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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.

    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. 

    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.

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    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.