Rate 3.5% - 5%
    Standard Duration Up to 10 years
    Max Amount Up to €30,000
    Eligibility Criteria Dutch nationals or EU citizens
    Website ING Netherlands

  • Norway

    Bank name DNB Bank
    Interest Rate 2% - 4%
    Standard Duration Up to 10 years
    Max Amount Up to NOK 500,000 (approx. €44,300)
    Eligibility Criteria Norwegian nationals or EU citizens
    Website DNB Bank Student Loan

  • Poland

    Bank name Bank Pekao
    Interest Rate 4.50%
    Standard Duration 10 years
    Max Amount PLN 150,000 (approx. €34,300)
    Eligibility Criteria Polish residents, academic standing
    Website Bank Pekao

  • Portugal

    Bank name Caixa Geral de Depósitos
    Interest Rate 1.5% - 3%
    Standard Duration Up to 8 years
    Max Amount Up to €60,000
    Eligibility Criteria Portuguese nationals or EU citizens enrolled in a recognised institution
    Website CGD Student Loan

  • Romania

    Bank name Banca Transilvania
    Interest Rate 5% - 7%
    Standard Duration Up to 10 years (5 year deferral period)
    Max Amount Up to €25,000
    Eligibility Criteria Romanian nationals enrolled in a recognized institution
    Website Banca Transilvania Student Loan

  • Russia

    Bank name Sberbank
    Interest Rate 3% - 12%
    Standard Duration Up to 15 years
    Max Amount Up to RUB 3,000,000 (approx. €31,600)
    Eligibility Criteria Russian citizens enrolled in higher education
    Website Sberbank Student Loan

  • Spain

    Bank name Banco Sabadell
    Interest Rate 5.10% to 7.19%
    Standard Duration Up to 10 years
    Max Amount Up to 120,000€
    Eligibility Criteria Tuition Fees not more than €20,000 a year, must be over 18 years old
    Website Banco Sabadell
    Bank name Micro Bank
    Interest Rate APR 5.12% and TIN 5%
    Standard Duration Up to 6 years
    Max Amount 30,000€
    Eligibility Criteria Must be a Spanish Resident, must be of legal age, must study in Spain or in any of the 27 Member States of the European Union
    Website Micro Bank

  • Sweden

    Bank name Swedbank
    Interest Rate 3% - 5%
    Standard Duration Up to 10 years
    Max Amount Up to SEK 300,000 (approx. €26,500)
    Eligibility Criteria Swedish nationals or EU citizens
    Website Swedbank Student Loan

  • Switzerland

    Bank name UBS
    Interest Rate 4.5% - 6%
    Standard Duration Up to 10 years
    Max Amount Up to CHF 100,000 (approx. €104,300)
    Eligibility Criteria Swiss nationals or permanent residents
    Website UBS Student Loan

  • Taiwan

    Bank name Bank of Taiwan
    Interest Rate 2.5% - 3.5%
    Standard Duration Up to 10 years
    Max Amount Up to TWD 1,000,000 (approx. €28,800)
    Eligibility Criteria Taiwanese nationals
    Website Taiwan’s Student Loan

  • Tunisia

    Bank name Amen Bank
    Interest Rate 6% - 7.5%
    Standard Duration Up to 7 years
    Max Amount TND 100,000 (approx. €29,700)
    Eligibility Criteria Tunisian nationals enrolled in higher education
    Website Amen Bank Student Loan

  • United Arab Emirates

    Bank name Emirates NBD
    Interest Rate 6% - 7.5%
    Standard Duration Up to 5 years
    Max Amount AED 300,000 (approx. €76,400)
    Eligibility Criteria UAE nationals or residents
    Website Emirates NBD Student Loan

  • United Kingdom and Northern Ireland

    Institution name Government Student Loans
    Interest Rate 9% of income above threshold - if you earn less than £ 25,000 a year you do not need to repay
    Standard Duration na
    Max Amount Up to 9,250£ (approx. €11,000)
    Eligibility Criteria na
    Website Government Student Loan - Plan 5

  • Vietnam

    Institution name Vietcombank
    Interest Rate 6% - 9%
    Standard Duration Up to 10 years
    Max Amount Up to VND 500,000,000 (approx. €18,500)
    Eligibility Criteria Vietnamese nationals enrolled in a degree program
    Website Vietcombank Student Loan