How long are these conditions valid?

Price valid for new loans through 07/24/2026.

How can I apply for a Personal Loan for Collectives?

Financing is subject to approval by Banco Bilbao Vizcaya Argentaria, S.A. To be eligible for the special conditions made available to your professional collective, you will have to prove your membership.

Do I have to be a BBVA client?

Yes, to obtain this 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. In addition, to benefit from the interest rate corresponding to your group, you will have to prove that you belong to it. If you decide you want the 1% reduction in the interest rate, you will need to direct deposit your paycheck into BBVA for the duration of the loan.

This loan has no commitment fee.

How much money can I request?

From a minimum of €3,000 up to a maximum of €75,000.

Can it be repaid before the end of the loan term?

Yes, you can repay the loan early, by paying a 0.50% fee if at the time of repayment, the outstanding payment term does not exceed 12 months. and 1% if there are more than 12 months remaining.

How long do I have to pay it off?

You can choose a term from a minimum of 12 months up to a maximum of 96 months.

How do I make the payments?

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

What if I miss a payment?

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.

Can I cancel the loan?

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

Where can I find additional information?

You can contact our advisers to resolve any doubts you may have. If you need more information, you can consult this generic document with pre-contractual content and an example: Download PDF document .

How can I apply for a Personal Loan for Collectives?

Financing is subject to approval by Banco Bilbao Vizcaya Argentaria, S.A. To be eligible for the special conditions made available to your professional collective, you will have to prove your membership.

Do I have to be a BBVA client?

Yes, to obtain this 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. In addition, to benefit from the interest rate corresponding to your group, you will have to prove that you belong to it. If you decide you want the 1% reduction in the interest rate, you will need to direct deposit your paycheck into BBVA for the duration of the loan.

How much money can I request?

From a minimum of €3,000 up to a maximum of €75,000.

Can it be repaid before the end of the loan term?

Yes, you can repay the loan early, by paying a 0.50% fee if at the time of repayment, the outstanding payment term does not exceed 12 months. and 1% if there are more than 12 months remaining.

How long do I have to pay it off?

You can choose a term from a minimum of 12 months up to a maximum of 96 months.

How do I make the payments?

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

What if I miss a payment?

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.

Can I cancel the loan?

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

Where can I find additional information?

You can contact our advisers to resolve any doubts you may have. If you need more information, you can consult this generic document with pre-contractual content and an example: Download PDF document .

BBVA Personal Group Loan

Enjoy a loan with better conditions

A loan with special conditions for belonging to a BBVA professional collective.
You will also get 1% off the interest rate on your loan if you have your paycheck paid into BBVA.
NO commitment fee.

Apply easily

Minimum documentation

An ID document and your payroll document to demonstrate your solvency, is usually sufficient.
Quick application

In just 3 minutes, you will have given all the details we need.
Change your mind with no fees

You have 14 days to cancel the contract without fees. You will only pay the interest for those days.

Apply for the loan you need

Finance from €3,000 to €75,000.
Up to 8 years to pay it back.
And enjoy special conditions for being part of a BBVA collective.

Are you interested in this loan?

Getting your financing is that simple:

Complete the application form with your personal and financial details. We will instantly tell you whether your loan is, in principle, viable.
Send us the documentation we request.
If everything is in order and your application is approved, sign your loan contract at BBVA.es
And 24 hours after signing, you receive the money in your account.

This example will make it clear

Example of what your loan would be like

Imagine you want to apply for a €10,000 loan and you would like to repay the money in 5 years (60 months). This is what your loan would be like:

No paycheck direct deposited 8.00% NIR (8.48% APR)	Paycheck direct deposited 7.00% NIR (7.41% APR)
No paycheck direct deposited 8.00% NIR (8.48% APR) Loan amount €10,000	Paycheck direct deposited 7.00% NIR (7.41% APR) Loan amount €10,000
No paycheck direct deposited 8.00% NIR (8.48% APR) Term 60 monthly payments	Paycheck direct deposited 7.00% NIR (7.41% APR) Term 60 monthly payments
No paycheck direct deposited 8.00% NIR (8.48% APR) Monthly payment €202.79	Paycheck direct deposited 7.00% NIR (7.41% APR) Monthly payment €198.01
No paycheck direct deposited 8.00% NIR (8.48% APR) Commitment fee 0%	Paycheck direct deposited 7.00% NIR (7.41% APR) Commitment fee 0%
No paycheck direct deposited 8.00% NIR (8.48% APR) Total amount owed €12,212.40	Paycheck direct deposited 7.00% NIR (7.41% APR) Total amount owed €11,927.40

Requirements

The only requirement is to be a BBVA customer to apply for the BBVA Collectives Personal Loan.

To take advantage of the 1% discount on your loan interest by paying in your paycheck, your paycheck should be €600 or more.

Other fees

This loan has no commitment fee on the borrowed amount.

To cancel all or part of the loan before the end of the term, you will have to pay a cancellation fee depending on the repayment period left:

0.5% of the amount outstanding if there are less than 12 months remaining.

1% of the amount outstanding if there are more than 12 months remaining.

Bear in mind that if you open a new account only for managing this loan, you will need to meet the account conditions to make your fee €0. If you don't meet them, your fee may be €120 a year.

Is your project sustainable?

We'll help you reduce your carbon footprint with this loan, and give you an additional discount on the interest rate, for the following improvements:
Mobility: purchase of electric vehicles, hybrids, installation of charging points for electric vehicles, bicycles (with and without motors) and electric scooters.

Solar panels: Installation of solar panels for self-supply.

Lighting: the lighting system must be in one of the two highest energy efficiency categories.

Check the energy label ratings eligible for a discount at the bottom of this page:

Heating/air-conditioning/ventilation/hot water: all condensation boilers are included, as are HVAC systems, provided that the latter are in one of the two highest energy efficiency categories.

Control and automation: lighting, HVAC, installation of motion detectors for lighting, and automatically turning installations on and off.

Insulation: improvements to the thermal insulation of the building envelope (façades, roofs, etc.), adding thermal insulation to the existing insulation, or installing windows with two or three panes.

Household appliances: topurchase of large volume appliances (excluding microwave and small appliances); must be in one of the two highest energy efficiency categories.

Calculate and apply for your loan with special conditions

You just need 3 minutes.

Price valid for new loans through 07/31/2026.

BBVA Personal Group Loan

BBVA Personal Group Loan

Enjoy a loan with better conditions

Apply easily

Minimum documentation

Quick application

Change your mind with no fees

Apply for the loan you need

Are you interested in this loan?

This example will make it clear

Requirements

Other fees

Is your project sustainable?

Calculate and apply for your loan with special conditions

You just need 3 minutes.

Would you like more information?

How long are these conditions valid?

How can I apply for a Personal Loan for Collectives?

Do I have to be a BBVA client?

What are the fees?

How much money can I request?

Can it be repaid before the end of the loan term?

How long do I have to pay it off?

How do I make the payments?

What if I miss a payment?

Can I cancel the loan?

Where can I find additional information?