What payment options do you have?
Our mission is to 1️⃣ Find the right training for you—even if you’re not sure what that is yet! 🎯 and 2️⃣ Give you (or your employer) every possible way to pay so nothing stands between you and your next big move. To make it simple to understand, we've split our payment options in to three categories. Full details are laid out below, but as a quick overview...
- 💳 Payment up front - simple, instant payment of the full amount by card
- 💸 🔁 Payment by instalments - if you are working, chose to pay directly in 3 or 12 months at 0% interest; and if you're not currently working, you can start repaying when you finish your course
- 👷 👨🏫👩💻 Support from your employer - using your company’s Learning & Development funds to cover tuition, accessing free government funded tuition in Spain, or by paying from your pre-tax salary so that you can reduce your tax bill.
1. Pay Up Front 💳
| Payment Options | Key benefits ✅ | How it works🛠 |
|---|---|---|
| 💳 Pay Upfront (Credit/Debit Card) | Available to all learners globally 🌍 | 1️⃣ Choose "Pay Now" 2️⃣ Enter your card details 💳 3️⃣ Your enrolment is confirmed once the payment clears (usually a few days) |
2. Pay By Instalments 💸 🔁
| Payment Options | Key benefits ✅ | How it works🛠 |
|---|---|---|
| 📆 Fixpay (0% Interest Instalments) | 🔄 Spread payments over 12 months at 0% interest ⏸ Pause payments for 3 months If you lose your job |
1️⃣ Must have €22K+ income + be taking a part-time course 🎓 2️⃣ Must be a permanent resident in Spain 🇪🇸 3️⃣ Apply in 5 minutes 🕐, and have your Photo ID, proof of address, and last month’s payslip ready 📲 🎫 4️⃣ Get a fast scoring decision ✅ 5️⃣ First payment 💰due upon approval |
| 🛍 Klarna (0% Interest x 3 Instalments) | 🔄 Split your payment into 3 interest-free instalments 💸 Great for lower-priced courses |
1️⃣ Select Klarna at checkout 💳 2️⃣ Quick credit check & instant decision ⚡ 3️⃣ First payment due immediately 💰 4️⃣ Available in multiple European countries, including 🇫🇷 🇩🇪 🇵🇹 🇮🇹 🇬🇧 |
| 🤝 Income Share Agreement (ISA) | 💸 Pay nothing upfront – just €10/month from signing until repayments begin (always credited back to your balance!) 📅 Your payments kick in 60 days after you finish your course 📊 Pay based on fixed % of your income – if you earn less, you pay less ⏸ Earning below the minimum income threshold? You can pause repayments anytime |
1️⃣ Apply in 5 minutes ⏳ 2️⃣ Must be a permanent resident in Spain 🇪🇸 3️⃣ Must provide Photo ID, proof of address, and latest bank statement 🎫 4️⃣ Get a fast scoring decision ✅ 5️⃣ Set up your direct debit & connect to Bankflip.io 🔗 so we can adjust your repayments 📊 and setup your €10 monthly admin charge 6️⃣ We pay 💯of your course fee direct to your course provider 🎓 |
3. Pay With Employer Support 👷 👨🏫👩💻 👨⚕️👩🏫
| Payment Options | Key benefits ✅ | How it works🛠 |
|---|---|---|
| 🏢 Fundae (Employer Pays with Government Reimbursement) | ❌💰 Free for you + your employer: the company covers the tuition + we help them reclaims it from the government | 1️⃣ Request Fundae funding at checkout ✍️ 2️⃣ Provide contact details of HR or your manager 📩 3️⃣ We contact your employer & handle approval ✅ 4️⃣ Once approved, we manage the payment 💸 directly with the education provider 🎓 5️⃣ We keep your employer updated & submit paperwork for reimbursement 💡Tip: It helps if you let your employer know to expect our request! |
| 🏫 Employer L&D Budget | 📚Use your company’s Learning & Development funds to cover tuition |
1️⃣ Request to use employer training budget at checkout 🏢 2️⃣ Provide details of the person who approves training 📩 3️⃣ We confirm their approval ✅ 4️⃣ Your employer pays tuition and we handle everything with the with the provider 🎓 💡 Tip: It’s worth mentioning this to your employer beforehand - it could speed things up! |
| 💰 Pre-Tax Salary Deduction (Retribución Flexible) | Pay from your gross salary and reduce your taxes 🏦 Makes your course cheaper 📉 🎉. |
1️⃣ Available for permanent residents in Spain 🇪🇸 2️⃣ Request Pre-Tax Payment at checkout ✍️ 3️⃣ We confirm eligibility with your employer ✅ 4️⃣ Your Employer pays tuition directly & deducts it from your pre-tax salary 📑 5️⃣ We manage the payment to your education provider 🎓 6️⃣ You lower your tax bill and learn new skills 🎉📉 |
| 💰+📆 Pre-Tax Salary Deduction x 12 instalments (Retribucion Flexible) | Get the tax benefits 📉 of Retribución Flexible, while spreading payments over 12 months of pre tax salary deductions | 1️⃣ Apply in 5 minutes ⏳ 2️⃣ Available for permanent residents in Spain 🇪🇸 3️⃣ Request Pre-Tax Payment at checkout ✍️ 4️⃣ We confirm eligibility with your employer ✅ 5️⃣ Must submit Photo ID, proof of address, and last month’s payslip so we can approve 12 instalments 📆 6️⃣ We pay the tuition direct to your education provider 🎓 7️⃣ Your employer deducts pre tax payments x 12 and repays to us directly 🎱 You lower your tax bill and learn new skills 🎉 |