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This number indicates the risk of the product, 1/6 indicates low risk and 6/6 high risk.
Unicaja Banco, S.A. is a member of the Deposit Guarantee Fund for Credit Institutions created by Royal Decree-Law 16/2011, of 14 October, covering a maximum amount of €100,000 (or, in the case of deposits not denominated in euros, its equivalent in the relevant currency) per depositor and per credit institution.
Risk score related to the account.
So studying is your only concern
Study without any worries
We offer you a loan to finance your studies' enrolment fee in full up to a maximum amount of €4,000(1).
No fees and interest-free
This loan at an interest rate of 0%(1) does not have any front-end or assessment fees.
To apply for an Enrolment Loan, you must have subscribed the following services: account + debit card + Digital Banking service, which are free(2) if you are between 18 and 27 years age.
Repay it in a year
Because you have to term of up to 12 months to repay your enrolment fee.
The Enrolment Loan allows you to finance the full amount of your studies' enrolment fee up to a maximum of €4,000 and you won't have to pay any interest, since we offer you a fixed interest rate of 0%(1).
Don't pass up the chance of studying by paying for your enrolment fee in 12 months without having to pay any kind of fees.
Thanks to the Enrolment Loan, you'll be able to commence your studies on the right foot, carry on with the studies you are doing or take up that educational project again you had on hold for a while.
The Enrolment Loan from our offering of financing products for studies is aimed at all kinds of specialised education. It is a loan for university students, vocational training and special scheme teaching at the same time.
Besides, it doesn't matter where you are doing your studies because the Enrolment Loan is valid for both public and private centres, including online courses.
University students can apply for an Enrolment Loan, but vocational training and special scheme teaching students (artists, sportsmen, religious studies and foreign language studies) may also do so.
Yes, they can. It is not necessary to have a salary to obtain an Enrolment Loan. However, it is necessary to have a personal guarantee or ask your parents, guardians or any other person that guarantees the transaction to provide security.
Yes, it is possible to obtain an Enrolment Loan and at the same time request deferred payment of your university enrolment fee or any other kind of tuition fee for the studies mentioned above.
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We showcase the new university degrees geared at the career paths in greatest demand. Are you unsure about or don't know how to channel your future career? Don't worry!View university degrees to succeed
Find out about dual vocational training
Dual vocational training is a relatively new methodology that could be what you are seeking for your future. It combines doing studies at an educational centre with working at an associated company.View dual vocational training
Find out which vocational training cycles offer the best job opportunities here
If you are interested in boosting your chances of finding a job when it comes to choosing your profession, have a glance at the vocational training cycles that offer the best job opportunities.View vocational training cycles offering the best
In order to be able to subscribe the Enrolment Loan, you may go to any of our Unicaja Banco branches where we will be pleased to attend you.
If you prefer, you may also apply for the Enrolment Loan by filling in the application form and stating which branch you prefer to process it at. We shall shortly contact you.
Remember that, in the event of any doubt or query, you may call our customer care service: +34 952 07 62 63.
(1) Granting subject to the institution's criteria. Nominal annual interest rate: 0.00%. AER: 0.00%. Simulation for a loan amounting to €4,000 having a twelve-month term: monthly repayments of €333.33, except the last repayment of €333.37. Front-end fee of 0%. Exempt from assessment fees. Total amount owed: €4,000. Loan's terms and conditions valid until 31/12/2021.
(2) The Youth Account is an account that is free from any fees for account maintenance, transfers, giros and other payment orders denominated in euros debited to the account and made between customer payment accounts located in the SEPA, including standing orders, cheque negotiation and clearance, and Youth Mastercard Contactless Debit Card maintenance fees.
Any natural person aged between 18 and 27 may open a Youth Account. Nominal annual interest rate of 0.00%. AER of 0.00% interest-free. Only people aged under 28 may sign up for a Youth Mastercard Contactless Debit Card. Issuance and maintenance fee of €0.
With the Grant Advance you will get 100% in advance of your grant the Ministry of Education grant the Ministry of Education, up to 3,000 euros.View Grant Advance
Access your Unicaja Banco accounts and products by computer. The perfect tool to manage your day-to-day finances.
Immediate access to your Unicaja Banco accounts and products. Consult and perform banking operations wherever you are.
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