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    BBVA Personal Online Loan

    It's time to make your projects a reality

    7.20% NIR

    8.27% 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.

    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.

      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.

      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/8.27% APR
      • Monthly payment: €137.33
      • Commitment fee of 2.30%: €230
      • Total amount: €13,476.67

      The APR was calculated taking into account postage expenses: €0.65 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 10.53% for a total amount of €14,436.67.

      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 12/31/2020, subject to approval by BANCO BILBAO VIZCAYA ARGENTARIA, S.A.

    Would you like more information?

    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.
    • We are leaders in digital innovation working to make your life that bit easier.
    • Our approach is based on transparency, clarity and responsibility.
    Personal Online Loan Apply