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
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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      Get paid anytime BBVA

      Get your paycheck before it's deposited.

      Pay no interest, only a €20 commitment fee.
      • Up to 2 paychecks and a maximum of €3,000.
      • You have up to 6 months to pay it back.
      • 0% NIR / APR from 2.85% to 14.45% depending on the amount and period requested.
      Apply

      A couple of examples will make it clear

      • Here are several examples of what it would be like if you receive your paycheck in advance:

        • Let's suppose you receive a paycheck of €1,000 in advance and that you are going to pay it back in 3 months.

        You would pay €333.33 a month for the next 3 months, plus a one-time payment of €20 (and €0.75/month in postage). In total, you would pay €1,022.25.

        In this example, the NIR is 0% and the APR is 2.85% (the APR was calculated taking into account postage expenses: €0.75 per month). Calculations based on the loan being formalized on the last day of the month.

        • Let's suppose you receive a paycheck of €3,000 in advance and that you are going to pay it back in 6 months.

        You would pay €500 a month for the next 6 months plus a one-time payment of €20 (and €0.75/month in postage). In total, you would pay €3,024.50.

        In this example, the NIR is 0% and the APR is 14.45% (the APR was calculated taking into account postage expenses: €0.75 per month). Calculations based on the loan being formalized on the last day of the month.

      This is how it works

        • To apply for the BBVA Get paid anytime loan, you must be a BBVA customer and have your paycheck or pension paid directly into your BBVA account.
        • You can receive an advance from €1,000 until 2 paychecks with a maximum of €3,000.
        • Pay it back over 3 to 6 months.

      Request the Cobra Cuando Quieras loan

      Apply

      Would you like more information?

      Have a BBVA account with your paycheck or pension directly debited to it and receive BBVA's approval. Before signing the contract, you will receive key information in a standardized format called the Standard European Consumer Credit Information.

      No, this loan has no early repayment fee.

      We give you the amount of a paycheck, the €20 fee is charged separately.

      Yes, the minimum period you can choose is 3 months.

      Yes, the minimum amount you can choose is €1,000.

      You would be charged interest on arrears. Not making payments on time could have adverse consequences, such as forced sales or problems getting loans. Use the loan responsibly so you can make the payments and avoid potential surcharges by way of fees or interest.

      You have the right to a cooling-off period of 14 calendar days from when the loan agreement is executed, at no extra cost.

      Conditions valid until 05/31/2022. Account subject to approval by BBVA.

      You can contact our advisers to resolve any doubts you may have. If you need more information, you can consult this generic document with pre-contractual content and an example: 

      Download document as a PDF

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      • All Loans.

      Be a BBVA customer.

      • At BBVA, we want to help you manage your day-to-day activities.
      • We are working to make your life a little easier with our digital solutions.
      • Our approach is based on transparency, clarity and responsibility.
      Collect Your Paycheck When You Want
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