Sphere

Banking partners

You participate in a continuous training program (diploma, certification, short training...).

Higher education programs

These offers are valid for the academic year 2025-2026

logo lcl
Vincent MUNOZ
Branch Manager
+33 4 72 80 89 47 
vincent.munoz@lcl.com
Le drapeau français
Jérémie FORESTIER
Personal Banking Advisor
+33 4 72 80 89 47 
jeremie.forestier@lcl.com
Langue française et langue anglaise

Jean Jaurès Agency
4 rue Marie Madeleine Fourcade
69007 Lyon
 

Interest rate excluding insurance: 0,99%

  • Up to €5,000, interest rate excluding insurance: 0,90% (offer valid until October 31 2025 for this rate)

*Subject to the study of your file by one of our advisors


Borrowing without a guarantor

  • Loan without guarantee possible for a limited amount and according to eligibility criteria defined by the bank. For more information, please contact your banking partner


Borrowing with a guarantor

  • Maximum amount 75 000€. Solvency study of the French guarantor and resident in France


Document to download

Flyer


Advantages

  • €80 bonus for any online account opening (please choose the campus branch) + special rates for students
  • Free Visa Premier card for 4 years
  • LCL City Explorer allows students to benefit from an exemption from LCL fees on card transactions (payments and ATM withdrawals) made in foreign currencies (outside the euro zone). €2/month for under 30s (offer can be activated and deactivated on the LCL application). Possibility of setting up a €1,000 cash advance at 0% for 12 months
  • Authorized overdraft at no cost with a limit of €300.
  • Free LCL My Accounts application. Paylib between friends and Apple Pay.
  • Driving licence loan of €1/day for cars and motorbikes. MRH home insurance: €1 for the first year


International students

  • A guarantor not subject to a residence permit and resident in France for tax purposes is required + study of the guarantor's solvency

Online appointment booking available from the application or the LCL.FR.fr website. Possibility to open an account and a student loan 100% online and remotely in less than 10 minutes

More information


 

We would like to inform you that Early Makers Group has established a partnership with LCL in order to offer you advantageous financing solutions. However, please note that its role is limited to facilitating access to these financing options, and we assume no direct or indirect liability related to the financial services provided by this bank. Early Makers Group cannot be considered as a banking intermediary.
 

Credit terms, including interest rates, fees and repayment terms, are determined exclusively by LCL. We strongly encourage you to carefully examine the terms of the proposed credit and to directly consult the identified LCL contacts for any clarification or additional information.
 

Early Makers Group declines all responsibility for any loss, damage or inconvenience resulting from taking out a loan with a bank financing organization and cannot be held responsible for participants' individual financial decisions. By taking out a loan as part of this partnership, participants acknowledge and accept that our training organization is not a party to the contractual relationship between them and LCL.


 
logo cic
Contact 
+33 04 37 23 61 03 
contact-cic-emlyon@cic.fr
Langue française et langue anglaise

 

Lyon République Agency
8 rue de la République 69001 Lyon

Lyon Bellecour Agency
25 place Bellecour 69002 Lyon

Lyon Jean Macé Agency
1 place Jean Macé 69007 Lyon

Lyon Agency  Gerland
32 Rue Jacques Monod 69007 Lyon
 

Interest rate excluding insurance: 1,70% (rate valid until May 31, 2025)

Borrowing without a guarantor

  • Loan without guarantee possible for a limited amount and according to eligibility criteria defined by the bank. For more information, please contact your banking partner


Borrowing with a guarantor

  • Maximum amount 80 000€. Guarantor natural person resident in France for tax purposes


Documents to download


Advantages

  • €80 paid into the account
  • 1 year of personal contract offered
  • 2 months free car and home insurance
  • 2 months of free telephone packages


International students

  • We invite you to contact the referent at the bank agency to find out how to apply for a loan
     

We would like to inform you that Early Makers Group has established a partnership with CIC in order to offer you advantageous financing solutions. However, please note that its role is limited to facilitating access to these financing options, and we assume no direct or indirect liability related to the financial services provided by this bank. Early Makers Group cannot be considered as a banking intermediary.


Credit terms, including interest rates, fees and repayment terms, are determined exclusively by CIC. We strongly encourage you to carefully examine the terms of the proposed credit and to directly consult the identified CIC contacts for any clarification or additional information.


Early Makers Group declines all responsibility for any loss, damage or inconvenience resulting from taking out a loan with a bank financing organization and cannot be held responsible for participants' individual financial decisions. By taking out a loan as part of this partnership, participants acknowledge and accept that our training organization is not a party to the contractual relationship between them and CIC.
 

Logo BNP PARISBAS
Debhora BARROT
Agency Director
drapeaux - emlyon business school
Jérémy LEVACHER
Agency Director
Langue française et langue anglaise

Lyon Gerland Agency
Debhora BARROT
Place Jean Macé
69007 Lyon

Lyon Part Dieu Agency
Jérémy LEVACHER
150 rue du Docteur Bouchut
69003 Lyon


Interest rate excluding insurance: 0.99% until June 30, 2025


Borrowing without a guarantor

  • Eligibility: this loan is dedicated to adult students who are recipients of scholarships from the French State and from the Conférence des Grandes Écoles.
  • Financial conditions: loan at 0.99% up to €20,000 over a maximum period of 96 months (including deferment). Rate valid until January 31, 2025.

    Learn more

Borrowing with a guarantor


Advantages

  • €80 free for every first account opening
  • Free "Esprit Libre" formula for the duration of your studies
  • Free withdrawals abroad from our partners in over 50 countries
  • Home insurance offer for students


Support documents


International students

  • We invite you to contact the referent at the bank agency to find out how to apply for a loan


We would like to inform you that Early Makers Group has established a partnership with BNP Paribas in order to offer you advantageous financing solutions. However, please note that its role is limited to facilitating access to these financing options, and we assume no direct or indirect liability related to the financial services provided by this bank. Early Makers Group cannot be considered as a banking intermediary.


Credit terms, including interest rates, fees and repayment terms, are determined exclusively by BNP Paribas. We strongly encourage you to carefully examine the terms of the proposed credit and to directly consult the identified BNP Paribas contacts for any clarification or additional information.


Early Makers Group declines all responsibility for any loss, damage or inconvenience resulting from taking out a loan with a bank financing organization and cannot be held responsible for participants' individual financial decisions. By taking out a loan as part of this partnership, participants acknowledge and accept that our training organization is not a party to the contractual relationship between them and BNP Paribas.
 

logo bnp paribas
Bruno SESSI
Agency director
+33 7 60 61 39 84 
bruno.sessi@bnpparibas.com

23 boulevard Diderot
75012 Paris


Interest rate excluding insurance: 0.99% until June 30, 2025


Borrowing without a guarantor

  • Eligibility: This loan is dedicated to adult students who are recipients of scholarships from the French State and from the Conférence des Grandes Écoles.
  • Financial conditions: Loan at 0.99% up to €20,000 over a maximum period of 96 months (including deferment). Rate valid until January 31, 2025.

    Learn more


Borrowing with a guarantor

  • Maximum amount 75 000€. Proof of student status (school card). For further information, please contact the agency


Documents to download


Advantages

  • €80 free at opening
  • Free banking services during your studies


Support documents


International students

  • A guarantor not subject to a residence permit and resident in France for tax purposes is required


We would like to inform you that Early Makers Group has established a partnership with BNP Paribas in order to offer you advantageous financing solutions. However, please note that its role is limited to facilitating access to these financing options, and we assume no direct or indirect liability related to the financial services provided by this bank. Early Makers Group cannot be considered as a banking intermediary.


Credit terms, including interest rates, fees and repayment terms, are determined exclusively by BNP Paribas. We strongly encourage you to carefully examine the terms of the proposed credit and to directly consult the identified BNP Paribas contacts for any clarification or additional information.


Early Makers Group declines all responsibility for any loss, damage or inconvenience resulting from taking out a loan with a bank financing organization and cannot be held responsible for participants' individual financial decisions. By taking out a loan as part of this partnership, participants acknowledge and accept that our training organization is not a party to the contractual relationship between them and BNP Paribas.
 

logo société générale
Vanessa N’GONZIN ZONGA
Client Advisor
+33 1 44 67 58 43 
vanessa.zonga@socgen.com
Langue française et langue anglaise
Vanina BUSSY
Partnership Manager
+33 6 15 34 79 71 
Langue française et langue anglaise

6 rue de Lyon
75012 Paris
 

Interest rate excluding insurance : for any simulation, please contact the agency


Borrowing with a guarantor

  • Maximum amount 120 000€
    Solvency - french tax-resident guarantor. For further information, please contact the agency.


Advantages

  • 80€ at the opening
  • Debit card at €1 during 4 years
  • International option at €2/month


International students

  • We invite you to contact the referent at the bank agency to find out how to apply for a loan

     

We would like to inform you that Early Makers Group has established a partnership with Société Générale in order to offer you advantageous financing solutions. However, please note that its role is limited to facilitating access to these financing options, and we assume no direct or indirect liability related to the financial services provided by this bank. Early Makers Group cannot be considered as a banking intermediary.


Credit terms, including interest rates, fees and repayment terms, are determined exclusively by Société Générale. We strongly encourage you to carefully examine the terms of the proposed credit and to directly consult the identified Société Générale contacts for any clarification or additional information.


Early Makers Group declines all responsibility for any loss, damage or inconvenience resulting from taking out a loan with a bank financing organization and cannot be held responsible for participants' individual financial decisions. By taking out a loan as part of this partnership, participants acknowledge and accept that our training organization is not a party to the contractual relationship between them and Société Générale.
 



Executive education programs 

These offers are valid for the academic year 2025-2026

LCL
Vincent MUNOZ
Branch Manager
+33 4 72 80 89 47  
Le drapeau français

Jérémie FORESTIER
Personal Banking Advisor
+33v4 72 80 89 47 
jeremie.forestier@lcl.com
Langue française et langue anglaise

Jean Jaurès Agency
4 rue Marie Madeleine Fourcade
69007 Lyon


Interest rates excluding insurance :

  • 1.49% for the International MBA, Executive MBA, Executive MBA online, Executive Master Management Général et Executive Master Management Général online
  • 1.99% for other courses

NB: these offers are likely to change over time


Borrowing with and without a guarantor

  • The file will be submitted to the bank for approval and a deposit may be required depending on the file.
     

International students

  • A guarantor not subject to a residence permit and residing in France for tax purposes is required + study of the guarantor's solvency
     

Online appointment link


Online appointment booking available from the application or the LCL.FR.fr website. Possibility to open an account and request a student loan 100% online and remotely


We would like to inform you that emlyon executive education has established a partnership with LCL in order to offer you advantageous financing solutions. 

However, please note that its role is limited to facilitating access to these financing options, and we assume no direct or indirect liability related to the financial services provided by this bank. Emlyon executive education cannot be considered as a banking intermediary. Credit terms, including interest rates, fees and repayment terms, are determined exclusively by LCL. 

We strongly encourage you to carefully examine the terms of the proposed credit and to directly consult the identified LCL contacts for any clarification or additional information. Emlyon executive education declines all responsibility for any loss, damage or inconvenience resulting from taking out a loan with a bank financing organization, and cannot be held responsible for participants' individual financial decisions. By taking out a loan as part of this partnership, participants acknowledge and accept that our training organization is not a party to the contractual relationship between them and LCL.
 

CIC
Contact 
+33 04 37 23 61 03 
contact-cic-emlyon@cic.fr

Lyon République Agency
8 rue de la République 69001 Lyon

Lyon Bellecour Agency 
25 place Bellecour 69002 Lyon

Lyon Jean Macé Agency
1 place Jean Macé 69007 Lyon

Lyon Gerland Agency
32 Rue Jacques Monod 69007 Lyon


Interest rate excluding insurance: 1,70% (rate valid until May 31, 2025)


Borrowing with and without a guarantor

  • The file will be submitted to the bank for approval and a deposit may be required.


Incentives

  • €80 paid into the account
  • 1 year of personal contract offered
  • 2 months free car and home insurance
  • 2 months of free telephone packages


International students

  • Please,contact the referent of the bank branch to know the conditions for a loan subscription.


We would like to inform you that emlyon executive education has established a partnership with CIC in order to offer you advantageous financing solutions. 

However, please note that its role is limited to facilitating access to these financing options, and we assume no direct or indirect liability related to the financial services provided by this bank. Emlyon executive education cannot be considered as a banking intermediary. Credit terms, including interest rates, fees and repayment terms, are determined exclusively by CIC. 

We strongly encourage you to carefully examine the terms of the proposed credit and to directly consult the identified CIC contacts for any clarification or additional information. Emlyon executive education declines all responsibility for any loss, damage or inconvenience resulting from taking out a loan with a bank financing organization, and cannot be held responsible for participants' individual financial decisions. By taking out a loan as part of this partnership, participants acknowledge and accept that our training organization is not a party to the contractual relationship between them and CIC.
 

Logo BNP PARISBAS
Debhora BARROT
Agency Director
drapeaux - emlyon business school
Jérémy LEVACHER
Agency Director
Langue française et langue anglaise

Lyon Gerland Agency
Debhora BARROT
Place Jean Macé 69007 Lyon

Lyon Part Dieu Agency
Jérémy LEVACHER
150 rue du Docteur Bouchut 69003 Lyon


Finance your Executive MBA program for €431,94 per month*

Finance your Executive Master Management for €334,88 per month*

*Offer valid until June 1, 2025

 

Find out more

 

Borrowing with and without a guarantor

  • The application will be submitted to the bank for approval and a deposit may be required depending on the application. Acertificate indicating the completion of a training course at emlyon will be requested as proof.


"Esprit Libre" Incentives

  • 2 years free on "Esprit Libre" essentials
  • 80€ paid into your bank account when you subscribe to "Esprit Libre"


International students

  • We invite you to contact the referent of the bank branch to know the modalities of loan subscription.

Discover all the advantages of the partnership with emlyon



We would like to inform you that emlyon executive education has established a partnership with BNP Paribas in order to offer you advantageous financing solutions. However, please note that its role is limited to facilitating access to these financing options, and we assume no direct or indirect liability related to the financial services provided by this bank. 

Emlyon executive education cannot be considered as a banking intermediary. Credit terms, including interest rates, fees and repayment terms, are determined exclusively by BNP Paribas. We strongly encourage you to carefully examine the terms of the proposed credit and to directly consult the identified BNP Paribas contacts for any clarification or additional information. 

Emlyon executive education declines all responsibility for any loss, damage or inconvenience resulting from taking out a loan with a bank financing organization, and cannot be held responsible for participants' individual financial decisions. By taking out a loan as part of this partnership, participants acknowledge and accept that our training organization is not a party to the contractual relationship between them and BNP Paribas.
 

BNP Paribas
Bruno SESSI
Agency Director
+33 7 60 61 39 84 
bruno.sessi@bnpparibas.com

23 boulevard Diderot

75012 Paris


Finance your Executive MBA program for €431,94 per month*

Finance your Executive Master Management for €334,88 per month*

*Offer valid until June 1, 2025
 

Find out more

 

Borrowing with and without a guarantor

  • The application will be submitted to the bank for approval and a deposit may be required depending on the application.
  • A certificate indicating the completion of a training course at emlyon business school will be requested as proof.
     

"Esprit Libre" Incentives

  • 2 years free on "Esprit Libre" essentials
  • 80€ paid into your bank account when you subscribe to "Esprit Libre"


International students

  • Please contact the referent of the bank branch to know the conditions for a loan subscription.


Support documents:


Discover all the advantages of the partnership with emlyon



We would like to inform you that emlyon executive education has established a partnership with BNP Paribas in order to offer you advantageous financing solutions. However, please note that its role is limited to facilitating access to these financing options, and we assume no direct or indirect liability related to the financial services provided by this bank. 

Emlyon executive education cannot be considered as a banking intermediary. Credit terms, including interest rates, fees and repayment terms, are determined exclusively by BNP Paribas. We strongly encourage you to carefully examine the terms of the proposed credit and to directly consult the identified BNP Paribas contacts for any clarification or additional information. 

Emlyon executive education declines all responsibility for any loss, damage or inconvenience resulting from taking out a loan with a bank financing organization, and cannot be held responsible for participants' individual financial decisions. By taking out a loan as part of this partnership, participants acknowledge and accept that our training organization is not a party to the contractual relationship between them and BNP Paribas.
 

logo société générale
Vanessa N’GONZIN ZONGA
Client Advisor
+33 1 44 67 58 43 
vanessa.zonga@socgen.com
Langue française et langue anglaise
Vanina BUSSY
Partnership Manager
+33 6 15 34 79 71 
Langue française et langue anglaise

6 rue de Lyon
75012 Paris


Interest rate excluding insurance : for any simulation, please contact the agency
 

Borrowing with and without a guarantor

  • The application will be submitted to the bank for approval and a deposit may be required depending on the application. A certificate of admission to a degree delivering program will be requested.


Incentives

  • Please contact your bank branch representative to find out about the incentives granted.
     

International students

  • Please contact the referent of the bank branch to know what are the conditions for a loan subscription.


We would like to inform you that emlyon executive education has established a partnership with Société Générale in order to offer you advantageous financing solutions. However, please note that its role is limited to facilitating access to these financing options, and we assume no direct or indirect liability related to the financial services provided by this bank. 

Emlyon executive education cannot be considered as a banking intermediary. Credit terms, including interest rates, fees and repayment terms, are determined exclusively by Société Générale. We strongly encourage you to carefully examine the terms of the proposed credit and to directly consult the identified Société Générale contacts for any clarification or additional information. 

Emlyon executive education declines all responsibility for any loss, damage or inconvenience resulting from taking out a loan with a bank financing organization, and cannot be held responsible for participants' individual financial decisions. By taking out a loan as part of this partnership, participants acknowledge and accept that our training organization is not a party to the contractual relationship between them and Société Générale.