Personal loans for more than €3,000

The BBVA personal loan application process is simple:

• Fill out the application form.
• Send the requested documentation.
• If everything checks out, the money will be deposited into your account. 

For the BBVA Fast Online Loan, the process is quick and easy:

• Calculate your monthly payment.
• Select how to apply: WITH or WITHOUT documents.
• Receive a response and start using your Fast Online Credit (in approximately 8 business hours in your selected account).

Depending on the bank, there may be a greater or lesser number of documents required. Typically, you will be required to provide the following:

• National ID (DNI) or Foreigner ID (NIE).
• The current account number into which the money is to be paid.
• Photocopies of several payslips and/or any other regular income received. 

If the loan applicant is self-employed, you may also be required to provide a photocopy of the self-employment registration document, the most recent annual VAT statement, and the most recent quarterly Income Tax payment slips.

There are two interest rates that apply to your personal loan: 

NIR (Nominal Interest Rate) is what you pay a bank in exchange for receiving a loan. The APR (Annual Percentage Rate) indicates the cost of a financial product and includes both the interest rate and the various associated expenses and fees.