{"id":111,"date":"2025-08-19T00:00:00","date_gmt":"2025-08-18T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2020\/07\/17\/le-credit-etudiant\/"},"modified":"2025-08-20T15:33:29","modified_gmt":"2025-08-20T13:33:29","slug":"credit-etudiant","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/credit-etudiant\/","title":{"rendered":"Le cr\u00e9dit \u00e9tudiant"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Un \u00e9tudiant doit faire face \u00e0 de nouvelles d\u00e9penses : frais de scolarit\u00e9, \u00e9quipements, ou encore d\u00e9penses courantes (loyer, nourriture, etc.)... Les jeunes peuvent b\u00e9n\u00e9ficier  de cr\u00e9dit \u00e9tudiant ou encore d'un pr\u00eat \u00e9tudiant \u00e0 taux z\u00e9ro. Entre conditions d'acc\u00e8s, assurance et garantie, il est important de s'appuyer sur des comparatifs pour trouver le meilleur pr\u00eat, le plus adapt\u00e9 \u00e0 sa situation et ses projets.\u00a0<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment fonctionne un cr\u00e9dit \u00e9tudiant ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L'utilisation des fonds pr\u00eat\u00e9s dans le cadre d'un\u00a0<strong>cr\u00e9dit \u00e9tudiant <\/strong>n'est pas contr\u00f4l\u00e9e. Vous pouvez ainsi les utiliser pour l'achat de mat\u00e9riel informatique, d'un scooter, voire pour une ann\u00e9e d'\u00e9tudes \u00e0 l'\u00e9tranger, etc. Les fonds peuvent \u00eatre mis \u00e0 disposition en 1 ou plusieurs fois. Il est pr\u00e9f\u00e9rable de les utiliser au fur et \u00e0 mesure de vos besoins. Cela diminue en effet le co\u00fbt des int\u00e9r\u00eats et \u00e7a peut m\u00eame vous assurer des revenus r\u00e9guliers pendant la dur\u00e9e de vos \u00e9tudes.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les remboursements du pr\u00eat \u00e9tudiant commenceront lors de votre entr\u00e9e dans la vie active. Or, \u00e0 ce moment l\u00e0, vous aurez aussi sans doute besoin de financement pour vous \u00e9quiper (logement, voiture, etc.).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quel taux pour un pr\u00eat \u00e9tudiant ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>taux d'int\u00e9r\u00eat<\/strong> propos\u00e9 est particuli\u00e8rement attractif. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il est ainsi bien inf\u00e9rieur \u00e0 celui des autres pr\u00eats (2 \u00e0 3 points de moins) et certaines\u00a0<strong>banques <\/strong>prennent les frais de dossier \u00e0 leur charge.\u00a0Dans beaucoup de grandes \u00e9coles, un accord a \u00e9t\u00e9 n\u00e9goci\u00e9 avec une ou plusieurs banques pour b\u00e9n\u00e9ficier d'un <strong>taux privil\u00e9gi\u00e9<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quel montant demander pour un cr\u00e9dit \u00e9tudiant ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le&nbsp;<strong>montant d\u00e9pend des besoins de l\u2019\u00e9tudiant<\/strong>, de la <strong>dur\u00e9e de ses \u00e9tudes<\/strong> et de ses possibilit\u00e9s de remboursement une fois qu\u2019il sera entr\u00e9 dans la vie active.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le montant peut ainsi varier en fonction de votre&nbsp;<strong>dossier<\/strong>, de vos <strong>\u00e9tudes <\/strong>et des \u00e9tablissements bancaires, en g\u00e9n\u00e9ral entre 800 et 50 000 euros. Toutefois, certaines banques proposent davantage, jusqu'\u00e0 120 000 euros, voire plus.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quelle banque choisir pour un pr\u00eat \u00e9tudiant ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le plus simple est de contacter votre conseiller bancaire ou de vous adresser \u00e0 la banque de vos parents une simulation. Cela vous permettra de connaitre rapidement les conditions et le co\u00fbt de ce cr\u00e9dit ou encore de b\u00e9n\u00e9ficier d'une <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/des-offres-pour-les-jeunes-etudiants-apprentis\/\" target=\"_blank\" rel=\"noreferrer noopener\">offre group\u00e9e<\/a> de services li\u00e9e \u00e0 votre nouveau statut d'\u00e9tudiant. Vous pouvez aussi utiliser les comparatifs et les simulateurs d'autres banques.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quelles sont les conditions pour obtenir un cr\u00e9dit \u00e9tudiant ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Comme pour tout cr\u00e9dit, la banque est libre d\u2019accepter ou de refuser de vous octroyer ce type de pr\u00eat. Chaque banque a en effet sa propre politique des risques : cela peut d\u00e9pendre du <strong>dipl\u00f4me <\/strong>pr\u00e9par\u00e9, des <strong>revenus <\/strong>des parents ou de la personne qui va se porter caution.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous devrez fournir un certain nombre de <strong>documents <\/strong>notamment votre carte \u00e9tudiante en cours de validit\u00e9 ou une attestation de scolarit\u00e9, \u00e9ventuellement la notification d'attribution conditionnelle ou d\u00e9finitive de bourse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour les \u00e9tudiants qui n\u2019ont pas de proches pouvant \u00eatre caution du pr\u00eat, il existe le <strong>pr\u00eat \u00e9tudiant \u00e0 taux z\u00e9ro <\/strong>et garanti par l\u2019\u00c9tat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quand et comment rembourser un cr\u00e9dit \u00e9tudiant ?<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Pendant vos \u00e9tudes<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Vous avez le choix entre une <strong>franchise <\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>totale, c'est-\u00e0-dire que vous ne payez que les <strong>primes d'assurance<\/strong>,<\/li><li>ou partielle, vous remboursez au moins en partie les <strong>int\u00e9r\u00eats<\/strong>, en plus des primes d'assurance. Cela \u00e9vite que votre endettement augmente chaque ann\u00e9e.<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Apr\u00e8s vos \u00e9tudes<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e8s que vous \u00eates dans la vie active, vous remboursez le reste de votre pr\u00eat \u00e9tudiant. Vous devez \u00e9valuer au mieux la charge de remboursement que vous aurez \u00e0 supporter. Anticipez le fait qu'entre la fin de vos \u00e9tudes et le d\u00e9but des remboursements, votre<strong> recherche d'emploi <\/strong>pourrait s'av\u00e9rer plus longue que pr\u00e9vu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les remboursements du pr\u00eat \u00e9tudiant ne peuvent pas \u00eatre <strong>diff\u00e9r\u00e9s <\/strong>au-del\u00e0 de <strong>10 ans<\/strong> apr\u00e8s la date de contraction du pr\u00eat. Il est possible de rembourser par anticipation, comme pour les autres pr\u00eats.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quelle garantie pour un cr\u00e9dit \u00e9tudiant ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Souvent un \u00e9tudiant ne peut pas justifier de <strong>revenus <\/strong>r\u00e9guliers et suffisants. Il est probable alors qu'une caution parentale ou celle d'un proche soit demand\u00e9e pour garantir le pr\u00eat \u00e9tudiant.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les <strong>revenus <\/strong>et <strong>charges <\/strong>de cette caution seront pris en compte pour calculer le <strong>taux d'endettement <\/strong>car ce sera \u00e0 lui de rembourser le cr\u00e9dit \u00e0 la place de l'\u00e9tudiant en cas de probl\u00e8me.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L'exigence de cautionnement n'est pas syst\u00e9matique. Cela d\u00e9pend de la situation et \u00e9ventuellement de la pr\u00e9sentation d'une autre garantie.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment obtenir un pr\u00eat \u00e9tudiant \u00e0 taux z\u00e9ro, garanti par l'Etat ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ce pr\u00eat \u00e9tudiant b\u00e9n\u00e9ficie \u00e0 hauteur de 70% de la <strong>garantie de l'Etat<\/strong> qui repose sur un fonds de garantie g\u00e9r\u00e9 par BPI France. Les 30 % restant sont pris en charge par les banques partenaires du dispositif. Il n'est donc pas demand\u00e9 de cautionnement. Il peut \u00eatre accord\u00e9 sans condition de ressources.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour pouvoir b\u00e9n\u00e9ficier d'un pr\u00eat \u00e9tudiant, vous devez \u00eatre :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>inscrit <\/strong>dans un \u00e9tablissement d'enseignement sup\u00e9rieur fran\u00e7ais (pour une certification, un concours ou un dipl\u00f4me),<\/li><li>\u00e2g\u00e9 d'au moins<strong> 18 ans<\/strong> (\u00eatre mineur \u00e9mancip\u00e9) et pas plus de <strong>28 ans<\/strong> \u00e0 la date de conclusion du cr\u00e9dit,<\/li><li>de <strong>nationalit\u00e9 fran\u00e7aise<\/strong> ou poss\u00e9der la nationalit\u00e9 de l'un des Etats membres de l'Union europ\u00e9enne ou de l'Espace \u00e9conomique europ\u00e9en \u00e0 condition de justifier d'une r\u00e9sidence r\u00e9guli\u00e8re ininterrompue en France depuis <strong>au moins 2 ans<\/strong> au moment de la conclusion du pr\u00eat.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Le montant de ce type de pr\u00eat \u00e9tudiant est limit\u00e9 \u00e0<strong> 20 000 euros<\/strong>. Vous commencerez \u00e0 le rembourser apr\u00e8s la fin de vos \u00e9tudes, quand vous commencerez \u00e0 travailler.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour plus d'informations, consultez le <a href=\"http:\/\/www.etudiant.gouv.fr\/cid96244\/le-pret-etudiant-garanti-par-etat.html\">site du Minist\u00e8re<\/a>. Pour faire une demande, connectez-vous et sollicitez une demande d\u2019attestation <a href=\"https:\/\/tokens.bpifrance.fr\/?pk_vid=050273b73e4ef21517137892985c9736\">sur la plateforme d\u00e9di\u00e9e<\/a>. Puis fournissez cette attestation \u00e0 votre banque partenaire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A savoir : Ce dispositif ne cr\u00e9e pas un droit au cr\u00e9dit pour les \u00e9tudiants. Les banques analysent toujours le dossier pr\u00e9sent\u00e9 afin d'\u00e9viter les situations de <strong>surendettement<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Questions fr\u00e9quentes<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Peut-on cumuler les aides financi\u00e8res et un pr\u00eat \u00e9tudiant ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Il est tout \u00e0 fait possible de cumuler plusieurs <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/aides-financieres-pour-etudiant\/\" target=\"_blank\" rel=\"noreferrer noopener\">aides financi\u00e8res<\/a> pour un projet \u00e9tudiant, comme les bourses d'\u00e9tude, les subventions avec un pr\u00eat \u00e9tudiant.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Doit-on souscrire une assurance pour un cr\u00e9dit \u00e9tudiant ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">En g\u00e9n\u00e9ral, une assurance facultative est propos\u00e9e : assurance D\u00e9c\u00e8s, Perte Totale et Irr\u00e9versible d'Autonomie, Invalidit\u00e9 Permanente et Incapacit\u00e9 de Travail. Elle est calcul\u00e9e sur le montant total du pr\u00eat.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \"Le cr\u00e9dit \u00e9tudiant\":<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.economie.gouv.fr\/particuliers\/pret-etudiant-garanti-etat\" target=\"_blank\">Qu'est-ce que le pr\u00eat \u00e9tudiant garanti par l'\u00c9tat ? sur economie.gouv.fr<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.etudiant.gouv.fr\/fr\/pret-etudiant-garanti-par-l-etat-1723\" target=\"_blank\">Pr\u00eat \u00e9tudiant garanti par l'\u00c9tat sur etudiant.gouv.fr<\/a><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" 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media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/financer-permis-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/financer-permis-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/financer-permis-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/financer-permis-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Son budget<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Financer son permis de conduire<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--noBg\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:244,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/guide-mon-argent-je-gere\/&quot;,&quot;title&quot;:&quot;Jeunes : Mon argent ? 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Je g\u00e8re<\/span>\n                <\/h3>\n                                <p class=\"card__article\">\u00c0 16, 20 ou 25 ans, l&#039;autonomie financi\u00e8re se construit pas \u00e0 pas, quel que soit l&#039;\u00e2ge. Apprendre \u00e0 g\u00e9rer son budget est crucial, surtout avec des moyens limit\u00e9s. Il n&#039;y (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Un \u00e9tudiant doit faire face \u00e0 de nouvelles d\u00e9penses : frais de scolarit\u00e9, \u00e9quipements, ou encore d\u00e9penses courantes (loyer, nourriture, etc.)... Les jeunes peuvent b\u00e9n\u00e9ficier de cr\u00e9dit \u00e9tudiant ou encore d'un pr\u00eat \u00e9tudiant \u00e0 taux z\u00e9ro. Entre conditions d'acc\u00e8s, assurance et garantie, il est important de s'appuyer sur des comparatifs pour trouver le meilleur pr\u00eat, [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":5126,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":12,"views":12055,"viewed_at":"1778495791","newsletter":"0","_yoast_wpseo_primary_category":58,"footnotes":""},"categories":[60,62,59,48,58,277,270],"tags":[],"class_list":["post-111","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-etudiant","category-financer-ses-etudes","category-jai-des-enfants","category-le-credit-a-la-consommation","category-les-differents-types-de-credit-a-la-consommation","category-mes-credits","category-mes-moments-de-vie"],"yoast_head":"<title>Le cr\u00e9dit \u00e9tudiant - Les diff\u00e9rents types de cr\u00e9dit \u00e0 la consommation - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Le cr\u00e9dit \u00e9tudiant permet de payer vos frais de scolarit\u00e9, vos d\u00e9penses importantes (ordinateur, scooter...), et courantes (loyer, nourriture...).\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/credit-etudiant\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le cr\u00e9dit \u00e9tudiant - 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