This loan has a commitment fee of $${openingFeePercentage} % 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 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. 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.

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.

What if I need more information before applying for the loan?

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: <a title="Descargar documento de información precontractual de Cobra Cuando Quieras. Open in a new browser... global.link.target.blank.text" aria-label="Descargar documento de información precontractual de Cobra Cuando Quieras. Open in a new browser... global.link.target.blank.text" href="/content/dam/public-web/bbvaes/documents/productos/prestamos/ine-credito-al-consumo-clientes.pdf" target="_blank">Download document as a PDF

Personal Online Loan

You can apply for anything from €3,000 to €75,000 to do it the way you envision it.

Interest rate: $${tinNoBon} % nir / APR $${taeNoBon} % or, if you receive your paycheck or pension at BBVA, $${tinBon} % nir / APR $${taeBon} %.
Commitment fee: $${openingFeePercentage} %

Apply for it in 2 minutes

Do you need less than €3,000?

With the Aqua Más Credit Card, you can apply for up to €3,000 for whatever you need.

You can apply in 2 minutes

And the money will reach your account in 3 steps:

1. Calculate your monthly payment and fill in your personal data. At the end, we will tell you if, in principle, your loan is viable.
2. Send the documentation to confirm your situation. This way we can check and confirm if it is viable.
3. Sign the loan. and, if everything is correct, you will receive the money in your account.

Calculate payment

If you have questions before, during or after, you can contact us at any time.

Whenever you need expert help, we're close at hand to talk to you face-to-face from the app. As if you were at your branch, wherever you are.

Now that you know the important stuff, here are the details

What is this loan?

It is a customer loan.If you are not a customer, we will ask you to open a fee-free online account.

Amount

You can ask for €3,000 up to €75,000 for whatever you need and we will pay them into your BBVA account.
Refund

Depending on the amount you request, you can repay it in a minimum of 2 years and a maximum of 8 years.

How much does it cost?

Take your time to think it over. We will maintain these conditions until 01/31/2026.

Commitment fee

This loan has a commitment fee: $${openingFeePercentage} % of the borrowed amount.
Interest rate

At the end of each month, your BBVA account will be charged the repayment fee with interest, which will be a maximum of $${tinNoBon} % nir, $${taeNoBon} % APR.

And you will improve your interest rate to $${tinBon} % nir, $${taeBon} % APR, if you direct deposit your income at BBVA. If you have a paycheck, the minimum monthly net amount must be €600; and if you have a pension, €300.

Here is an example

If you asl for €10,000 for a term of 8 years.

Without direct payment of salary or pension

Interest rate: $${tinNoBon} % NIR, $${taeNoBon} % APR
Fixed monthly payment: $${monthValueNoBon} €
Commitment fee $${openingFeePercentage} %: $${openingFeeAmount} €
Total amount: $${totalValueNoBon} €
With a salary or pension paid into your account

Interest rate: $${tinBon} % NIR, $${taeBon} % APR
Fixed monthly payment: $${monthValueBon} €
Commitment fee $${openingFeePercentage} %: $${openingFeeAmount} €
Total amount: $${totalValueBon} €

Remember that, in order to get 1% off, you would need to deposit a paycheck equal to or greater than €600, or a pension equal to or greater than €300.

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.

Do you want to cancel early?

More than 1 year left

If you have more than one year left on your loan, you can cancel it partially or totally with a 1% fee on the amount you reduce the loan by.
The last year

If you have less than one year left on your loan, you can cancel it partially or totally with a 0.5% fee on the amount you reduce the loan by.

Are you in a professional group?

Just for being part of a BBVA group, we offer you special conditions on your loan.You will be able to see them if you mark your company or professional group when calculating your monthly payment.

Calculate payment

Now you know all about the Personal Online Loan

Would you like to know what your monthly payment would be? Do so without obligation, we will not save any data you enter in the calculator.

Calculate payment

Would you like more information?

Terms and conditions valid until 01/31/2026. Loan subject to approval by Banco Bilbao Vizcaya Argentaria, S.A.

Want to try the BBVA app without being a customer?

Personal Online Loan

Let's get your project off the ground

Do you need less than €3,000?

You can apply in 2 minutes

If you have questions before, during or after, you can contact us at any time.

Now that you know the important stuff, here are the details

What is this loan?

How much does it cost?

Here is an example

You have 14 days to change your mind

Do you want to cancel early?

Are you in a professional group?

Now you know all about the Personal Online Loan

Would you like to know what your monthly payment would be? Do so without obligation, we will not save any data you enter in the calculator.

Would you like more information?

You might also be interested in

Coche Online Loan

Paycheck Advance Loan

BBVA Environmentally Friendly Car Loan

Want to try the BBVA app without being a customer?

Personal Online Loan

Let's get your project off the ground

Do you need less than €3,000?

You can apply in 2 minutes

If you have questions before, during or after, you can contact us at any time.

Now that you know the important stuff, here are the details

What is this loan?

How much does it cost?

Here is an example

You have 14 days to change your mind

Do you want to cancel early?

Are you in a professional group?

Now you know all about the Personal Online Loan

Would you like to know what your monthly payment would be? Do so without obligation, we will not save any data you enter in the calculator.

Would you like more information?

When is the deadline for applying for the Online Personal Loan?

What are the fees?

Do I have to be a BBVA client?

How do I make the payments?

What if I miss a payment?

Can I cancel the loan?

What if I need more information before applying for the loan?

You might also be interested in

Coche Online Loan

Paycheck Advance Loan

BBVA Environmentally Friendly Car Loan