Salary Loan | NIR: 5.90% / APR: 6.062%

With your salary paid directly into your account, get a loan¹ of up to €60,000 for whatever you need: do something new, buy a car, travel, get the latest in technology, renovate your house... For whatever you want, and whenever you want.

1. French repayment system. Representative example: APR: 6.062%, calculated for a €10,000 loan over six years. NIR: 5.90%. Total amount owed: €11.898,46 (€10,000 capital + €1.898,46 interest). Total cost of the loan: €1.898,46. Monthly payments: 71 instalments of €165.26 and a final instalment of €165. Approval subject to analysis of the applicant's credit rating and ability to repay, in accordance with the bank's risk policies.

NRI: 7971-2025/09542

Express Wage Advance¹

Just because you are an employee of a high-value group and have your salary paid directly into CaixaBank, we will advance up to three months' salary as a loan. The minimum amount is €50 with a 2,50% commitment fee and a single repayment term of ten months.

1. Advance structured as a loan with a minimum amount of €750. French repayment system. The APR will vary depending on the amount. First representative example. APR: 5,70%, calculated for a €5,000 loan over ten months. NIR: 0%. Total amount owed: €5,125 (€5,000 capital + €125 arrangement fee). Total cost of the loan: €125. Monthly payments: 10 instalments of €500. Second representative example. NIR: 0%. APR: 7.71%, calculated for a €1,500 loan over ten months. Total amount owed: €1,500 (€1,500 capital + €50 arrangement fee). Total cost of the loan: €50. Monthly payments: 10 instalments of €150. Third representative example. NIR: 0%. APR: 16,41%, calculated for a €750 loan over ten months. Total amount owed: €800 (€750 capital + €50 arrangement fee). Total cost of the loan: €50. Monthly payments: 10 instalments of €75. Financing conditions valid only for new transactions; approval of this transaction is subject to an analysis of the applicant's credit rating and repayment capacity, in accordance with CaixaBank's risk policies. For another approach to financial transactions or a request for services other than those in this offer, please ask, as they will be reviewed with a personalized service from our Bank.

NRI: 7314-2024/09542

Degree/Master's Degree Study Loan¹ | NIR: 5.00% / APR: 5.12%

Easy financing for your studies and those of all the members of the family unit

• Amount: tuition fees and related expenses*
• Repayment period: up to 10 years
• Capital grace period: up to 5 years **
• Drawdowns: annual or half-yearly***
• No start-up or repayment fees 

1. Degree/Master's Degree Study Loan. French repayment system. Representative example with no grace period: 5.12% AER, calculated for a €10,000 loan. NIR: 5.00%. Repayment term: 5 years. Total amount owed: €11.322,74 (€10,000 capital + €1.322,74 interest). Total cost of the loan: €1.322,74. Monthly payments: 59 instalments of €188.71 and a final instalment of €188.85. Approval of this operation is subject to an analysis of the applicant's credit rating and repayment capacity, in accordance with CaixaBank's risk policies.

* The financing of the tuition fees for each academic year must be accredited by official documentation from the school where the studies are to be undertaken, showing the amount and duration of said studies. 

** The grace period is optional. During that period, the customer can make drawdowns on the total amount granted. The monthly payments will thus only correspond to the payment of interest on the amounts made available and therefore no capital will be repaid during this period.

*** After the grace period, no more drawdowns may be made. The total amount owed with a grace period is higher than the total amount without a grace period. At the time of the loan application, the total amount to be requested must be indicated, although it will be made available in different academic years or semesters. Every year or semester you must therefore indicate how much of the total loan you wish to have available. Only annual or six-monthly drawdowns can be made during the grace period; these will correspond to the cost of the tuition fees and additional expenses related to the studies. To make drawdowns, the student must show proof of having passed at least 70% of the credits from the previous academic year. You will therefore be requested to show both registrations and confirm that 70% of the credits for which you are registering are different from those taken the previous academic year.

NRI: 7312-2024/09542