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      BBVA Personal Online Loan

      It's time to make your projects a reality

      7.20% NIR

      8.28% APR

      with direct deposit of your paycheck

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

      Do you need less than €3,000?

      See what advantages a BBVA Credit Card has to offer.
      I would like more information

      With the best interest rate

      • To enjoy this interest rate, 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 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

      This example will make it clear

      • Example of a loan with direct deposit of your paycheck or pension
        • Loan amount: €10,000
        • Term: 8 years
        • Interest rate: 7.20% NIR/8.28% APR
        • Constant monthly payment: €137.33
        • Commitment fee of 2.30%: €230
        • Total amount: €13,481.47

        The APR was calculated taking into account postage expenses: €0.70 monthly.

        If you need to open a checking account exclusively for managing this loan, and if the conditions for having no maintenance fees on said account are not met, the fee will be €120 per year. Therefore, the APR of the loan would be 10.54% for a total amount of €14,441.47.

        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.

        Offer valid until 02/28/2021 subject to approval by BANCO BILBAO VIZCAYA ARGENTARIA, S.A.

      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.

      Apply for the BBVA Personal Online Loan

      Apply for this loan

      Would you like more information?

      Terms and conditions valid until 02/28/2021. Loan subject to approval by Banco Bilbao Vizcaya Argentaria, S.A.

      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.

      Its commitment fee is only 2.30%.

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

      If you decide to cancel part or all of your loan before the due date indicated in the application, you will have to pay a 0.50% cancellation fee if there are less than 12 months left to repay it, and 1% if there are more than 12 months left.

      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.

      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

      • 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 Apply
      • 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
      • Study Loan (degree longer than 2 years)

        Pay for your preparatory, undergraduate or graduate studies. Up to €75,000 and a term of 8 years. Fixed 3.95% NIR (4.10% APR).
        More information Apply

      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
      Personal Online Loan
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