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Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
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      ADVERTISING
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      €5,000 Fast Loan

      Apply for a €5,000 loan without having to direct deposit a paycheck.

      Get a €5,000 loan without becoming a BBVA customer

      From 5.50% fixed NIR (5.98% APR) with a paycheck or pension direct deposited at BBVA.

       

      Up to 6.50% fixed NIR (7.03% APR) without a paycheck or pension direct deposited.

      • No need to open an account or direct deposit your paycheck.
      • No commitment fee or collateral.
      • Fast, secure and 100% online.
      Calculate payment

      For new customers! Find out your limit

      Discover the new digital loan experience, which will let you know how much we can loan you at BBVA.
      Find out

      You can improve the interest rate

      • Example of what your loan would be like

        Suppose you want to request a €5,000 loan to renovate your home. You would like to repay the money over eight and a half years (96 months) and have the monthly payment be less than €100.

        This is what your loan would be like:

      Without a paycheck or pension direct deposited
      6.50% fixed NIR (7.03% APR)
      With a paycheck or pension direct deposited
      5.50% fixed NIR (5.98% APR)
      Without a paycheck or pension direct deposited 6.50% fixed NIR (7.03% APR)
      Loan amount
      €5,000
      With a paycheck or pension direct deposited 5.50% fixed NIR (5.98% APR)
      Loan amount
      €5,000
      Without a paycheck or pension direct deposited 6.50% fixed NIR (7.03% APR)
      Term
      96 monthly payments
      With a paycheck or pension direct deposited 5.50% fixed NIR (5.98% APR)
      Term
      96 monthly payments
      Without a paycheck or pension direct deposited 6.50% fixed NIR (7.03% APR)
      Monthly payment €66.93
      With a paycheck or pension direct deposited 5.50% fixed NIR (5.98% APR)
      Monthly payment
      €64.50
      Without a paycheck or pension direct deposited 6.50% fixed NIR (7.03% APR)
      Commitment fee
      0%
      With a paycheck or pension direct deposited 5.50% fixed NIR (5.98% APR)
      Commitment fee
      0%
      Without a paycheck or pension direct deposited 6.50% fixed NIR (7.03% APR)
      Total amount owed
      €6,500.27
      With a paycheck or pension direct deposited 5.50% fixed NIR (5.98% APR)
      Total amount owed
      €6,266.46

      When calculating the APR, €0.78 per month was applied for the monthly mailing of informational loan statements. This expense will only apply to customers who request the statement by postal mail. Does not apply to customers who receive their statement via digital channels.

      Calculations based on loan being signed on the last day of the month.

      Total or partial early repayment fee on the unpaid amount: 0.50% if the outstanding payment period does not exceed 12 months, and 1% otherwise.

      How can I request €5,000 with no documents?

      • Connect to your main bank

        When you request your loan, you will be able to connect to your main bank without leaving the BBVA website, using your own login password. This will allow us to view, quickly and securely, the financial details we need to determine if your loan is viable.

         

        And we will get back to you within 8 hours
        If your loan is approved, we will ask you to identify yourself to sign the contract online. And that’s it! You will receive the money in your account within 48 hours.

      How can I request €5,000 with documents?

      • If you prefer, you can provide the following documents

        When you apply for the loan, you will have to provide:

        • A photo of both sides of your DNI or TIE.
        • Working life.
        • Last two paychecks.
        • Account activity for the last 6 months.
        • Proof of loans you have in other banks.

        If you do not have the documents at hand, you can email them within 7 days of your application.

         

        And we will get back to you within 48 hours
        We will need a few hours to analyze your documents and study your application. If your loan is approved, we will ask you to identify yourself to sign the contract online. And that’s it! You will receive the money in your account within 48 hours.

      Do you belong to a group?

      Enter the name of your company or mutual society in the calculator and see what exclusive conditions are available on the interest rate of your personal loan or credit for belonging to this group. 
      Illustration of several professional groups: police, doctor, civil servant.

      Apply for your €5,000 loan

      Easily, securely and 100% online

      Request €5,000

      Offer valid for online loans for new customers for up to €20,000 with a single borrower. The product is not available at BBVA branches.

      Financing subject to approval from Banco Bilbao Vizcaya Argentaria, S.A.

      Would you like more information?

      The €5,000 Fast Online Loan has no commitment fee.

      If you decide to repay some or all of your loan before the end of the period specified in the application, you will have to pay an early repayment fee of:

      • 0.50% of the amount you have left to pay if there are less than 12 months left.
      • 1% of the amount you have left to pay if there are less than 12 months left.

      No. Fast Loans are intended for people who do not currently have an account with BBVA.

      Once you sign, we'll deposit your money within 48 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.

      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.

      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.

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

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

      The installments of the loans and quick loans will be charged to the bank of your choice on the last day of each month.

      The €5,000 BBVA Fast Loan can only have one borrower.

      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 quick loans.

      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.

      Yes, BBVA could deny your loan. Please note that the application does not imply approval by the bank. Once you complete your application, the bank will determine whether your proposal is viable.

      • 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.

      You might also be interested in

      • Woman making purchases thanks to her quick loan

        For non-customers

        Online Fast Loan Without Documents

        • NO need to open an account or direct deposit your paycheck. 
        • From €3,000 to €20,000 for non-customers and NO need to provide documents.
        More information
        I want it

      Be a BBVA customer.

      • At BBVA we want to help you with your day-to-day errands.
      • We are working to make your life a little easier with our digital solutions.
      • Our approach is based on transparency, clarity and responsibility.
      Applying for a loan does not imply its approval by BBVA, nor does it mean it will be granted. BBVA may deny the loan once the circumstances specific to each case have been studied.
      Offer valid during current month
      1. Loans
      2. €5,000 loan
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