Manuel Ravier, student housing expert · Published on September 14, 2026

Action Logement’s "Avance Loca-Pass" is a 0% interest loan. It offers up to €1,200 to cover your security deposit. This scheme targets young people under 30 and employees. It is repaid in small monthly installments—starting at €20/month—with no application fees.

Key takeaways

• Maximum amount granted: up to €1,200 to cover the security deposit required by the landlord. Source: Action Logement, 2026.
• Financial terms: loan with no application fees and no interest. Source: Service-Public.fr, 2026.
• Repayment period: up to 25 months, with a fixed minimum monthly payment of €20. Source: Service-Public.fr, 2026.
• In-house track record: 2,400 young people received assistance at our partner locations in 2026. This aid enabled 92% of them to move in without dipping into their savings. Source: internal data from ResidenceEtudiante.fr, recorded August 15, 2026.

About the author

Manuel Ravier is a real estate investment expert with a proven track record in the field. He also assists students and investors in the student housing sector, both in France and abroad.

What is the Avance Loca-Pass and what is it for?

The Avance Loca-Pass is a no-cost loan provided by Action Logement. It covers the security deposit required when signing a lease agreement. It eliminates the need to pay upfront an amount equivalent to one month's rent (excluding service charges).

This initial payment remains a major financial hurdle at the start of the academic year. A €500 studio requires a €500 security deposit. This amount is in addition to the first month's rent and agency fees. Such a combination of expenses places a heavy burden on a tight budget. According to cost indices published by MeilleursAgents.com, the upfront cost of moving into a rental property often exceeds €1,500 a figure that combines this specific expense with the first month's rent.

Action Logement created this scheme to alleviate that financial strain. The concept is simple: the organization pays the money directly to the landlord on the tenant's behalf. The tenant then repays the organization over an extended period, interest-free. This mechanism turns an immediate lump-sum expense into a manageable monthly commitment, meaning the tenant never has to pay the full amount out of pocket upfront.

High school graduate? Welcome to student life