Do I have to be a BBVA customer to apply for this fast, paperless loan?

No. The Fast Loan Without Documents is intended for people who do not currently have an account with BBVA.

How long will it take to receive the money in my account?

Once you sign, we'll deposit your money within 72 hours into the checking account you specify. If, however, you need the money urgently, you will receive it instantly if you decide to open a Fee-Free Online Account at BBVA.

Is it safe to connect with my other bank?

If you choose the option to not send documentation, we will securely and anonymously connect with your other bank. To do this, you will enter your own login password, which will only be used to make this connection and determine if your loan is feasible. Once your loan is approved (or in 30 days if it is not), the details will be deleted.

Can I pay back an Online Loan in installments early?

If you decide to repay all or part of your loan before the end of the term indicated in the application, you will have to pay an early payment fee of 0.50% of the remaining principal if fewer than 12 months remain to pay off the loan, or 1% if more than 12 months remain.

How can I check the status of my application?

We will inform you promptly via email or, if you prefer, you will be able to check the status of your application by going into your private area (whether in the BBVA app or at bbva.es) with the username and password you chose during the application process.

What account should I open to direct debit my loan at BBVA?

You will open a fee-free online account with a Débito Ahora card, also with no fee.

How much money can I request with this fast loan?

Cash loans range from a minimum of €3,000 to a maximum of €20,000. If you need a smaller amount, request one of our credit cards.

How do I make the payments?

The payments will be charged to the bank of your choice on the last day of each month.

How many recipients can it have?

The BBVA Fast Loan Without Documents can only have 1 borrower.

What if I miss a payment?

If this happens, you will be charged late payment interest. In addition, failure to make payments can lead to serious financial consequences (e.g., forced sale of assets) and difficulty obtaining other loans. BBVA recommends responsible financing.

What is meant by NIR and APR?

NIR (Nominal Interest rate) is what you pay to a bank in exchange for receiving a loan. NIR is usually less than APR and can't be used to compare the cost of different loans, since it only considers the interest rate and not all the costs of the transaction. APR (Annual Percentage Rate) indicates the cost of a financial product such as a loan, including interest and the various associated expenses and fees. This figure lets you compare different loans since the lower the APR, the cheaper the loan.

Do I need to know anything else?

Depending on the amount you request, and using prudential and responsible loan criteria, we may request the involvement of a public notary. Before signing the contract, we will send you the pre-contractual loan information (European Standardized Information Sheet, ESIS). If your loan is approved, after signing it you will have 14 calendar days to cancel the contract at no additional cost. The granting of a BBVA Fast Paperless Loan is subject to approval by BBVA.

Fast Online Loan Without Documents

You are very close to making your projects a reality

You were in the process of adding your banks. For your information, the Aggregation Service is a very secure and simple process. But if you have any questions, we'll tell you step-by-step how to use it.

Continue Application

Shall we continue? Connect to your bank

In order to do a full study, we need you to connect to the bank where your paycheck or pension is direct deposited and where you have been a customer for at least 12 months.

Step 1

To connect to your other bank, you have to enter your login password.
Step 2

We will open a new window to connect with your bank. In compliance with Payment Service Directive 2 (PSD2), you may be asked for an additional security code.

Select the account with which you would like to connect.
Step 3

To guarantee the security of this request, your bank may ask an additional security question.

We will guarantee your security and privacy throughout the process

We will connect to your other bank securely.
You will access each bank using your own login passwords.
Your details will only be used to consider your loan application.

Would you prefer to continue your application without going through the Aggregation Service?

Con Documentos

We will ask you for details related to your income and expenses.
You must have your ID and the IBAN of your other bank ready.<br>
Finally, you must provide a copy or photo of the following documents within 7 days: Tax ID, last paycheck, employment record and proof of account.

Continue with your process

Don't miss out on your loan

Your loan is still waiting for you. No need to open an account or direct deposit your paycheck. The process is 100% online.
From €3,000 to €20,000 and one account holder.
You will have the money in the account of your choice in 8 business hours.

Any questions?

Or if you prefer, you can call us on 919 199 430.

Would you like more information?

The Fast Paperless Online Loan has no commitment fee.

If you decide to cancel all or part of your loan before the end of the term indicated in the application, you will have to pay a cancellation fee of 0.50% of the unpaid principal if fewer than 12 months remain to pay off the loan, or 1% if more than 12 months remain.