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        Send and receive money from your phone instantly. As easy as sending a message.

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      MM/DD/YYYY

      Get paid anytime BBVA

      Get your paycheck before it's deposited.

      Pay no interest, only a €20 commitment fee.
      • You have up to 6 months to pay it back.
      • A paycheck of up to €5,000.
      • 0% NIR/5.26% APR with your paycheck deposited directly into BBVA.
      Apply

      This example will make it clear

      • On January 23rd, 2021, your fridge breaks down and you don't want to wait until the beginning of the month to replace it. You advance your paycheck, let's suppose it's €1,500, and you'll pay it back in 6 months.

        You would pay €250 a month for the next 6 months plus a one-time payment of €20 (and €0.70/month in postage). In total, you would pay €1,524.20.

        In this example, the NIR is 0% and the APR is 5.26% (the APR was calculated taking into account postage expenses: €0.70 monthly).

      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 one month.

      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 02/28/2021. 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

      Other products that might be of interest to you

      • Personal Online Loan

        Turn your projects into reality Request up to €75,000 in less than 3 minutes.
        More information Apply
      • Coche Online Loan

        If you want to change cars, BBVA makes it easy. Apply for up to €75,000 in less than 3 minutes, and a term of up to 8 years.
        More information Apply
      • Bank Moving Service

        A free and simple way to transfer your income and your bills, or your entire account from another bank, because BBVA takes care of everything
        More information

      Discover our loans

      • BBVA Personal Online Loan.
      • BBVA Coche Online Loan.
      • BBVA Coche Ecológico Loan.
      • BBVA Financing of Large Bills.
      • Higher Education Loan at two years.
      • All Loans.

      Be a BBVA customer.

      • We are leaders in digital innovation working to make your life that bit easier.
      • Our approach is based on transparency, clarity and responsibility.

      Discover BBVA Bconomy

      A tool that helps you maintain your financial health

      Manage your expenses, create a financial cushion for your peace of mind, and set a savings goal.
      More information
      Collect Your Paycheck When You Want
      Apply
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      2. Get paid anytime

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