Loan for Students — 2026
A loan for students is a lending option aimed at students for education or personal needs. Since many students have no stable income, banks usually require a guarantor such as a parent or another person, or the family's income. It is intended for students who want to finance their education costs or small needs.
Sample calculation
Estimated figures for 1 500 AZN, 18 months and ~8.9% effective rate. The exact number depends on the bank's terms.
Loan for Students offers
| Bank | Loan | Rate | Term | |
|---|---|---|---|---|
Rabitəbank
|
Nağd Pul Krediti | 10.5% | 48 mo. | Details |
Yelo Bank
|
İstehlak Krediti | 8.9% | 59 mo. | Details |
Unibank
|
Nağd Kredit | 9% | 60 mo. | Details |
|
Yelo Bank
|
Onlayn Kredit | 8.9% | 59 mo. | Details |
Yapı Kredi Bank
|
İT və Telekommunikasiya krediti | 13% -dən başlayaraq% | 59 ayadək mo. | Details |
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ASB Bank
|
Girovlu Ehtiyac Krediti | 13% | 36 mo. | Details |
İdeal Kredit
|
Nağd Pul | 18%-dən başlayaraq% | 36 ayadək mo. | Details |
|
Yapı Kredi Bank
|
Təkrar Müştəri Krediti | 14%-dən başlayaraq% | 59 ayadək mo. | Details |
Bank Avrasiya
|
Plastik kart krediti | 19% | 48 mo. | Details |
Finoko
|
İstehlak Krediti | 24%-dən başlayaraq% | 60 ayadək mo. | Details |
|
Yapı Kredi Bank
|
Yeni Müştəri Krediti | 15%-dən başlayaraq% | 59 ayadək mo. | Details |
|
Bank Avrasiya
|
Sərbəst Kredit | 19% | 48 mo. | Details |
How to apply?
What to watch for?
- ✓ Ask in advance whether a guarantor or a parent's income is required.
- ✓ Distinguish an education loan from an ordinary consumer loan — the terms and rate may differ.
- ✓ Check whether repayment begins after graduation (a grace period).
- ✓ Even for a small amount, calculate the effective rate and the total amount to be repaid.
Other loan types
Frequently asked questions
Can a student get a loan without income?
Usually the bank requires a guarantor or a parent's income, because a student may not have independent income. Unconditional approval is not promised.
What is the difference between an education loan and a consumer loan?
An education loan may be intended directly for tuition fees and may have a grace-period condition, while a consumer loan is for free use. The rate and terms may also differ.
When should a student start repaying the loan?
In some education loans, repayment is granted a grace period during the study, whereas in ordinary loans it starts immediately. Clarify the grace-period condition in the contract.
Can a student under 18 get a loan?
No, a loan contract is usually concluded from the age of majority (18). At a younger age, only a parent can take out a loan in their own name.