Since 6 September 2026, BIAT has been offering financing solutions for the 2026 school year. Customers can spread their payments over 6 to 36 months with the Credimedia loan or the BIAT FLEXY and TEMPO cards.
How does it work in practice?
There are three options. The Credimedia loan lets you borrow a sum to cover back-to-school expenses. The BIAT FLEXY and TEMPO cards let you spread your payments directly with retailers.
The repayment period is flexible: 6 to 36 months, depending on your situation. A handy way to smooth out the cost of books, supplies or a laptop for your final year.
Discounts through the app
Another perk: the BIAT Privilèges app gives access to discounts at partner retailers. You'll find bookshops, clothing brands and gyms. Useful for bringing down the overall back-to-school bill.
How to apply?
If you're a customer (or your parents are), there are two options. First: go through your adviser at the branch. Second: call the BIAT Customer Relations Centre on 31.31.18.18.
And you, final-year student?
These solutions are aimed at families, but they concern you directly: a computer, bac preparation books, an internet connection. If your parents are BIAT customers, they can compare the cost of the loan depending on the chosen period before committing.
As for the rest, keep your eye on what matters. The Tunisian bac calendar follows its usual rhythm, with the main session in June and a resit session in July for those who don't reach the pass mark. You can use our archive of past papers and corrections to practise, estimate your average with the bac average calculator, then fine-tune your choices with the university orientation simulator.
Full details of the offers (rates, conditions, limits) are not given in the announcement: the best option is to ask directly at a branch or at the number above.