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Download the BBVA app
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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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      ADVERTISING
      MM/DD/YYYY
      Woman sitting in the seat of her new car after receiving an online car loan

      BBVA Coche Online Loan for customers

      If you want to finance your car, BBVA makes it easy

      In just 3 minutes, you can request the amount of money you need to finance your car.
      Apply for this loan

      Up to €75,000

      Apply in less than 3 minutes

      For vehicles less than 3 years old:

      From 6.45% NIR / 6.81% APR with a paycheck or pension direct deposited at BBVA

      To 7.45% NIR / 7.87% APR with a paycheck or pension not direct deposited at BBVA

      Up to 8 years to repay

      NO commitment fee

      For vehicles over 3 years old:

      From 7.70% NIR / 8.14% APR with a paycheck or pension direct deposited at BBVA

      To 8.70% NIR / 9.22% APR with a paycheck or pension not direct deposited with BBVA

      This example will make it clearer

      • Here are several examples of financing a €10,000 car and how much it would cost.

        To be eligible for a discount in the interest rate of the Coche Online Loan, you only need to meet one of these conditions:

        • Paycheck of at least €600.
        • A pension that is equal to or greater than €300. 

      Example of financing a vehicle less than 3 years old

      With a salary or pension paid into your account Without direct payment of salary or pension
      With a salary or pension paid into your account
      Interest rate
      6.45% NIR / 6.81% APR
      Without direct payment of salary or pension
      Interest rate
      7.45% NIR / 7.87% APR
      With a salary or pension paid into your account
      Loan amount
      €10,000
      Without direct payment of salary or pension
      Loan amount
      €10,000
      With a salary or pension paid into your account
      Term
      8 years (96 months)
      Without direct payment of salary or pension
      Term
      8 years (96 months)
      With a salary or pension paid into your account
      Constant monthly payment
      €133.62
      Without direct payment of salary or pension
      Constant monthly payment
      €138.59
      With a salary or pension paid into your account
      Commitment fee
      €0
      Without direct payment of salary or pension
      Commitment fee
      €0
      With a salary or pension paid into your account
      Total amount owed
      €12,901.96
      Without direct payment of salary or pension
      Total amount owed
      €13,379.18

      The APR was calculated taking into account postage expenses: €0.78 monthly.

      Calculations based on loan being signed on the last day of the month.

      Example of financing a vehicle more than 3 years old

      With a salary or pension paid into your account Without direct payment of salary or pension
      With a salary or pension paid into your account
      Interest rate
      7.70% NIR / 8.14% APR
      Without direct payment of salary or pension
      Interest rate
      8.70% NIR / 9.22% APR
      With a salary or pension paid into your account
      Loan amount
      €10,000
      Without direct payment of salary or pension
      Loan amount
      €10,000
      With a salary or pension paid into your account
      Term
      8 years (96 months)
      Without direct payment of salary or pension
      Term
      8 years (96 months)
      With a salary or pension paid into your account
      Constant monthly payment
      €139.85
      Without direct payment of salary or pension
      Constant monthly payment
      €144.95
      With a salary or pension paid into your account
      Commitment fee
      €0
      Without direct payment of salary or pension
      Commitment fee
      €0
      With a salary or pension paid into your account
      Total amount owed
      €13,500.04
      Without direct payment of salary or pension
      Total amount owed
      €13,990.13

      The APR was calculated taking into account postage expenses: €0.78 monthly.

      Calculations based on loan being signed on the last day of the month.

      You can improve the interest rate

      • To be eligible for a discount in the interest rate of the Coche Online Loan, you only need to meet one of these conditions:

        • Direct deposit at BBVA of your paycheck of a net monthly amount of at least €600.
        • Direct deposit of your pension of a net monthly amount of at least €300.

      Do you want to finance your car?

      • Financing your BBVA Coche Online is that simple:

        1. Fill out the application form. 
        2. Send us the documentation we request. 
        3. And if it's all correct, we'll deposit the money into your BBVA account. 

        You have the right to withdraw from the online car loan without incurring a cancellation fee for 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.

        For example: if you apply for a €10,000 car loan with an NIR of 7.20% over 8 years and decide to cancel it within 14 calendar days, you will have to pay €1.97 for each day that has elapsed.

        Check the process in detail

      You have 14 days to change your mind

      Remember that you have the right to withdraw from the online car loan without incurring a cancellation fee for 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.

      How much money can I request to finance a car?

      • From a minimum of €3,000 up to a maximum of €75,000. If you need a smaller amount, you can request one of our credit cards.

      How long do I have to pay it off?

      • You can choose from a minimum period of 2 years up to a maximum period of 8 years, depending on the amount requested.

      What are the fees?

      • This loan has no commitment fee.

        Plus, you can repay it early. If you decide to cancel a part or all of your pre-approved loan before the term indicated in the application, you will be required to pay a 0.5% cancellation fee (of the amount to be canceled) if less than 12 months remain to pay off the loan, and 1% if more than 12 months are left.

      Do you belong to a professional collective? Enjoy special conditions

      • Enter the name of your company or mutual society in the calculator.
      • Enjoy special terms for belonging to your professional collective.

      Take out a BBVA Coche Online Loan

      Apply for this loan

      Would you like more information?

      Yes, to get this car loan you must have a BBVA account, which is where the money will be deposited and the installments will be charged. If you are not already a client, you can open your account during the process.

      If you want to benefit from better conditions for the Coche Online Loan, you will also have to direct deposit your paycheck or pension in BBVA for the life of the loan.

      Terms and conditions valid until 12/15/2023, subject to prior approval by Banco Bilbao Vizcaya Argentaria, S‌.‌A.

      If you repay all or part of the loan before the period specified in the application, you will have to pay a cancellation fee of 0.50% on the amount repaid early if within 12 months of the end of the loan period, and 1% on that amount if more than 12 months are left on the loan.

      The installments of the loans and quick loans will be charged to the bank of your choice on the last day of each month.

      We recommend using the financing responsibly so you can make the payments and avoid potential surcharges by way of fees or interest.

      If this happens, late payment interest will be applied. Also, failing to make payments can lead to serious financial consequences (e.g., forced sale of property) and problems with obtaining future loans.

      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.

      You have the right to withdraw from the loan contract within 14 calendar days of its signing.

      NIR (Nominal Interest Rate) is what is paid to a bank in exchange lending us money. NIR is normally lower than APR and is not used to compare the price between different loans, as it only includes the interest rate and not all the expenses of the operation.

      APR (Annual Percentage Rate) indicates the cost of a financial product such as a loan, including interest and the various associated expenses and fees. This figure lets you compare different loans since the lower the APR, the cheaper the loan.

      BBVA loans do not require a guarantee to be approved.

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        If you're looking for a car or if you already have one, BBVA Valora can help you determine its estimated price.
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      Be a BBVA customer.

      • At BBVA we want to help you with your day-to-day errands.
      • We are working to make your life a little easier with our digital solutions.
      • Our approach is based on transparency, clarity and responsibility.
      Offer valid during current month
      1. Loans
      2. BBVA Coche Online Loan
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