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Educational credit: which banks offer study loans and what are the benefits?

Educational credit: which banks offer study loans and what are the benefits?

Financing undergraduate, master’s or doctoral studies, both in the country or abroad, is not easy, as it is usually a sum that exceeds thousands of soles or dollars.

For this reason, many aspiring professionals look for the best rates and facilities to request a loan from different banking entities. In this note, we tell you which banks offer this type of student loans and what requirements they request.


Banco de Crédito del Perú offers you loans to finance up to S/300,000 or 100% of your postgraduate, master’s or specialization studies in local and foreign institutions on a part- or full-time basis. The term to pay off this debt is up to 144 months, with 12 installments per year and with TEA for credit in soles: from 10.5% to 23.5% and in dollars from 9.5% to 18.7%.

Likewise, you can access the grace period of up to 30 months and living expenses up to US$25,000, subject to credit evaluation. The requirements to access this loan are:

  • For this credit you need to have individual income of S/1,500.
  • Request a minimum financing of 12 months and have the acceptance letter or proforma of study costs provided by the educational entity.
  • It is essential not to have a payment problem at the BCP or another financial institution.


Interbank offers you a study loan up to 100% financing, in order to pay for master’s degrees, diplomas and postgraduate studies in general, both nationally and internationally, with full- and part-time programs. Among its benefits you have up to 60 months to pay your fees, in addition to a grace period of up to two years for full-time studies and up to two months for part-time.

The requirements to access this loan are:

  • Between 25 and 71 years of age.
  • Prove minimum net income of S/ 3,000 individually or as a couple.
  • Demonstrate a minimum employment continuity of six months for dependents with a fixed income and one year for all others.
  • Do not present payment problems at Interbank or any other financial institution. For amounts less than US$30,000 in full-time programs, a guarantee is required and for amounts greater than US$30,000, financial support is required.


At BBVA you can request financing for your studies from US$1,000 up to 100% of the cost, with an interest rate from 13.99% for national and foreign universities. The bank gives you the facility to pay in up to 10 years (for full-time studies abroad), after evaluation.

To request it you must meet the following requirements:

  • Receive minimum demonstrable net income of S/2,400 or its equivalent in dollars.
  • Letter of admission to the program.
  • Study budget.
  • Budget for maintenance financing (stay and food), if you request it.


This bank offers loans to finance up to 100% of your studies to pay up to a maximum of 12 months, with competitive and fixed rates for the term that suits your budget. To access this financing, you must comply with the following:

  • Income letter if you are a salaried employee or the last 6 deposit account statements if you are independent.
  • Income greater than S/1,200 per month.
  • Annual tuition fee issued by the corresponding Study Center.
  • You must have and present a receipt for electricity, water or landline telephone.
  • Those who are independent with their own business must have a copy of the Single Taxpayer Registry (RUC), with the Annual Income Tax Affidavit, a copy of the last 3 receipts for professional fees, and finally, the last 2 Affidavits Annual Income Tax.

Source: Larepublica

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