1. Calculate your repayments

 Select the amount you need in our simulator (from €3,000 to €20,000), the amount that best suits your needs and the period over which you wish to repay the loan (from 24 to 96 payments)

2. Choose the application WITHOUT documents

Fill in your personal details and we will connect online with the bank where you have your paycheck or pension direct deposited, using your own login password. During this connection, we will check your financial information for the sole purpose of evaluating your loan application. Your details are protected at all times

3. Get an answer and enjoy your loan

You will be able to check the status of your application at any time by downloading the BBVA app. In approximately 8 working hours, we will also send you an email informing you if your loan has been approved, in which case you will only have to sign the contract on the BBVA app to receive your money:

• Approximately 72 hours after signing, if you chose to direct deposit your loan into an account outside BBVA.
• Or instantly, if you chose to direct deposit your loan with BBVA. To do this, we will open a fee-free Online Account at signing.

1. Calculate your payment: Select the amount you need in our simulator (from €3,000 to €20,000), the amount that best suits your needs and the period over which you wish to repay the loan (from 24 to 96 payments).

2. Choose the application WITH documents: Enter your details (personal, contact and professional), attach a copy of your ID card and specify the account where the money will be deposited if it is approved: you can request to open an account in BBVA or receive the money in your account in another bank.

Next, attach the following documentation during the process or email it to us so we can evaluate the application.

Copy of your pay stub:

• Copy of your pay stub or proof of income
• Copy of your Working Life document.
• A document specifying the number of the account where you would receive the money and showing the name (which must match that of the loan applicant).  if you opted to direct deposit the loan into an account in another bank.

In the case of transactions for more than 10,000 euros, additional documentation will be requested.

3. Receive a response: 

• Within approximately 48 hours, your documentation will be validated and if the loan is finally approved, we will need you to confirm your identity and sign the contract, as per the instructions we will email you. The whole process is online and can be done directly on your computer or smartphone. 

Once you sign the contract, the money will be deposited into the account of your choice.

4. Enjoy your loan: 

• Approximately 72 hours after signing, if you chose to direct deposit your loan into an account outside BBVA.
• Or instantly, if you chose to direct deposit your loan with BBVA. To do this, we will open a fee-free Online Account at signing.