BBVA Personal Online Loan . BBVA Coche Online Loan . BBVA Coche Ecológico Loan . All Loans .

What conditions do I have to satisfy?

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.

Do I have to pay more if I pay it back early?

No, this loan has no early repayment fee.

Is the commitment fee subtracted from the amount I ask for?

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

Is there a minimum repayment period?

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

Is there a minimum amount?

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

What will happen if I miss a payment?

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.

What happens if I apply and change my mind?

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

What is the deadline for applying?

Conditions valid until 12/31/2022. Account subject to approval by BBVA.

What if I need more information before applying for the loan?

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

Get paid anytime BBVA

Up to 2 paychecks and a maximum of €3,000.
You have up to 6 months to pay it back.
No commitment fee.
5% NIR / APR from 5.58% to 6.73% depending on the amount and period requested.

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:

Suppose you receive an advance on your salary of €3,000, which you plan to pay back in 3 months.

You would pay €1,008.34 a month for the next 3 months (and €0.75/month in postage). In total, you would pay €3,027.28.

In this example, the commitment fee is 0%, the NIR is 5% and the APR is 5.58% (the APR is calculated taking into account postage expenses: €0.75 per month). Calculations based on the loan being signed on the last day of the month.

Suppose you receive an advance on your salary of €1,000, which you plan to pay back in 6 months.

You would pay €169.11 a month for the next 6 months (and €0.75/month in postage). In total, you would pay €1,019.14.

In this example, the commitment fee is 0%, the NIR is 5% and the APR is 6.73% (the APR is calculated taking into account postage expenses: €0.75 per month). Calculations based on the loan being signed 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.

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