This loan has no commitment fee on 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.

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

Terms and conditions valid until 12/15/2023. Loan subject to approval by Banco Bilbao Vizcaya Argentaria, S.A.

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

Q: How much money can I request?

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.

From 7.80% NIR / 8.25% APR with a paycheck or pension direct deposited with BBVA.

To 8.80% NIR / 9.33% APR with a paycheck or pension not direct deposited with BBVA.

NO commitment fee.
Up to €75,000 and a term of 8 years.
Apply in less than 3 minutes.
With minimum documentation.

Do you need less than €3,000?

See what advantages the Aqua Credit Card has to offer.

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: 7.80% NIR, 8.25% APR

Constant monthly payment: €140.35

Commitment fee 0 %: €0

Total amount: €13,548.84

The APR was calculated taking into account postage expenses: €0.78 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: 8.80% NIR, 9.33% APR

Constant monthly payment: €145.47

Commitment fee 0 %: €0

Total amount: €14,039.50

The APR was calculated taking into account postage expenses: €0.78 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:

Fill out the application form.

Send us the documentation we request.

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 €10,000 loan with an NIR of 7.80% over 8 years and decide to cancel it before the 14 calendar days, you will have to pay €2.41 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 no commitment fee.

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.