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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      Family in the kitchen reading about an instant loan

      BBVA Personal Online Loan for Customers

      It's time to make your projects a reality

      From 7.20% NIR/8.29% APR with a paycheck or pension direct deposited with BBVA.

       

      Up to 8.20% NIR/9.38% APR with a paycheck or pension not direct deposited with BBVA.

       

      • Up to €75,000 and a term of 8 years.
      • Apply in less than 3 minutes.
      • With minimum documentation.
      • Opening fee: 2.30%.
      Apply for this loan

      Do you need less than €3,000?

      See what advantages the Aqua Credit Card has to offer.
      I would like more information

      This example will make it clearer

      • EXAMPLE OF A LOAN WITH PAYCHECK OR PENSION DIRECT DEPOSITED
        • Loan amount: €10,000
        • Term: 8 years
        • Interest rate: 7.20% NIR 8.29% APR
        • Constant monthly payment: €137.33
        • Commitment fee of 2.30%: €230
        • Total amount: €13,486.27

        The APR was calculated taking into account postage expenses: €0.75 monthly.

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

        Remember that to enjoy the 1% discount on your Personal Online Loan, which is 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.

         

        EXAMPLE OF A LOAN WITH NO PAYCHECK OR PENSION DIRECT DEPOSITED
        • Loan amount: €10,000
        • Term: 8 years
        • Interest rate: 8.20% NIR 9.38% APR
        • Constant monthly payment: €142.39
        • Commitment fee of 2.30%: €230
        • Total amount: €13,970.83

        The APR was calculated taking into account postage expenses: €0.75 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 Personal 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 it?

      • Requesting a BBVA Personal Online Loan is this 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 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 loan of €10,000 with an NIR of 7.20% over 8 years and decide to cancel it before the 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 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.

      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.

      How much money can I request?

      • 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.

      What are the fees?

      • This loan has a commitment fee of 2.30% of the borrowed amount. 

        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 group?

      Enter the name of your company or mutual society in the calculator and see what exclusive conditions are available on the interest rate of your personal loan or credit for belonging to this group. 
      Illustration of several professional groups: police, doctor, civil servant.

      Apply for the BBVA Personal Online Loan

      Apply for this loan

      Would you like more information?

      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.

      If you decide to benefit from the 1% reduction in price, you will also need to direct deposit your paycheck or pension into BBVA for the duration of the loan.

      Conditions valid until 05/31/2022. Loan subject to approval by Banco Bilbao Vizcaya Argentaria, S.A.

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

      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.

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

      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 document as a PDF

      You might also be interested in

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        Coche Online Loan

        If you want to change cars, BBVA makes it easy. Apply for up to €75,000 in less than 3 minutes, and a term of up to 8 years.
        More information Start calculation
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        Paycheck Advance Loan

        Deal with unexpected expenses by getting up to a €3000 advance on your paycheck, and pay it back in 6 months.
        More information Apply
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        Get up to €75,000 to finance your electric or hybrid car, with as much as 8 years to pay it back.
        Sustainable product
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      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.
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