JOVESCREAND
Loans
Need financing for a trip, a car or to launch your project?
Want to sign up for the free Young Package?
Youth Account
Zero maintenance fees, zero surprises.
Carnet Jove Card
Access a world of exclusive discounts and benefits. The card includes an annual fee to access the services and advantages of the Carnet Jove program.
Online banking
Manage your money easily from the app.
Free international SEPA transfers up to the amount of €500.
Young Loan
From a new PC to the trip of your dreams. Whatever you have in mind, find the financing you need with the Young Package.
Start here to make your plans a reality
Lower interest
Interest rate: 0%
*APR: 3.33%. APR calculated for a €5,000 loan over 3 years. Annual Euribor on 17/09/25 applied. The granting of a loan is subject to the bank’s risk criteria.
Young Car Loan
With the Young Package, if you’re under 30 and looking for a car or motorbike, here’s the key!
Benefits you won’t want to miss
APR: 6.28%. APR calculated for a €10,000 loan over 5 years. Annual Euribor on 17/09/25 applied. The granting of a loan is subject to the bank’s risk criteria.
Calculate your payments
Configure the loan according to your financing needs and benefit from a very advantageous variable interest rate.
Detail of your loan
Check the fee and other characteristics of the loan by clicking on "Calculate".
Monthly Fee
Requested amount:
To be returned in: 1 year
Variable interest rate:
APR:
Total amount to be returned:
Available for people over 18 years old
Maximum financing up to: €40,000.00
Maximum term: 5 years
Study fee:
Total or partial cancellation fee:
printCalculation of the APR for the amount of €10,000 to be repaid in 5 years with a variable study fee of 0.50% (minimum €50). The annual Euribor of 07/01/2025 applies.
You must take out the Creand Life Consumer Financing.
The simulations carried out by the bank’s calculator on the basis of data included by the customer/user are merely informative. Therefore, they do not constitute a binding offer or recommendation by Creand Crèdit Andorrà to contract the product indicated, nor any commitment by the bank to grant said product, nor any commitment by the customer/user utilising the simulator to apply for or take out said product. The information contained in the simulator does not replace or amend that included in the pre-contractual and contractual documentation relating to an application for financing. In particular, Creand Crèdit Andorrà will provide the customer/user with the documents established by the applicable regulations.
Young Independence Loan
Getting your own place is easier than ever: take the first step towards independence with the Young Package.
Terms designed to make it a reality
* APR: 3.47%. APR calculated for a €5,000 loan over 3 years. Annual Euribor on 17/09/25 applied. The granting of a loan is subject to the bank’s risk criteria.
Young Entrepreneur Loan
With the Young Package, we’ll help you get your business idea off the ground.
Terms designed to make it a reality
* APR: 3.47%. APR calculated for a €5,000 loan over 3 years. Annual Euribor on 17/09/25 applied. The granting of a loan is subject to the bank’s risk criteria.
Young Study Loan
We help you cover your education costs and expenses, so you can just focus on learning.
Terms designed with you in mind
*APR: 3.47%. APR calculated for a €5,000 loan over 3 years. Annual Euribor on 17/09/25 applied. The granting of a loan is subject to the bank’s risk criteria.
FAQs
The Young Package is designed for young people like you, with everything you need to manage your money easily and free of charge. It includes:
- Online banking: Access your account anytime, anywhere to check your balance, make transfers and more.
- Free bank account: No management or maintenance fees.
- Carnet Jove card: A debit card linked to your account for payments and cash withdrawals. Developed in partnership between Creand and the Andorran Carnet Jove Association. An annual €7 membership fee applies for the Carnet Jove Andorra programme.
You’ll also have access to a range of products with great terms, including loans, Creand Index Funds, the CryptoWallet service and the Creand Young Health Plan.
This package is designed for young people aged 18 to 30 who live in Andorra.
No, opening the Young Package is completely free. Both the account maintenance and the services linked to the card and online banking are also free of charge. However, the Carnet Jove card carries a €7 annual membership fee for the Carnet Jove Andorra programme.
Yes. Once you’ve opened the Young Package, you’ll have access to a range of products with great terms, including loans, Creand Index Funds, the CryptoWallet service and the Creand Young Health Plan
