Student loans - Banks:

1. Gather all the required documents: Banks will usually evaluate the applicant's character, capacity to repay the loan and ability to comply with the banks' condition. The documents you will be presenting will aid the bank in making a decision whether to grant or deny your loan request. Make sure that you can present and submit all the required documents that the bank is asking for. Some banks may ask you to submit additional documents aside from the ones listed on the 'Required documents' section, it will be better if you can get in touch with the bank by phone or check the bank's website first before going to the bank. Ask the bank representative/loan officer if he/she can give you a checklist of required documents and direct you to the nearest branch of the bank in your area.
2. Starting your application:
   1. Most loan applications are done in person, with the borrower going to the bank, filling in an application form and submitting the completed form along with all other required documents. Note: Before you go to the bank check you will have to set up an appointment first.
   2. It might also be helpful if you can check the bank's website again and see if you can start your loan application online. Some banks have a preliminary application form available online which the borrower must fill in and submit. After reviewing the application, a lending officer will contact you to discuss your application.
   3. For applicants who are minors: Banks may require to you to come in to their office with your legal representative (parent or guardian)in order for you to obtain a student loan. Your legal representative must be able to present a valid identification along with all other required documents.
3. Loan Agreement: After submitting all the required documents and once it is approved, the bank will ask you along with your and/or your legal representative to sign the loan agreement. For some banks the loan agreement form is actually the application form itself. Usually found on the bottom of the form is the loan agreement clause where it states the terms of the loan and features a space where the borrower can affix his/her signature and sometimes another space for the guarantor. Note: Read the loan agreement carefully before you sign, take note of the interest rate, grace period, when you will start repaying the loan and any penalties in case of default.

Some documents that banks may ask loan applicants to produce:

• Signed application form
• A valid identity document of the borrower and the guarantor: national identity card, passport, temporary residence card accompanied by a birth certificate (not more than 3 months old).
• Proof of residence (not more than 3 months old): invoice EDT, Bill OPT fixed telephone, rental contract (lease), residence certificate or certificate of accommodation signed by the proprietor accompanied by his/her identification.
• Certificate of school attendance of the borrower.
• If the student(applicant) is a minor: the agreement of your legal representative (parent or guardian) is required in order for you to obtain a student loan. Your legal representative must be able to present a valid identification along with all other required documents:
  • Proof of income for the guarantor: contract of employment along with his/her last 3 pay slips
  • Proof of other income: Allocation, retirement (pension bulletin), alimony (judgment), rent (lease agreement).

Note: Documents listed above are just some of the requirements that a bank may ask you to submit, it may vary per bank or some banks may ask you to produce additional documents. Get in touch with the bank by phone or check the bank's website first before going to their office to apply for a loan.

Please list down the office locations that can be approached for applying. External links can also be used specifying office locations.

Student loans are usually offered to full-time students.

If the student(applicant) is a minor: the agreement of your legal representative (parent or guardian) is required in order for you to obtain a student loan.

Some banks do not charge a fee to process a student loan application.

Repayment period for most student loans starts after course completion, some bank offers student loans with repayment period of 36 months.

Repayment period may vary per bank.

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Things you should know before applying for a loan:

Before you apply for a loan, carefully take note of the interest rate, conditions, and repayment scheme that the bank is offering. Look into several banks and do some research regarding the banks application process. It may be helpful if you can ask your university/college if they offer any loans to students or if they have partnered with any banks that offers student financing.

One thing that you also need to consider in choosing where to apply for a student loan is the bank's customer service, since student loans are usually long term, it will make transactions easier and can save you from a lot of stress in the future if your bank has good and accommodating bank representatives or loan officers.

Tip: You may not need to accept the entire loan amount the bank is offering you. Since you will be paying back the loan sometime in the future, it will be more ideal if you will only borrow what you need.

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There are banks in French Polynesia that offers loans that can help pay for the cost of college/university education and living expenses during the course of study.

Designed to help students pay for university/college tuition, books, and living expenses, student loan differs from other types of loans with its interest rate substantially lower and repayment of the loan may be deferred while the student is still in school.

Following is a guide on how students can apply for a loan or seek financial aid in French Polynesia.

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