Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
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Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
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      Woman on the phone to request a salary loan

      BBVA Paycheck Advance Loan

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

      • Up to 2 paychecks and a maximum of €3,000.
      • You have up to 6 months to pay it back.
      • 0% NIR / APR from 2.85% to 14.45% depending on the amount and period requested.
      Apply

      Do you need more than €3,000?

      See the advantages of our Personal Online Loan.
      More information

      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:

        • Let's suppose you receive a paycheck of €1,000 in advance and that you are going to pay it back in 3 months.

        You would pay €333.33 a month for the next 3 months, plus a one-time payment of €20 (and €0.75/month in postage). In total, you would pay €1,022.25.

        In this example, the NIR is 0% and the APR is 2.85% (the APR was calculated taking into account postage expenses: €0.75 per month). Calculations based on the loan being formalized on the last day of the month.

        • Let's suppose you receive a paycheck of €3,000 in advance and that you are going to pay it back in 6 months.

        You would pay €500 a month for the next 6 months plus a one-time payment of €20 (and €0.75/month in postage). In total, you would pay €3,024.50.

        In this example, the NIR is 0% and the APR is 14.45% (the APR was calculated taking into account postage expenses: €0.75 per month). Calculations based on the loan being formalized on the last day of the month.

      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 €1,000 until 2 paychecks with a maximum of €3,000. 
        • Pay it back over 3 to 6 months.

      Apply for the BBVA Nómina Loan

      Apply

      Would you like more information?

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

      Terms and conditions valid until 07/31/2022. Loan subject to approval by Banco Bilbao Vizcaya Argentaria, S.A.

      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 €1,000 up to a maximum of €3,000 or the equivalent of the sum of 2 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 figure lets you compare different loans since the lower the APR, the cheaper the loan.

      You might also be interested in

      • BBVA Después Card

        • Credit card, you pay the following month or in installments.
        • Set your own credit limits.
        • Robbery insurance.
        More information Apply
      • Family in the kitchen checking their instant loan on the computer

        Personal Online Loan

        Turn your projects into reality Request up to €75,000 in less than 3 minutes.
        More information Start calculation
      • 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

      Be a BBVA customer.

      • At BBVA, we want to help you manage your day-to-day activities.
      • We are working to make your life a little easier with our digital solutions.
      • Our approach is based on transparency, clarity and responsibility.
      Paycheck Advance Loan
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