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.
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This example will make it clear
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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).
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