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      ADVERTISING
      MM/DD/YYYY

      BBVA Paycheck Advance Loan

      Get an advance on your salary and pay for unexpected expenses.

      • Interest rate 0% NIR5.83% APR with your paycheck direct deposited at BBVA.
      • Term up to 6 months.
      • Advance of up to €3,000.
      Apply

      Do you need more than €3,000?

      See the advantages of our Personal Online Loan.
      More information

      How do I open one?

      • Applying for the BBVA Salary Advance Loan is that easy:

        1. Click on "Apply."
        2. Choose the amount of the loan and the number of account holders.
        3. Fill in your personal and financial details.
        4. If everything is correct and at BBVA we approve the Salary Advance Loan, all you will have to do is sign it.
        5. And 24 business hours after signing, you will receive the money in your account.

        Remember that you have the right to withdraw from the loan contract without incurring a cancellation fee for a period of 14 calendar days from the date you sign. We will refund the commitment fee to you, and you will only have to pay for the interest generated during those days.

      This is how it works

        • To apply for the BBVA Salary Advance Loan, you need to be a BBVA customer and have your salary or pension paid into your account.
        • You can receive an advance from €600 until 3 paychecks with a maximum of €3,000. You will just have to pay a commitment fee of 1.5% of the requested amount.
        • Pay it back over 3 to 6 months.

        Loan example

      Apply for the BBVA Nómina Loan

      Apply

      Would you like more information?

      Terms and conditions valid until 04/30/2021. Loan subject to approval by Banco Bilbao Vizcaya Argentaria, S.A.

      Yes, to be eligible for this loan, you must have an account in BBVA with your paycheck paid directly into this account.

      Yes, the BBVA Paycheck Advance Loan has a commitment fee of 1.5% on the borrowed amount.

      • You can cancel all or part of the Salary Advance Loan before the end of the term.
      • EYou can request your salary advance through our online form or at a BBVA branch.
      • The partial or total cancellation fee is 0.50% of the capital to repay.
      • If you pay back some of the loan early you can then choose to:
        • Shorten the term of the loan but keep the installment amounts the same.
        • Keep the term the same but reduce the amount of the remaining installments.

      In the event of a delay in the monthly repayment, the corresponding late payment fees will be applied. Non-payment may cause serious consequences (such as foreclosure) and affect your credit score.

      BBVA recommends responsible use of the loan in order to be able to pay the monthly instalments and avoid surcharges in fees or interest.

      The payments will be made from your BBVA account on the last day of each month.

      From a minimum of €600 up to a maximum of €3,000 or the equivalent of the sum of 3 paychecks. If you need a smaller amount, you can apply for one of our credit cards.

      You can choose a term from minimum of 3 months to a maximum of 6 months.

      Before signing the contract, you will receive the European standardized information on consumer credit. To grant loans based on prudential and responsible criteria, the bank may request the involvement of a notary public.

      NIR (Nominal Interest rate) is what you pay to a bank in exchange for receiving a loan. NIR is usually less than APR and is not useful to compare the price of different loans, since it includes the interest rate only and not the transaction costs.

      The APR (Annual Percentage Rate) provides the cost of a financial product, such as loans, and includes both the interest and the various costs and fees associated with it. This information lets you compare different loans because the lower the APR, the cheaper the loan.

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        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
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      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.
      Paycheck Advance Loan
      Apply
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