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      BBVA Coche Online Loan

      If you want to change cars, BBVA makes it easy

      5.95% NIR

      6.94% APR

      with your salary or pension deposited directly at BBVA.

      • Up to €75,000.
      • Up to 8 years to repay.
      • Apply in less than 3 minutes.
      Apply for this loan

      With the best interest rate

      • To be eligible for this interest rate on this car 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 it?

      • Request your BBVA Coche Online Loan. It's that simple:

        1. Fill out the application form. 
        2. Send us the documentation we request. 
        3. If everything checks out, we'll deposit the money in your account. 

        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.

        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

      This example will make it clear

      • Here is an example of the cost of a €10,000 car loan for a vehicle under three years old and for one over three years old.

        Remember that to enjoy the discount on the price of your Coche Online Loan included in this example, you need to have one of these options deposited directly into your account:

        • Paycheck of at least €600.
        • A pension that is equal to or greater than €300.
      Vehicle less than 3 years old Vehicle more than 3 years old
      Vehicle less than 3 years old

      NIR

      5.95%

      Vehicle more than 3 years old

      NIR

      7.20%

      Vehicle less than 3 years old

      APR

      6.94%

      Vehicle more than 3 years old

      APR

      8.28%

      Vehicle less than 3 years old
      Postal costs have been included in the calculation of APR: €0.70 monthly.
      See car loan example

      You have 14 days to change your mind

      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.

      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 02/28/2021 subject to 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.

      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.

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

      The payments will be made from your BBVA account 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.

      The Coche Online Loan offers:

      • 2.30% Commitment fee on the amount of the loan, with no minimum amount.
      • Cancellation fee if you decide to cancel the loan in full or in part before the loan term: 0.50% on the amount to be cancelled if there are less than 12 months to finish paying it, and 1% on that same amount if there are more than 12 months left.

      For more information, you can check the following generic document with pre-contractual content and an example:

      Download document as a PDF

      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 information lets you compare different loans because the lower the APR, the cheaper the loan.

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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.

      Discover BBVA Bconomy

      A tool that helps you maintain your financial health

      Manage your expenses, create a financial cushion for your peace of mind, and set a savings goal.
      More information
      Coche Online Loan
      Apply for this loan
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      2. BBVA Coche Online Loan

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